vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off with Missing 1099-C for Alleged Cancelled Debt Dear XXXX  I am writing to dispute the reporting of an inaccurate charge-off account listed on my credit report. The account is from : Creditor : Onemain Account Number : XXXX Reported Balance : {$6200.00} Date of Charge-Off : XX/XX/year> According to the information reported, this debt appears to have been canceled or charged off. Since the amount exceeds {$600.00}, the IRS requires that a * * Form 1099-C ( Cancellation of Debt ) * * be issued to the borrower for tax reporting purposes. However, I have * * never received a 1099-C * * from this creditor for this account.

This raises questions about the accuracy and legality of how this charge-off is being reported. If the debt was not legally canceled, it should not be reflected as such. If it was canceled, the absence of a 1099-C makes the reporting incomplete or misleading under the Fair Credit Reporting Act ( FCRA ), which requires credit information to be * * accurate, complete, and verifiable * *. 
I request that this account be investigated and that the credit bureau : - Verify whether this debt was officially canceled or not, - Confirm if a 1099-C was filed with the IRS, - Correct or remove this account from my report if it can not be properly verified. 

Please find attached supporting documentation, including my ID and a copy of the credit report showing the disputed entry. I expect a full investigation and response within 30 days, per FCRA guidelines. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received and alert from XXXX XXXX and XXXX XXXX  that a hard inquiry had been made from Capital One to XXXX. I have not done any banking with Capital One and believe this to be fraud. 
Please let me know my next steps, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I purchased my home on XX/XX/XXXX with a conventional loan on a single home which is my primary residence so under the homeowner protection act if you have paid your mortgage on time ( 40 months ) and have no liens which I dont and the XXXX is below 80 % I am entitled to request removal of the pmi payments from my loan, I contacted my mortgage company Newrez ( XXXX  XXXX  ) about removing my pmi and I was told I would have to make the request in writing along with a check of {$190.00} to cover the appraisal fee, Newrez schedule an appraisal on XX/XX/XXXX the property was appraised at {$410000.00} and my principal balance was {$320000.00} placing my loan to value ratio ( XXXX XXXX at 79.33 % they denied my request for the pmi payment removal and on XX/XX/XXXX I submitted a dispute letter and they sent me a correspondence email stating that they can not cancel my pmi unless I send them a check of {$28000.00}, so I reached out to them and they keep denying my request, I believe that under the homeowner protection act that I do meet the criteria of pmi removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zions Debt Holdings
State: CA

Complaint narrative:
When asking for a validation of the debt I owed, I was sent not only my own contract related to the debt, but two others as well. Although, I do not know these two other people personally, I now have their names, addresses, emails, phone numbers, and the amount that they owe on their contracts as well as other information associated with the contracts. I was told that this was not a violation of the law, however, looking into the FDCPA, section 805 3b states, " Communication with third parties : Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' which leads me to believe they have broken the law by sharing this information with me. I would like to know how to take action on this violation, I fear if this information was shared with me then my information may have been shared with several others as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are numerous inquiries on my credit report from different dates that should not be listed as hard inquiries. These were not authorized by me and appear to be an error. Additionally, the report shows phone numbers, addresses, jobs, and names that do not belong to me. Please review and remove any inaccurate or unauthorized information from my report. 

These inquiries were not initiated or approved by me and should be removed under the Fair Credit Reporting Act ( FCRA ), as they were not authorized. 

Personal Information Update Request Please remove all incorrect or outdated personal information associated with my credit report. My correct and only identifying information is as follows : - Full Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX - Phone Number : XXXX Please remove all other names, addresses, and phone numbers that are not listed above. 

I have attached a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. Please confirm in writing once these corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are numerous inquiries on my credit report from different dates that should not be listed as hard inquiries. These were not authorized by me and appear to be an error. Additionally, the report shows phone numbers, addresses, jobs, and names that do not belong to me. Please review and remove any inaccurate or unauthorized information from my report. 

These inquiries were not initiated or approved by me and should be removed under the Fair Credit Reporting Act ( FCRA ), as they were not authorized. 

Personal Information Update Request Please remove all incorrect or outdated personal information associated with my credit report. My correct and only identifying information is as follows : - Full Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Phone Number : XXXX Please remove all other names, addresses, and phone numbers that are not listed above. 

