vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Unfortunately, my complaint does not fall into any option provided. My issue is I had a loan through One Main Financial back in XXXX. This was a personal loan. My credit is not top notch so had to use my vehicle as collateral which I understand completely. This is the issue. I had a XXXX plus loan using a XXXX XXXX XXXX with close to XXXX miles as collateral. If I had defaulted on the loan it would have been nearly impossible for One Main to recoup their money with that car. That was not necessary though as that loan is paid in full. Fast forward to the beginning of this year, applied for the same personal loan, credit the same so a vehicle is needed for collateral to secure the loan. It is now based on a XXXX XXXX XXXX with XXXX miles but can only receive XXXX dollars this time around. Please clarify how I can get a loan of XXXX with a car that surely would come up short if I failed to pay. Yet a vehicle that can definitely return your money can not go over XXXX? Again my credit the same. Have no monthly rental or car payments which has been the same through both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB

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 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I apply for a personal loan online with TRUIST BANK XXXX LIGHTSTREAM XXXX on XX/XX/year>2025. Which I was denied and was send an adverse action letter. I know as the consumer i have the capacity to enter into a binding contract, so being denied an extension of my own credit. And I feel that my rights as a consumer was violated.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo customer service, including its escations team are so messed up that customers don't get any valid service from them. I am sick and tired of this XXXX XXXX. Every single time i call Wells Fargo customer service, I have to write through CFPB. I changed my phone number and the number was validated via text code, and still it didn't let me finish a XXXX  transfer today. When I called for support today, the operators can not do nothing. I am sick and tired of Wells Fargo 's XXXX unuseful phone operators, some of which can't even speak or understand XXXX and have no intention to do the needful to help customers.

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 2025-06-04 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXXDEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX Account # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

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 2025-06-04 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXXDEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX Account # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-04 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally request your urgent attention regarding an issue I have been unable to resolve through Resurgent Capital Services customer service channels. 

XXXX XXXX is prepared to release an insurance check in the amount of {$3700.00} for the total loss of my vehicle. However, they require a Guarantee of Title Release to be signed by Resurgent before they can disburse the funds. Despite providing all necessary documentationincluding the official XXXX XXXX settlement letterResurgent representatives continue to refuse to sign the release. 

Please find attached the XXXX XXXX document confirming the guaranteed payment, which is contingent solely on Resurgents execution of the title release. This delay has now extended over three months and is causing me severe financial hardship, unnecessary XXXX and emotional XXXX  The refusal to sign appears unjustified, especially considering the guaranteed nature of the funds and my active repayment arrangement through XXXX XXXX XXXX for the remaining balance. 

I respectfully ask your office to review this matter and intervene as necessary to facilitate the release. This situation is time-sensitive, and your prompt support would be greatly appreciated. 

Please confirm receipt of this message and advise who will be handling the follow-up. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I activated my Chase Freedom Unlimited ( " CFU '' ) credit card 's offer for 5 % cashback on purchases made through XXXX from XX/XX/year> to XX/XX/year> up to {$1500.00}. I made several XXXX orders using my CFU card ending XXXX and received the 5 % cashback rewards without issue. 
On XX/XX/year>, I made another purchase on XXXX by XXXX in the amount of {$59.00}. The seller confirmed the transaction and the tracking became available on XX/XX/year>. 
However, when I checked my Chase app today, I was surprised to notice Chase did not honor the 5 % cashback on this transaction. I contacted the customer service representative via secure messages right away and the agents claimed that the transaction must be posted before the reward period for me to get the cashback rewards. They claimed the charge happened on XX/XX/year> and the post date for the transaction was XX/XX/year>. 
I sent the representative my Chase App screenshot showing the transaction was completed on XX/XX/year> and informed them there was no such " post date rather than transaction date '' requirement when I activated the offer. However, the agents still declined my request to honor the cashback rewards. 
Therefore, I submitted this complaint to get back what I was entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal statement to report that I have been a victim of identity theft. As a result, the following fraudulent accounts have appeared on my credit report without my knowledge or authorization. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request the immediate deletion of these unauthorized accounts. 

Details of the Disputed Accounts : XXXX XXXX  Account Number : XXXX Status : Charged off, {$1100.00} written off, {$990.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Status : Charged off, {$710.00} written off, {$610.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Status : Charged off, {$5700.00} written off, {$5300.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Secured Loan ) Account Number : XXXX Status : Open, {$1200.00} past due as of XX/XX/XXXX Balance : {$19000.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Status : Collection Account, {$3500.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX Formal Request Under the FCRA : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that these fraudulent accounts be

immediately blocked and deleted from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for the above accounts. If the furnishers can not produce legitimate evidence ( e.g., a signed agreement or application ) proving I opened these accounts, they must be removed permanently.

Per FCRA 616 ( 15 U.S.C. 1681n ), I also remind you that false verification of any fraudulent account can entitle me to statutory damages of {$1000.00} per violation. 

Supporting Documentation Included : Identity Theft Report ( Police Report or FTC Identity Theft Affidavit ) Copy of Government-Issued ID Proof of Address ( Utility Bill/Bank Statement ) Requested Actions : Immediate blocking and permanent deletion of the listed fraudulent accounts. 

Debt verification for each account with valid proof of my authorization. 

Written confirmation of deletions from all credit reporting agencies. 

Documentation that the furnishers have been instructed to cease all reporting. 

A full updated credit report reflecting these removals.

I expect a written response confirming your actions under FCRA within 30 days. Failure to comply may result in legal action and formal complaints filed with the CFPB and FTC.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
This the complaint I sent them. 


Upon depositing the aforementioned check, I was informed that it was deemed fraudulent, leading to the immediate suspension of my account. This action was taken despite the check being a valid payment from a state agency, and without any prior notification or opportunity for me to provide clarification or additional information.

I find this course of action deeply troubling for several reasons : 1. Lack of Verification : If the bank had genuinely verified the check with the issuing state agency, any issues would have been communicated, and appropriate steps taken. The absence of such communication suggests a lack of due diligence.

2. Absence of Legal Action : If there were legitimate concerns about fraud, it would be reasonable to expect involvement from law enforcement. To date, I have not been contacted by any legal authorities, further indicating that the banks actions were premature and unfounded.

3. Discriminatory Practices : The immediate assumption of fraud and subsequent punitive measures, without proper investigation, align with a broader pattern of discriminatory practices faced by XXXX customers in the banking sector. This phenomenon, often referred to as Banking While XXXX, highlights systemic biases that result in unjust treatment. 

In light of the above, I respectfully request the following : Immediate Reinstatement : Reactivate my account and ensure full access to my funds.

Formal Apology : A written acknowledgment of the oversight and the undue XXXX caused. 
Review of Procedures : An internal review of the protocols that led to this situation to prevent recurrence. 
Documentation : Provide all records and communications related to the decision to suspend my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX

Company response to consumer: Closed with explanation