vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NC

Complaint narrative:
I receive a new card in the mail I was told I had to call in to activate the new card I didnt have the say phone number on file to verify it was me I was told to send a email with documents wait XXXX hours I sent them in for XXXX weeks they kept saying they didnt receive the email send it again I was getting a verify ID received email every time I sent a email and still was told they didnt receive it and never got a supervisor every time I asked problem never resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I made payments to my sallie mea account and set up auto payments not only did the auto payment skip the month. my payment was reversed 2-3 days later for no reason and no explanation. The held the funds then sent them back I have a receipt of them saying the got the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I wired XXXX dollars to Coinbase to invest in cryptocurrency, on XX/XX/XXXX {$140000.00} was wired to Coinbase, on XX/XX/XXXX {$260000.00} was wired to Coinbase, on XX/XX/XXXX {$440000.00} was wired to Coinbase, A total of XXXX dollars was wired over those dates with the assistance of a person who befriended my online. On XX/XX/XXXX I received an email from Coinbase that contained the following : " After reviewing your account against our terms of service, I regret to inform you that you're no longer eligible to utilize the Coinbase platform for purchasing cryptocurrency, using our deposit services, or linking payment methods. '' I followed up with a call to Customer Service and asked what I had done wrong. The only answer I got was they were sorry, but nothing more was shared. With the help of the same person I transferred the funds to another account supposedly with XXXX XXXX that in the end turned out to be a fake account. In retrospect the person who was helping me may have led me to do something that violated Coinbase 's terms of service, but since they never shared what terms of service I violated, I don't know. I lost all the money I had invested as the funds were shown in the new account, but I could never access them to withdraw or transfer. The person who helped me has since disappeared. I have reported to law enforcement. I question why Coinbase did not share exactly what terms I violated and if they had it would probably have raised my suspicions about the person who was guiding me to invest and possibly avoided the theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WLCC
State: FL

Complaint narrative:
RE : Intent to Sue for FDCPA Violations To Whom It May Concern, I am writing in response to your recent communications in which your agency threatened wage garnishment in connection with an alleged debt. * * No court judgment exists against me * *, and therefore any claim that you may garnish my wages is * * false, deceptive, and illegal * * under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - * * 807 ( 5 ) * * Threatening legal action that can not legally be taken - * * 807 ( 10 ) * * Using false representation or deceptive means to collect a debt - * * 809 * * Failing to validate the debt upon request As a result, I am entitled to statutory damages up to {$1500.00} per violation and may pursue * * additional actual damages * *.

You have XXXX days from receipt of this letter to : 1. Cease all collection efforts 2. Acknowledge your violations in writing 3. Settle this matter out of court or I will proceed with filing a lawsuit in [ Your County ] small claims court without further notice.

This letter also serves as formal notice that I have filed complaints with the * * Consumer Financial Protection Bureau * *, * * Federal Trade Commission * *, and * * Florida Attorney General * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2007, Balance : {$3000.00}

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 2025-07-31 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: MS

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 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 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I submitted an email to Wise Loans.

To Whom It May Concern, This email provides formal notification of the revocation of the ACH authorization granted to Wise Loan and all its affiliates, including XXXX XXXXXXXX, XXXX, and all lender partners, to debit my bank account ending in XXXX or my debit card ending in XXXX for payments related to Loan XXXX  XXXX. This revocation applies to the upcoming debit as well as all future payments. This revocation applies to any ACH authorizations, including electronic checks.

Please confirm receipt and cease all future automatic payments from the account immediately.

I would also like the {$230.00} refunded to my account w

ithin 5 business days, or I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for deceptive and unfair business practices. I will also consider any other legal remedies available to me under state and federal consumer protection laws.

Please treat this matter with urgency. I expect written confirmation that the refund has been processed and returned to my account by the stated deadline. Failure to respond appropriately will result in immediate escalation. 
Sincerely, XXXX XXXX I was advised that they would not be refunding my {$230.00}. 

I am filing a formal complaint against WiseLoan regarding deceptive loan practices associated with my account ( XXXX XXXXXXXX ). I believe that the company has misled me in the following ways : The terms and fees were either hidden and not clearly disclosed, making it difficult to understand the true cost of the loan. I feel that the disclosures provided by WiseLoan were intentionally confusing or misleading.

This resulted in unexpected and excessive financial hardship. I have incurred overdraft fees, been forced to delay other payments, and experienced undue stress due to misleading loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OK

Complaint narrative:
Im extremely frustrated to see that the inaccurate accounts are still present on my credit report, and they havent been removed. Ive attached the necessary documents, and Im urging you to review them carefully so I can finally stop stressing over this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
There is an account with credit acceptance {$22000.00} reporting to my credit which is fraud and not my account. i did not open this account anf would like it rectified by removing it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-31 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-31 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: MD

Complaint narrative:
The credit agency reported a charge-off of approx XXXX XXXX, received a 1099-C, but did not send me a copy of the 1099-C. It is still reporting it on my credit and needs to be removed immediately. I am requesting a copy or I will have to sue for statutory damages.

Under the FCRA, one can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming one owes the debt.

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 2025-07-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have unauthorized collection account on my credit report and UNDER FCRA SECTION U.S.C 1681a and UNDER FCRA SECTION 604 15 U.S.C I'm owed XXXX for information about this account it's inaccurate it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I made a deposit to Fifth Third on XXXX  XX/XX/year> from XXXX XXXX for $ XXXX my car equity check after a XXXX month total loss ordeal. I received verification Fifth Third cashed the check on the XXXX. On the XXXX Fifth Third claims a confidential informant mysteriously hacked my online banking and saw me deposit a XXXX check. And in that XXXX second between uploading my check they talked to XXXX. Fifth Third claims their confidential informant told them XXXX isnt going to pay the check after XXXX already paid the check. Problem is, XXXX paid the check on the XXXX. Fifth Third loves stealing. On the XXXX I signed car loan documents promising a {$2500.00} down payment. I never knew the thieves at Fifth Third decided to scam random customers to float money. I forgot to check with them the dates they allow me to withdrawal funds. Lets be honest, this is garbage. XXXX losing a great car deal while your friends over Fifth Third go to the cigar club and blow my $ XXXX. XXXX empowered them to steal from me. You are responsible! XXXX not going to be able to fix the mess your thieving buddies at Fifth Third create by illegally seizing funds and lying as to the reason why. They stole $ XXXX from me. XXXX reporting them to the DOJ, FBI and since they stole my only chance to replace my car XXXX go to the bus station and get a free veterans bus pass and remind the thieves they owe me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$3100.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$5800.00}

Company response to consumer: Closed with non-monetary relief