I have attached a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. Please confirm in writing once these corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are numerous inquiries on my credit report from different dates that should not be listed as hard inquiries. These were not authorized by me and appear to be an error. Additionally, the report shows phone numbers, addresses, jobs, and names that do not belong to me. Please review and remove any inaccurate or unauthorized information from my report. 

These inquiries were not initiated or approved by me and should be removed under the Fair Credit Reporting Act ( FCRA ), as they were not authorized. 

Personal Information Update Request Please remove all incorrect or outdated personal information associated with my credit report. My correct and only identifying information is as follows : - Full Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  - Phone Number : XXXX Please remove all other names, addresses, and phone numbers that are not listed above. 

I have attached a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. Please confirm in writing once these corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Subject : Complaint Against Coinbase Global , Inc. ( COIN ) for Unfair and Discriminatory Application of XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX. I am filing this formal complaint regarding what I believe are unfair and discriminatory business practices by Coinbase Global , Inc. 

I am a Coinbase customer who mistakenly sent a total of {$15000.00} worth of USD Coin ( XXXX ) to my Coinbase wallet using the XXXX XXXX XXXX XXXX XXXX XXXX network approximately XXXX years ago. I fully acknowledge that XXXX is not XXXX of Coinbases officially supported networks. 

Transaction details : Transaction XXXX : Sent on XX/XX/year> at XXXX XXXX XXXX for {$1100.00} XXXX, currently held at XXXX Transaction XXXX : Sent on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX for {$14000.00} XXXX, currently held XXXX XXXX I am not disputing that XXXX is unsupported, nor am I requesting a personal exception. I am reporting that Coinbase has demonstrated a clear pattern of selective and inconsistent application of crypto recovery services to customers who mistakenly send assets via unsupported networks. 

Coinbase publicly acknowledges and has previously recovered misdirected funds for other customers when technically feasible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my recoverable funds being under Coinbase custody, they denied my request on the basis of an arbitrary internal decision, citing security policies, without providing a consistent or published standard for why some customers receive assistance and others do not. 

I previously filed a CFPB complaint ( Case # available on request ) and was denied. However, my complaint was framed as a recovery request. This second filing is to report the consumer protection violation of discriminatory business practice, not a transactional dispute. 

I respectfully ask CFPB to investigate whether Coinbases practice of selectively offering recovery services based on internal discretion ( rather than consistent, published criteria ) violates consumer protection standards. 

I am prepared to provide : All correspondence with Coinbase, including their response to my first CFPB complaint Screenshots and blockchain records of both transactions and current wallet addresses Public examples of other customers receiving recovery assistance under similar circumstances Thank you for your attention and consideration of this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Coinbase support ticket number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
had a credit card account with XXXX XXXX  that was charged off in early XXXX. The balance has been {$0.00} since then, but the account continues to report as charged-off with late payments, even though it was closed and settled. I previously disputed this account, but no corrections were made. The account is closed, settled, and should not still be harming my credit years later. I am requesting deletion of this account from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC
State: KY

Complaint narrative:
PLS operating on XXXX XXXX here in XXXX is a scam! its ridiculous...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I took an XXXX loan which was being serviced by XXXX XXXX. On XX/XX/year>, I refinanced my loan with SoFi, however, the loan payoff issued by Sofi to launch servicing was {$740.00}. 

XXXX XXXX cleared my loan and sent the balance payment of {$740.00} to SoFi on XX/XX/year>, which was cashed by SoFi on XX/XX/year>, and was supposed to have been applied to my loan balance by SoFi but still has not been done for over 3 months now. 

I've reached out to both SoFi and launch servicing and no one wants to take responsibility for my missing money. XXXX XXXXXXXX says they can't re-issue the check because it was cashed by SoFi, hence, they do not have my money. SoFi says they can't find the check and so can not apply it to my account. 

The only information launch servicing provided on the check was the check number of XXXX. SoFi keeps asking for a picture of the check, but when I reached out to launch servicing, they said they only cut and send out the checks, so they do not have a picture and the only detail is the check number. I really need my money and will appreciate any assistance I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: IN

Complaint narrative:
This company sent a packet for an alleged debt in response to my original complaint ( XXXX ). There was no evidence/proof that I know who this company is or that I entered into a contractual agreement with them. I also did not receive a wet ink signature contract that binds myself and STATES RECOVERY SYSTEMS, INC into an agreement. Since then, they have continued to excessively call and text my phone and leave repeated voicemails. I am on the DNC list and demand they cease and desist all efforts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation