vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
These documents were submitted to both XXXX XXXX XXXX XXXX and XXXX, as well as to the consumer reporting agencies. The accounts were initially deleted after being verified as fraudulent due to a data breach and identity theft. However, these same accounts were reinserted without proper notice or verification, which directly violates : FCRA 605B ( b ) and ( c ) requiring blocking and prohibiting reinsertion of identity theft information ; FCRA 611 ( a ) ( 5 ) ( B ) requiring notification and certification before any reinsertion ; and applicable state consumer protection and data privacy laws regarding identity theft victims.

This reinsertion has caused ongoing harm, credit score damage, and emotional distress. I am demanding that the CFPB escalate this complaint to ensure : 1. Immediate and permanent deletion of the XXXX XXXX and XXXX accounts ;

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 2025-11-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Hi I so recently I filed XXXX transactions that are unauthorized for dispute. date of the first transaction was made on XX/XX/year> amount is {$27.00}. Second transaction was made on XX/XX/year> amount is {$65.00} and the last transaction was made on XX/XX/year> and the amount of this one is {$100.00} merchant name is XXXX XXXX XXXX. I did not authorize those transactions as I havent used this paypal account in almost XXXX  years finally coming back to using paypal again and noticed that my account was in fact compromised when I checked my email said something about my password was changed and I was confused on why I couldnt log in the first time. my paypal email account is XXXX. I also dont even know what XXXX XXXX XXXX even is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In early XX/XX/year>, I went to an XXXX dealership wanting to purchase a new car as my car at the time was getting old and starting to cost more money in repairs. I asked about the XXXX XXXX, and because I was interested in financing the car, the dealership took my information and ran a credit inquiry. In a matter of few days, I heard from the dealership stating that I was approved from XXXX of their financiers. When I went to finalize the deal, I was surprised that the interest rate was so high for someone with an excellent credit as mine at the time of the purchase. Nevertheless, when I started asking questions, the salesperson at the dealership, who goes by the name XXXX, reaffirmed that I was indeed getting the best interest rate because of my excellent XXXX XXXX. I was hesitant, but I believed him as I figured I had no reason to not believe him since it was obvious I liked the car and could most likely get financing it elsewhere if I had decided to. Then a few months later, my life took a devastating turn of events as I became unemployed for months. This made me look into my finances, mostly my living costs, including the interest rate on my auto loan. The more I asked questions, the more it appeared to me that there was a possible instance of credit discrimination with the interest rate I was offered. In XXXX of this year, I contacted my auto loan financier, Bank of America asking for clarification on the terms of the loan, mainly how the bank came up with the interest rate. Since XXXX, I have written XXXX complaint letters to Bank of America 's corporate office, but my efforts have been to no avail. These are the events that led me to file a complaint against Bank of America for a potential case of credit discrimination. Thank you!

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX conducted a hard credit inquiry on my credit report without my knowledge or informed consent on XX/XX/year>. I attended a promotional timeshare presentation where the staff asked for my name, address, and Social Security number, stating that it was required only to confirm my eligibility for the promotional package. At no point did the representative inform me that they would be pulling my credit or initiating any type of credit application. 

I signed paperwork under the belief that it was solely for the package and presentation, not for a credit inquiry. The purpose of the form and the use of my personal information were misrepresented to me. I did not knowingly authorize a hard credit check, nor did I seek any credit or financing from XXXX. 

This is a deceptive business practice and violates the Fair Credit Reporting Act ( FCRA ), which requires clear disclosure and a permissible purpose before running a hard inquiry. XXXX lacked a permissible purpose because I did not request credit, was not applying for credit, and did not give informed permission. 

This unauthorized hard inquiry is negatively impacting my credit, and TransUnion has informed me that the removal must come directly from the company that placed it. I am requesting that the CFPB require XXXX to : XXXX. Provide proof of clear, informed authorization ( if they claim it exists ), XXXX. Remove the unauthorized inquiry from all credit bureaus, XXXX. Cease deceptive collection of consumer Social Security numbers for undisclosed credit-pull purposes. 

Thank you for your assistance in resolving this matter.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hello, This is continuation from Complaint i filed XX/XX/year>. I've received an substantial amount of funds from someone. Finally got everything paid for to get access & in XX/XX/year>. My coinbase account/email was hacked & cloned. I've been working with coinbase on this matter, however, coinbase is steadily asking me to provide additional funds to get this matter tooken care of my funds not being hijacked. I've acquired an attorney who deals with coinbase & was provided through the attorney that my funds aren't in my account & this possible could be a scam. The attorney checked my coinbase account & the assigned XXXX address i was assigned since XX/XX/year> & found no funds. 
This is a serious matter that needs to be addressed immediately. Where are my funds & why do i need to send coinbase money to have them try to stop the hijacking of my funds. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
XXXX XXXX opened on XX/XX/year> XXXX XXXX opened on XX/XX/year> XXXX Inquired on XX/XX/year> 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 2025-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The are calling family members who are not on the account. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
As a federally protected consumer, I have the right to privacy, accuracy, and fair handling of my personal information under the Fair Credit Reporting Act ( FCRA ). My data must be maintained with confidentiality, and any information reported about me must be accurate, complete, and verifiable. 

I am formally disputing the items referenced in my attached documents. These entries are inaccurate, misleading, and not supported by proper verification, which places them in violation of FCRA 602 ( a ), 607 ( b ), and 611. Reporting information that can not be verified or substantiated is unlawful and harmful to my character, financial reputation, and consumer rights. 

