vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
I participated in the " XXXX Deposit Match Promotion '' offered by the company. After meeting all requirements, I was awarded a bonus.

On XX/XX/year>, the company clawed back ( withdrew ) this bonus from my account in two separate transactions, totaling approximately {$140.00} ( XXXX USDG and XXXX USDG ). The company 's reference IDs for these two clawback transactions are XXXX and XXXX. 

I immediately contacted customer support to dispute this. On XX/XX/year>, a support agent ( XXXX ) informed me that the clawback occurred because I " withdrew funds to your XXXX XXXX XXXX. '' This claim is false and represents a deceptive interpretation of their own terms. 

The transaction they are flagging was an INTERNAL TRANSFER between my main " Spot '' wallet and my " Futures '' wallet, which are both held within the company 's platform. The funds never left the company 's platform or ecosystem. The promotion 's official rules state a clawback is triggered by " one or more
withdrawals from Kraken '' ( from the company ). An internal transfer within the company 's platform is not a " withdrawal from '' the company.

The company is using confusing and misleading fine print to improperly confiscate a bonus I rightfully earned. I have already attempted to resolve this directly with their support staff, but they have refused to acknowledge their error. I am requesting a reversal of these two clawback transactions.

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 2025-11-12 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:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/2025 To : Equifax, XXXX XXXX and XXXX Subject : Credit Report Dispute XXXX XXXX XXXX ( Account No. XXXX ) Dear CFBP I am writing to dispute inaccurate information appearing on my credit report. The item is reported under XXXX XXXX XXXX, account number XXXX 

The report lists this account as Charged Off with a {$220.00} balance and indicates delinquency beginning in XXXX. I am disputing this account because I have no knowledge of this account and have never opened, authorized, or received any credit or services from XXXX XXXX XXXX. 

This information is incorrect and unverifiable, and its continued presence on my report constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611, which requires that all information in a consumers credit file be accurate, complete, and verifiable. 

I am requesting that this account be immediately investigated and either : XXXX. Deleted from my credit report if it can not be fully verified with supporting documentation, or XXXX. Corrected to accurately reflect the factual information if an error has occurred. 

If the furnisher of this data can not provide proof of my legal obligation to the debt such as a signed contract, account statements, and payment records it must be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/2025 To : Equifax, XXXX XXXX and XXXX Subject : Credit Report Dispute XXXX XXXX XXXX ( Account No. XXXX ) Dear CFBP I am writing to dispute inaccurate information appearing on my credit report. The item is reported under XXXX XXXX XXXX, account number XXXX 

The report lists this account as Charged Off with a {$220.00} balance and indicates delinquency beginning in XXXX. I am disputing this account because I have no knowledge of this account and have never opened, authorized, or received any credit or services from XXXX XXXX XXXX. 

This information is incorrect and unverifiable, and its continued presence on my report constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611, which requires that all information in a consumers credit file be accurate, complete, and verifiable. 

I am requesting that this account be immediately investigated and either : XXXX. Deleted from my credit report if it can not be fully verified with supporting documentation, or XXXX. Corrected to accurately reflect the factual information if an error has occurred. 

If the furnisher of this data can not provide proof of my legal obligation to the debt such as a signed contract, account statements, and payment records it must be removed from my file.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I pulled my credit reports ( all 3 ) at the beginning of XX/XX/XXXX. I noticed numerous collection accounts on my reports. On XX/XX/XXXX I certified mailed a debt validation letter to LVNV Funding in regards to an account they are reporting on my credit reports. On XX/XX/XXXX I received a letter in the mail from Resurgent Capital Services stating they enclosed the account summary which provides verification of debt, they also sent a statement. I sent out another certified letter XX/XX/XXXX for Follow-up on Debt Validation request. They received it on XX/XX/XXXX. I am not wanting verification of debt I want validation of debt. They are not submitting me with the information I am legal obligated too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-12 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected 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 explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected 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 explanation
Consumer complaint received 2025-11-12 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Around XX/XX/year>, I traded in a truck at the XXXX dealership in XXXX, Texas for a new vehicle. The dealership took possession of the truck but failed to pay off the loan in a timely manner. During the months that followed, I continued receiving notices from the lender stating that payments were overdueeven though I no longer had the vehicle. 

I contacted the dealership multiple times and was told the loan would be paid off and not to worry. During this time, we were making payments on the new vehicle we received in the trade-in, while the dealership delayed paying off the truck loan. This added financial strain and confusion, and contributed to the credit damage I experienced. 

As a result of the dealerships delay, my credit score dropped by approximately XXXX points. I filed a dispute with XXXX  in XX/XX/year>, which was marked approved, but the negative item remained and my score was never corrected. 

I no longer have access to the documentation, as my ex-partner retained those records. I am requesting that this issue be investigated and that the credit damage caused by the dealerships delay be corrected. This situation was outside of my control and has had lasting financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am submitting this formal dispute to request a reinvestigation of several items on my credit report that are inaccurate, incomplete, or unverifiable. These items are negatively affecting my credit profile and must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
Late Closed Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$780.00} This account is reported as late closed ; however, the reported payment history and status do not align with my records. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure that all information is accurate and complete. I request that this account be reinvestigated with the creditor and corrected to reflect accurate payment history. 
Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} These charge-off accounts are reported with balances and status information that are inconsistent with my records. FCRA 607 ( b ) and 611 ( a ) [ 15 U.S.C. 1681e ( b ), 1681i ] require that all reported data be verified and complete. I request that these accounts be reinvestigated directly with the original creditors and that any unverifiable or inaccurate information be corrected or updated immediately. 
Collection Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} These collection accounts have inconsistencies in balances, reporting dates, and account status. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], each item must be fully verified with the original creditor. If the creditor can not provide documentation to substantiate the balances, statuses, or reporting dates, the entries must be corrected or removed from my credit file.

Inquiries Included in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute these inquiries as they may not have a verifiable permissible purpose in accordance with FCRA 604 ( a ) [ 15 U.S.C. 1681b ]. I request that each inquiry be verified with the furnisher. Any inquiry that can not be substantiated must be removed or corrected to ensure that my credit report accurately reflects only authorized credit activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Chime Financial Inc
State: NC

Complaint narrative:
I noticed a charge on my account that I didnt make. I dont know what the company is. It was for {$42.00} on XX/XX/year>. I tried filing a dispute through my bank ( chime ) and they denied it. Ive already requested new cards and new pins and everything. I just really need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes and supporting evidence, the credit bureaus have failed to correct or remove inaccurate and unverifiable items from my credit reports. 

These bureaus have allowed the reporting of accounts that are inaccurate, fraudulent, and lacking a permissible purpose under 15 USC 1681b. They have also continued reporting information without verifying its accuracy, in violation of 15 USC 1681e ( b ). This ongoing inaccuracy has caused harm to my credit standing and consumer rights.

I have made repeated attempts to resolve this matter directly, but the credit bureaus have failed to conduct proper reinvestigations or provide the documentation required by law. Their continued reporting of disputed and unverifiable items demonstrates willful and negligent noncompliance under 15 USC 1681n and 15 USC 1681o.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes and supporting evidence, the credit bureaus have failed to correct or remove inaccurate and unverifiable items from my credit reports. 

These bureaus have allowed the reporting of accounts that are inaccurate, fraudulent, and lacking a permissible purpose under 15 USC 1681b. They have also continued reporting information without verifying its accuracy, in violation of 15 USC 1681e ( b ). This ongoing inaccuracy has caused harm to my credit standing and consumer rights.

I have made repeated attempts to resolve this matter directly, but the credit bureaus have failed to conduct proper reinvestigations or provide the documentation required by law. Their continued reporting of disputed and unverifiable items demonstrates willful and negligent noncompliance under 15 USC 1681n and 15 USC 1681o.

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 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I noticed thzt there a a few accounts reporting on my report that I am not fimiliar with

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-12 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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