vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim of a debt. This letter is a formal request for validation of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Verification that I am legally obligated to pay this debt.

2. The name of the original creditor and documentation showing the debts origin.

3. A copy of any judgment, contract, or agreement that establishes my responsibility.

4. An itemized accounting of the amount claimed, including principal, interest, fees, and any other charges.

5. Proof that you are authorized to collect on this debt.

Until you provide proper validation, you must cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, you are required to inform them that the debt is disputed.

Please note that failure to comply with this request may constitute a violation of federal law. I expect your response within the timeframe allowed by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I've been doing gambling online for money. We are suppossed to receive so much to go to XXXX XXXX  paypal, XXXX, and some other places are mentioned then to whomever. Well after about a week every place said I had still not received any money. Paypal will not discuss any accounts or anything with me. I've requested another card because they said the one I had wasn't any good. XXXX XXXX had told me I had {$1500.00} I could use then I was denied payment. I kept getting mail on my phone telling me I had money in my paypal, XXXX XXXX XXXX and such but when I call I am told. I was trying to get my bills paid. I don't know who is lying but it sure has hurt me mentally as well physically. I need that money badly. Even XXXX is included. This is so wrong to do people this way. I had so much money I should have rerceived and now I don't really don't know what to do. This is not right and needs to taken care of. I don't think very much of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year> -- - I had a Coinbase impersonator contact me to inform me that my account was being compromised and that I needed to change my password and secure my account. He knew everything about my account and seemed legitimate. As I was changing my password, he gained access to my account and withdrew all of my crpyto ( around {$5000.00} ) and also transferred {$7800.00} from my bank account to my crypto account. As I was trying to call the Coinbase number, it was very difficult to even get anyone on the phone so I needed to send them e-mails to get my attention. No customer service. Once I got someone on the phone, the scammer had already did all his work. I have contacted Coinbase since the day of the incident for resolution and they have not done anything. I'm willing to entertain signing a release in exchange for some or all of the monies I have lost on this case and avoid joining the class action lawsuit and going the arbitration route.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
On or before XX/XX/year> I was contacted by a company that was pretending to be Prosper Marketing Place, I had previously secured a {$15000.00} loan XXXX prior I was called by a guy that explained he knew I had a loan with Prosper Market Place & that they were offering to remove all interest & finance on the loan due to the Pandemic. I explained to the gentleman that called I would be willing to do this as long as it wouldnt effect my credit he assured me that this would actually boost my credit & that I had nothing to worry about. Since then I have come to find out that I was involved in a Pandemic scheme I have did my research & came to find out I was actually working with another company name XXXX & that they only settle accounts I was told that the account should have been closed or reported as paid as agreed but they also said that Prosper could report it any way they want & that they could not do anything because they are not the ones reporting. I was able to get all the credit bureaus to remove this account but Experian continues to hold on to it after speaking with Prosper I was told they dont have access to remove it because it was paid & closed & that they couldnt change the status because they no longer have access to the loan. I would like to have this item removed because after reviewing the agreement its not my signature & I never agreed to this agreement nor would I ever. I ask that this item be removed due to misleading & fraudulent forced signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
On XX/XX/year> I opened a Robinhood brokerage account to evaluate the platform. I deposited {$1000.00} USD to the account via debit card. 

Today, on XX/XX/year>, I determined that the platform did not fit my needs. I decided to withdraw my money, and close the account. 

When I attempted to withdraw my funds, a fee was going to be charged on the instant transfer. I didn't want this, so I linked my bank 's checking account to withdraw my funds with no fee. 

The moment I attempted to withdraw my money, my account was restricted, and I was barred from making any withdrawals. I was sent an email that contained the following message : " You currently have restrictions placed on your Robinhood account. Here are the details of the restrictions : All Accounts - Withdrawals locked : You can no longer withdraw money from your account. '' My account is under review for 'unusual activity '. I did not do anything unusual!

I simply attempted to withdraw the money that I had deposited. Perhaps I was flagged for attempting to use a linked bank instead of the debit card ( that is tied to the exact same checking account )? 

On the web platform, A notification tells me that I will have to wait until XX/XX/year> to be notified of the status of my account. This is outrageous. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding the ongoing failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act. My name is XXXX XXXX and I am requesting regulatory assistance due to the bureaus continued refusal to provide the legally required information related to my dispute investigations. 

Under 15 USC 1681i ( 7 ), I am entitled to receive a full description of the reinvestigation procedures used to verify the disputed items on my credit report. This includes the business name and address of any furnisher contacted, a telephone number if available, and the specific steps taken to determine the accuracy of each disputed entry. Despite my requests, the credit bureaus have not provided the required information. 

I specifically asked each bureau to provide the following for every disputed account : the name of the original creditor, the creditor address and telephone number, the name of the individual who verified the information, the documentation relied upon for verification, and the procedures in place to ensure maximum possible accuracy. None of this information has been provided. 

Under 15 USC 1681e ( b ), credit reporting agencies are required to follow procedures that ensure the highest level of accuracy. The continued reporting of items that can not be verified or substantiated is a violation of this federal requirement. If the bureaus are unable or unwilling to provide the verification details I requested, they are legally obligated to delete the inaccurate information. 

The failure to comply with these statutory requirements constitutes negligent or willful noncompliance under 15 USC 1681n and 15 USC 1681o, which exposes the bureaus to civil liability. I have notified them that if they do not comply, I will be prepared to pursue litigation to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have maintained an active account with XXXX for over XXXX years. I am submitting a report regarding a collection item listed under incorrect name and address details. The previous address associated with my XXXX account indicates no outstanding balances, and XXXX has yet to provide validation for the collection. I will attach my current bill from XXXX for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
In the XXXX  of XXXX I had a phone conversation with Credit Fresh. I let a representative know I had run into financial strain after being out of work for five weeks. I was very candid about not being able to pay my monthly balance. A monthly balanced, I made on time payment for a year, might I add. I asked if there was another solution. The representative told me that if I don't pay my monthly bill for 3 months, the account would default and I would just have to pay the rest of my balance with no extra fees. What they failed to mention is that it would total up to a whopping XXXX dollars. A number had I heard early on, would have most definitely changed the course of our conversation. If I had a hard time paying off the rest of my XXXX dollar balance off ( plus the XXXX/monthly billing fees ), why would a representative lead a financially XXXX  person into a situation like this? I requested debt verification, I specifically asked to see the breakdown of how they arrived at this number. I thought it would be no issue considering they send a monthly balance statement. The feedback I was met with was shocking. Instead of providing the verification this company sent payment plans, all jumping around in numbers. First it was XXXXmonth then it was XXXX/month, and then it was XXXX/month. I'm not sure if this was supposed to count as a negotiation yet instead it felt bizarre and robotic. In one of these payment plan " negotiation '' emails a representative provided an incorrect XXXX XXXX address while providing a payment option of a payable check. The XXXX worker at the post office tried to verify it multiple times. Not only did I see emails from Credit Fresh attempting to collect payment but this is also all I heard over the phone while trying to get clarity. In the last phone conversation I had with them, I stated my case as efficiently as I could. After hearing the truth of the situation this representative left me on hold for 7-10 minutes only to come back with the same script that has been said to me over and over again. I have all of this documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
am filing this complaint because TRANSUNION is reporting inaccurate, incomplete, and unauthorized information on my credit report. I have already submitted a formal dispute directly to the credit bureau, but the information continues to be reported without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is : 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  Type of Error : Inaccurate and unverified reporting of a Charge-Off Issue Summary : The information is being reported without proper verification and without a permissible purpose. The furnisher failed to provide clear and conspicuous terms, as required under federal regulation, and did not provide opt-out disclosure. Additionally, the credit bureau has failed to provide the verification procedures as required under FCRA 15 U.S.C. 1681i.

Despite my written dispute, the credit bureau has not verified the accuracy of the account and continues to report it, violating : FCRA 1681i Failure to investigate and verify information FCRA 1681b ( 2 ) Reporting without permissible purpose FCRA 1681s-2 Furnishing inaccurate information Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Failure to maintain financial privacy FCRA 1681c-2 Failure to block information potentially resulting from identity misuse I am requesting the CFPBs assistance to ensure the following : The credit bureau provides documentation of the procedures used to verify the disputed account.

The inaccurate, incomplete, or unverifiable account is deleted from my credit report.

The credit bureau stops reporting the account unless full verification is provided.

I receive a corrected copy of my credit report.

This inaccurate reporting is harming my credit, my financial opportunities, and my right to fair and accurate credit information. I am requesting immediate intervention from the CFPB to enforce compliance with federal law.

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 2025-11-15 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: MD

Complaint narrative:
I am filing this complaint because the credit bureaus have willfully failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681e ( b ). Despite multiple disputes and documented requests, the bureaus have * * refused to remove inaccurate, unverified, and legally obsolete information * * from my credit report.

Their failure to conduct a lawful reinvestigation, failure to provide proper verification, and continued reporting of false information is not only negligentit is * * knowingly damaging to my character, reputation, and financial standing * *. 

The information in question has * * no certified proof, no permissible purpose, and has not been validated within the statutory timeframe * *, making its continued reporting a direct violation of my consumer rights under federal law. 

Because of the bureaus refusal to correct these errors, I have suffered ongoing harm including : * Damage to my personal and professional reputation * Denial of credit opportunities * Emotional distress and unnecessary financial obstacles I am requesting immediate CFPB intervention. I want the bureaus compelled to : 1. Provide full documentation proving verification of the disputed items, * * or * * 2. Permanently delete all unverifiable, inaccurate, or outdated accounts and inquiries in accordance with FCRA requirements. 

Their noncompliance demonstrates systemic misconduct, and I am requesting full enforcement action to ensure my rights are protected and this matter is resolved immediately.

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 2025-11-15 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: NY

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX  and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-11-15 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX  and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX  and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-11-15 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: GVA Holdings, LLC
State: NV

Complaint narrative:
I am filing a complaint against Bright Lending / Aaniiih Nakoda Finance , LLC, a tribal lender operating without a XXXX  license. 
I received a loan of {$1100.00} with an APR of 599.9996 %, requiring total repayment of {$6000.00}. I have already paid {$1800.00}, which exceeds the principal. 
Issues : Extremely high interest rate Forced arbitration under tribal law Lender claims tribal sovereign immunity No disclosure of state licensing Mandatory ACH withdrawals Predatory repayment structure ( nearly all payments applied to interest ) Lender operates in Nevada without state authorization I request CFPB review of Bright Lendings lending, servicing, and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I dont recognize these accounts on my credit report is seriuosly hurting my ability to obtain credit, please remove it from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged the incorrect amount on the auto loan ; the auto loan also has a fake signature on the bill of sale. I was also never given my warranty documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

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 non-monetary relief