vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-24 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/XXXX there was an ACH payment for {$11000.00} that was flagged. This is the same ACH payment made to me routinely. My bank FNBO decides to freeze my entire account because the Names dont match on the ACH payment. However they are aware of this and flagged my account anyways even though these same ACH payments have been made without any issue from the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Net credit Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX. 
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX2025 made reservation to fly to XXXX and thought I was talking to XXXX but was speaking to XX/XX/XXXX who I apparently gave my Citi XXXX credit card information for {$6600.00}. My wife called XXXX to change reservation and made the same flight and was charged by XXXX also for same flight. So Citi is charging me XX/XX/XXXX for same flight. Tried to contact XXXX XXXX to cancel the reservation made with them. Unable to reach XXXX XXXX. Filed Fraud claim with Citi who said it was not fraud but scam so they couldn't help me. Therefore filed dispute with CitiXX/XX/XXXXand was given inoperable phone numbers both times for XXXX XXXX. Citi allegedly investigatedXX/XX/XXXX after I filed Police report and was told by Visa charge was to be paid and Citi was unable to provide me financial relief from Visa nor XX/XX/XXXX corporate name nor address, working phone numbers, email, nor website. Spoke to XXXX about possible XXXX info about XXXX XXXX. I was told by XXXX that if a XXXX party made a reservation on their airline they would have a transaction Number which they did not have any record of. Unexplainedly, XXXX XXXX provided exact same ticket number as XXXX to XXXX which is why XX/XX/XXXX says it was a legitimate charge and would not refund money. I have been paying interest on disputed amount. If this is happening to me then it is happening to many more Floridians. I was able to find out from Citi that XXXX of New Jersey apparently is where XXXX XXXX took the funds but XXXX is unreachable unless one has an account. 

Please help me get credit from Citi and hold them responsible for poor representation of me and XXXX for being part of this fraudulent transaction.

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 2025-10-24 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone used my last address and phone number from XXXX and opened an account under my name with Wells Fargo. I had closed all accounts with Wells Fargo in XX/XX/XXXX, and paid off my credit card with them in XX/XX/XXXX. I was notified that an email was changed on my Wells Fargo account, after much back and forth with Wells Fargo I found out about the account and other items set up under my name. This occurred XX/XX/XXXX. I have constantly requested the closure of this account and anything that includes my information and that they do not have my consent. A police report was filed. I still can not obtain verification from Wells Fargo that the account has been closed.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft, and my personal information was used without my knowledge or consent to create or use an account on coinbase.com The person or people responsible for this scam caused financial losses to XXXX, but I had absolutely no involvement in their actions. 

Despite filing a complaint with XXXX my information and bank was taken over by someone as I was out of the State for a whole year, they even used my information open a credit card on my name and I came back with dept with XXXX XXXX XXXX  did not authorize or participate in any transactions, the company has failed to properly investigate the situation or verify that I am a victim. Instead, coinbase has taken extremely inappropriate actions they have sent individuals to my property to harass and intimidate me, attempting to collect money or pursue legal action for something I did not do. 

This has caused me significant emotional distress and a violation of my privacy. I am deeply concerned about coinbase negligence in handling identity theft cases, their lack of proper consumer protection protocols, and their harassment of an innocent victim rather than pursuing the actual fraudsters.As I read more about the company Coinbase I even see that recently they had a huge data breach and a lot of people got their information stolen hence to prove they are a unprofessional company in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I paid off my car loan withTD auto finance on XX/XX/XXXX, XXXX was issued a reimbursement check for overpayment XXXX {$3.00}. 
On XX/XX/XXXX I sent a message to the secure message center requesting a Lien Removal letter and explained I had a buyer for my car and was purchasing and picking up a new car on XX/XX/XXXX. 
I was told to call the customer service # which I did.

I was told by the c/s agent that my lien release letter was sent on XX/XX/XXXX and that it takes 7-10 business days to arrive.

I called c/s again today and was told that the letter never went out and would be expedited. When I explained that I had to borrow money for the down payment for a car I am picking up tomorrow... there was no sense of urgency or concern by the c/s agent .. it was an oh well attitude.. I requested that the letter be emailed to me and was told we don't do that! I requested the letter be sent next day to me and offered to pay for it - again we don't do that. 
I am so frustrated with the lack of service of TD Auto Finance and hope no one else receives this treatment. Horrible c/s no can do attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have knowledge and personal experience with merchants in XXXX NY who are charging a surcharge/fee on a debit card transaction, which is prohibited by the card network rules ( XXXX ) and federal law ( the XXXX XXXX ). 
I have over XXXX different Merchants doing this illegally in the capital region and there needs to be something done. The media was also notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Complaint Details : I filed a debit card dispute with Chime on XX/XX/year>, for a charge that included an unauthorized warranty. According to Regulation E ( 12 CFR 1005.11 ), if a bank can not complete a dispute investigation within 10 business days, it is required to issue a provisional credit while the investigation continues. 
As of today, I have not received a provisional credit, nor have I received a written explanation for the delay. I have contacted Chime multiple times, including asking to escalate the dispute to their Regulation E compliance team, but they have refused to issue a provisional credit or provide a valid exemption under the law.

I am requesting that the CFPB investigate this matter and ensure Chime complies with federal law by issuing the appropriate provisional credit or resolving the dispute promptly. 
Desired Outcome : Immediate provisional credit for the disputed amount Confirmation that the dispute is being investigated in compliance with Regulation E Clear timeline for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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

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 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I found out about the outstanding amount from my credit report, it appears that I have an outstanding balance which appears to be a repeated amount of XXXX dollars x XXXX I never received a statement it appears to be a medical bill totaling XXXX dollars, the breakdown is XXXX x XXXX it does not show a itemized breakdown. Please advise me as to how this matter can be resolved. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Unauthorized XXXX XXXXXXXX XXXX IRS Recall withdrawal of {$10000.00} was taken from my Credit Karma checking account without authorization on XX/XX/year>. I tried to dispute the transaction with Credit KarmaXXXXXXXX XXXX XXXX XXXX they said they couldnt dispute the transaction and referred me to contact the IRS. The IRS informed be they did not recall this money. If they had I would have received notices ( with I did not ), they wouldve pulled from my XXXX XXXX account attached to my IRS ID.me account ( which they did not ), the transaction wouldve had a tax reference number ( which the transaction did not ) and the transaction type would have been an ACH ( which it was not.. ). I called back Credit Karma to try once again in reporting fraud and to dispute the transaction. They said that there is nothing they can do because the transaction shows up as internal to cash in the form of a check and they could not tell me what address or where this paper check was sent to or any receiving end account information of where it was sent. They said there was nothing they could do and referred me back to the IRS I asked what information they needed from the IRS to prove that they did not take out or receive this money, but I did not get an answer. Not only am I worried my money was stolen, I am also worried that my information was stolen through Credit Karma. I have filed a police report with the XXXX XXXX Police Department in Georgia. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I reviewed my recent credit reports and found multiple unauthorized hard inquiries that I did not apply for or authorize. I have never given permission to these companies to access my credit file, nor did I submit any credit applications to them around the listed dates. 

The inquiries appeared on my report as follows : XXXX ( XXXX Bank ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX These inquiries are negatively affecting my credit score and were made without my knowledge or consent, which is a violation of FCRA XXXX ( a ) ( XXXX ) requiring consumer authorization before a credit inquiry is made. 

I contacted the credit reporting agencies to request documentation proving I authorized these inquiries, such as signed applications or consent forms, but no proof has been provided. 

I am filing this complaint to request that these inquiries be investigated and deleted from my credit reports if the companies can not verify that I granted permission.

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