I am specifically requesting : Deletion of all accounts and entries that are unauthorized, inaccurate, or unverifiable. 

Correction or removal of all late payment notations that are misleading or not supported by documented proof. 

A full explanation of the method of verification used for each disputed item. 

If any furnisher of information can not provide documented, original evidence substantiating these late payments or negative entries, the information must be removed as required by federal law. 

I have enclosed all supporting documents, including an invoice for damages resulting from inaccurate reporting. I expect a response and completed investigation within the timeframe required under FCRA 611. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
XXXX opened on XX/XX/year> XXXX XXXX  inquired on XX/XX/year> XXXX XXXX inquired on XX/XX/year> 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 2025-11-29 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: NV

Complaint narrative:
XXXX opened on XX/XX/year> XXXX XXXX  inquired on XX/XX/year> XXXX XXXX inquired on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Tilt Finance, Inc.
State: KS

Complaint narrative:
" Tilt '' is an app based ; revolving credit line that offers credit lines from {$10.00} to {$200.00}. However, to see how much a consumer would qualify for, the consumer has to pay for a membership. This membership fee is {$8.00} per month and must be payable prior to either being offered a line of credit or declined. In my experience, I paid the {$8.00} membership fee as they indicated the average approval was around {$120.00} credit line. However, after paying, I was offered a credit line of {$10.00}. Effectively giving me a net loan of {$2.00} ; I'm assuming to avoid breaking regulation about asking for money before offering credit. This is why I am submitting this complaint. The value of {$2.00} is so low, that after paying the transfer fee that would be due when the loan was to be paid back ; then mathematically ; no loan would have actually been given. So, this company is effectively asking vulnerable/subprime borrowers to pay {$8.00} per application only to turn around, keep the {$8.00} and give nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app are fraud they steal your money I have XXXX accounts XXXX XXXX and XXXX XXXX I accidentally sent XXXX from the XXXX XXXX account to The XXXX XXXX XXXX which is a older account I provided my cashapp tag and my address and pin now they say the account is. Closed and will not send it back to the original account it was sent from they are given me the run about and I want my money return to the original account please help me. sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
On XXXX, I requested a copy of my free annual credit report from Equifax, XXXX, and XXXX. XXXX  and XXXX  fulfilled my request, but Equifax did not. On XXXX, I sent a second request to Equifax for a copy of my credit report. On XXXX, Equifax sent me letter requesting additional information to verify my identity and address. On XXXX, I fully complied with the XXXX Equifax request with a copy of my driver 's license, social security card, and a utility bill plus copies of the first page of my Equifax credit reports from XXXX, XXXX, and XXXX with confirmation numbers as proof that I have a credit file with them. On XXXX, I sent a third request to Equifax for a copy of my credit report. On XXXX, Equifax sent me a duplicate of the XXXX letter wherein they again requested all the same additional information to verify my identity and address. It should be noted that this is the fourth consecutive year Equifax has requested the same identification information from me which I mailed to them in XXXX, XXXX, XXXX, and XXXX. I did not respond to the XXXX Equifax letter and decided to file a complaint with the CFPB. No consumer should experience such difficulty in obtaining a copy of their credit report given the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This complaint against U.S. Bank comes after the bank became the debtor of my XXXX XXXX credit card, a debt that the bank bought sometime around XXXX  ( per my recollection. ) At the time U.S. Bank bought the debt, the interest rate on my credit card was at XXXX XXXX. As soon as U.S. Bank acquired the XXXX XXXX debt, they decided to increase the interest rate from XXXX  % to XXXX %. This increase emanated from pure greed as it had nothing to do with any change in the prime interest rate. I complained to U.S. Bank about its decision to hike up the interest rate on my credit card, but the bank refused to rectify their greed. Despite my complaint, U.S. Bank was not done with increasing the interest rate. In XXXX of this year, I was appalled to learn that U.S. Bank had increased the interest rate on my credit card for a second time, bringing the rate to an all-time high of XXXX %. U.S. Bank did this without sending any notification. In a span of XXXX years, since buying my debt from XXXX XXXX, U.S. Bank has increased the interest rate on my credit card from XXXX  % to XXXX %, all in the name of greed. It is clear that U.S. Bank will not stop this insatiable desire to capitalize on the misfortunes of people who have to resort to credit just to survive. At this point, I am left with no other choice but to enter this complaint against U.S. Bank.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
SoFi Bank notified me on XX/XX/year> that my checking account ( ending in XXXX ) was being closed and placed under review by their internal team. Since that date, SoFi has restricted my access to the account and is holding my funds, totaling {$33000.00}, without providing any timeline for when the account will actually be closed or when my money will be returned.

I have contacted SoFi multiple times, and they continue to tell me only that the account is under review. They refuse to give me any estimate or explanation regarding the release of my funds. As a result, they are effectively withholding my money indefinitely.

This is causing significant financial hardship, and I believe SoFis actions constitute an unfair and unlawful banking practice. I am requesting CFPB assistance to compel SoFi to immediately release my funds and provide a clear written explanation for the account closure and delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
XXXX XXXX opened on XX/XX/year> XXXX XXXX opened on XX/XX/year> XXXX Inquired on XX/XX/year> 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 2025-11-29 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: NV

Complaint narrative:
XXXX XXXX opened on XX/XX/year> XXXX XXXX opened on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I reached out numerous times via certified mail, in XXXX and XXXX. No response directly from the company or the attorneys they hired. 
Have gotten multiple filings with courts stating that Wage Garnishment had been attempted to set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least XXXX days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation