vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: AR

Complaint narrative:
I previously submitted a dispute concerning inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that some of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX OF XXXX * * * * Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CO

Complaint narrative:
I had someone impersonating my bank Chime XXXX... They called and texted me last Friday. They pretended like they were my bank and they stole {$1100.00} out of my account, and I have been trying to appeal the dispute that was denied back to back to back to back to back. I provided him with all information they needed to dispute my transaction and refund me my money. The scammer had the last four of my social, last four of my card number, address, phone number, email address .. basically everything. And hopefully my account wasn't breached and that's why they have all of it. He was even able to see me scrolling through my Chime app. I went to the extent of doing multiple police reports, FBI report, XXXX  report, XXXX XXXX XXXX report..... all of it. I'm even working on trying to obtain the phone call from Friday. I've provided them with the number numbers that this person had reached out to me with, emails.... everything... and they're still not trying to work on this. All they do is keep this information and deny me a day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 am submitting this third follow-up complaint regarding my ongoing dispute of a charge-off account that is incorrectly reported as a Profit and Loss Write-Off or Charge-Off on my credit report. As per the previous communication, I would like to reiterate that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been forgiven or canceled, in violation of IRS regulations .

According to IRS guidelines, any debt canceled or forgiven over {$600.00} must be reported with a 1099-C form, and as of this date, I have not received such a form, nor has the creditor provided any evidence of cancellation. Therefore, I maintain that the charge-off is inaccurately reported, and I am requesting that it be removed from my credit file, as the debt has not been forgiven in compliance with applicable regulations. 
Additionally, I request the removal of the following inquiries from my credit file under FCRA 605B and FCRA 619 15 U.S.C. 1681q, as these inquiries were made without permissible purpose or after the required timeframe for reporting. 
XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$5600.00} Original Creditor : XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX  ) Balance Owed : {$0.00} Original Creditor : XXXX XXXX XXXX ( Account : XX/XX/XXXX ) XXXX XXXX  ( Account : XX/XX/XXXX ) XXXX XXXX ( Account : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account XXXX XX/XX/XXXX ) XXXX ( Account : XX/XX/XXXX ) XXXX  ( Account : XX/XX/XXXX ) XXXX  ( Account : XX/XX/XXXX ) XXXX, XXXX ( Account : XX/XX/XXXX ) XXXX ( Account : XX/XX/XXXX ) ONEMAIN ( Account : XX/XX/XXXX ) XXXX XXXX ( Account : XX/XX/XXXX ) Under FCRA 611, I am requesting an investigation of these accounts and inquiries to ensure compliance with the Fair Credit Reporting Act and request their removal or proper validation if they are deemed to be inaccurately reported. It is imperative that all entries in my credit report reflect accurate and truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IA

Complaint narrative:
On XXXX XX/XX/year>XXXX  I purchased a tree from XXXX XXXX, a local outdoor store. The company had a policy that if the tree dies within a year they provide a full refund. The tree did not live through winter and notified store of this. I no longer had the receipt so called corporate and they guaranteed refund and then went cold talking to me. I then filed complaint with Corporate, no response. I then filed a complaint with Citibank to pull this transaction back. If took them 3 months to figure this out and after even providing info on from XXXX XXXX on their refund policy and proof they promised refund they would not cover this expense or find in my favor. They simply said they, XXXX XXXX, showed proof purchase was made and that's it doesn't matter if tree died. Also said Truth in Lending only allows 60 days to file a complaint. I told them based on my research that Truth in Lending only applies to durable items on complaint timeline not items like this that are not durable. So coming to you as they denied my request for a refund and I do believe this is a obligation the owe me as my credit card company to protect me from fraud and this was straight up fraud from a company that isn't living by their promise for refund.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
XXXXOn XXXX XXXX XXXX I called M&T Bank and spoke with their XXXX XXXX  to request a credit limit increase for a credit card that I opened with the bank since XXXX XXXXApplication Confirmation NoXXXX XXXX XXXX XXXXThe bank checked my XXXX  credit bureaux report with a hard inquiry dated XXXX XXXX XXXXOn XXXX XXXX XXXX and without my consent, the bank hit my XXXX  Credit Bureaux Report with another hard inquiry. \n\nI never submitted any capplication with the bank on XXXX XXXX XXXXI submitted a complaint with the bank that they didn't have my consent for the hard inquiry made on XXXX XXXXThe bank failed to provide any explanation to the hard inquiry, however. \n\n\nThe bank also denied my application for the credit limit increase, despite the fact that my payment history with the bank and my XXXX  Credit Score qualify me for the credit limit increase. \n\nI submitted a complaint with the bank customer service, but my complaint remains unresolved.\n\n\nI believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity,  perceived race, and perceived religion. \n\n\nI hope that this complaint would encourage the bank to provide equal opportunity and to enforce state and federal anti discrimination laws within their own organization."

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 2025-10-30 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: FL

Complaint narrative:
XXXX XXXX  is furnishing inaccurate and incomplete credit information to all three major credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The account is being reported incorrectly and is damaging my credit reputation. I previously disputed this directly with the credit bureaus and/or XXXX, yet the information remains inaccurate. 

I am also requesting special attention because XXXX is my first language and I have difficulty understanding some of the dispute and reporting procedures in XXXX. I believe this language barrier has prevented me from being able to properly resolve the issue. 

Please investigate and ensure this account is deleted from all consumer reporting agencies or corrected to reflect accurate, verified data.

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 2025-10-30 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  is furnishing inaccurate and incomplete credit information to all three major credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The account is being reported incorrectly and is damaging my credit reputation. I previously disputed this directly with the credit bureaus and/or XXXX, yet the information remains inaccurate. 

I am also requesting special attention because XXXX is my first language and I have difficulty understanding some of the dispute and reporting procedures in XXXX. I believe this language barrier has prevented me from being able to properly resolve the issue. 

Please investigate and ensure this account is deleted from all consumer reporting agencies or corrected to reflect accurate, verified data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
XX/XX/2025 The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - The following personal information is incorrect- Please delete this from my credit report. 
EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
XX/XX/2025 The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - The following personal information is incorrect- Please delete this from my credit report. 
EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On Saturday XXXXXX/XX/XXXX I sent a wire of {$120000.00} from my account at XXXX XXXX to a company named Coinbase ( at Coinbase.com ). The weekend understandingly made the delivery not complete until Monday XX/XX/XXXX at XXXX. Since then Coinbase has not given me information on why they are holding my funds captive. They will not let me move my money out of the account, not even in small {$1000.00} amounts, and have never given me a reason for placing that restriction. I have called them over ten times during the last 10 days, and the customer service people I talk with keep giving me the same delay tactics of 1 ) putting me on hold for 5 minutes while they check with someone, and 2 ) coming back on the call to tell me that " we need to be patient '', with no answer or reason for the restriction. 

I have asked those customer service people to have a supervisor/manager to give me a callback, but they won't do that. 
Just now I spent 37 minutes on the phone, and just kept repeating that I wanted the callback, and eventually the person changed their response from " I can not help you '' to " I have asked for a manager to give you a callback regarding Case # XXXX ''. It was very difficult to get that far. I realized that they would not hang up on me, and so I just kept respectfully asking them to request the supervisor/manager callback. 

I still, ten days later can not move any money out of that account, and there is not explanation of why. {$120000.00} is a lot of money for me, and to have them hold it hostage with no explanation is a severe hardship, and waste of time on phone calls to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: VA

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 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 2025-10-30 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate there items for me to ensure accuracy. 

Here is the item Im asking you to verify as accurate ; XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate there items for me to ensure accuracy. 

Here is the item Im asking you to verify as accurate ; XXXX 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 explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This correspondence serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate and permanent deletion of several unauthorized and unverified credit inquiries currently appearing on my consumer credit file. 
This is not a request for correction or update it is a demand for deletion under federal law, as these inquiries were made without authorization, without a permissible purpose, and without verification. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never granted authorization, initiated an application, or given written consent to any of these entities to access my consumer report. Therefore, each of these inquiries is unverified, unauthorized, and unlawful under multiple provisions of the Fair Credit Reporting Act. 
Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report to an entity with a legitimate permissible purpose, such as a transaction initiated by the consumer. These inquiries were not made in connection with any such transaction or consent, making their appearance unlawful.

Further, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) declares that it is unlawful for any person to obtain a consumer report without a permissible purpose. Each of these inquiries therefore represents an unauthorized access to my private consumer information. 
Additionally, FCRA 619 15 U.S.C. 1681q establishes that any person who knowingly and willfully obtains information under false pretenses shall be subject to criminal penalties. Any party that accessed my file without authorization may have violated this statute.

Under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to block and permanently remove any information resulting from identity theft or unauthorized access. Because these inquiries were not initiated or approved by me, they must be blocked and deleted permanently from my consumer report. 
Moreover, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in all information they report. Any unverified or unauthorized inquiry violates this accuracy standard. 
Finally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation when a consumer disputes any portion of their file. If the disputed information can not be verified, FCRA 611 ( a ) ( 5 ) ( A ) compels the credit bureau to delete it permanently and forbids reinsertion unless certified as accurate.

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