vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
Subject : XXXX XXXX performed an invalid hard inquiry and refuses to provide FCRA verification letters to credit bureaus. 

Complaint : XXXX XXXX placed a hard inquiry on my credit report for Application ID XXXX, dated XXXX XXXX, even though they later stated in my adverse action letter that Applicants identity can not be verified. 

Under the FCRA, a creditor is required to verify a consumers identity before obtaining a hard inquiry on their credit file. If they can not verify identity, the inquiry is considered invalid. 

I provided XXXX XXXX with official identification ( passport and Social Security card ), yet they still refused to verify my identity. I requested the required FCRA identity non-verification letters confirming that they could not verify my identity, and that the inquiries must be removed from all credit reporting agencies, including XXXX XXXX  TransUnion, and XXXX. XXXX XXXX refuses to provide these letters and has not corrected their error. 

Because XXXX XXXX refuses to issue these letters, the credit reporting agencies also refuse to remove the invalid hard inquiries. I already sent certified mail disputes to XXXX XXXX, TransUnion, and XXXX, but they require proof from XXXX XXXX. 

I am requesting that the CFPB require XXXX XXXX to : 1. Provide written letters stating that they could not verify my identity for XXXX ID XXXX. 
2. Notify XXXX XXXX  TransUnion, and XXXX to delete the invalid hard inquiries. 
3. Correct any inaccurate information related to this application. 

This situation has caused harm to my credit profile, and XXXX XXXX is not complying with their obligations under the FCRA. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
Subject : XXXX XXXX performed an invalid hard inquiry and refuses to provide FCRA verification letters to credit bureaus. 

Complaint : XXXX XXXX placed a hard inquiry on my credit report for Application ID XXXX, dated XXXX XXXX, even though they later stated in my adverse action letter that Applicants identity can not be verified. 

Under the FCRA, a creditor is required to verify a consumers identity before obtaining a hard inquiry on their credit file. If they can not verify identity, the inquiry is considered invalid. 

I provided XXXX XXXX with official identification ( passport and Social Security card ), yet they still refused to verify my identity. I requested the required FCRA identity non-verification letters confirming that they could not verify my identity, and that the inquiries must be removed from all credit reporting agencies, including XXXX Equifax, XXXX and XXXX. XXXX XXXX refuses to provide these letters and has not corrected their error. 

Because XXXX XXXX refuses to issue these letters, the credit reporting agencies also refuse to remove the invalid hard inquiries. I already sent certified mail disputes to XXXX Equifax, XXXX and XXXX, but they require proof from XXXX XXXX. 

I am requesting that the CFPB require XXXX XXXX to : 1. Provide written letters stating that they could not verify my identity for XXXX ID XXXX. 
2. Notify XXXX EquifaxXXXX XXXX, and XXXX to delete the invalid hard inquiries. 
3. Correct any inaccurate information related to this application. 

This situation has caused harm to my credit profile, and XXXX XXXX is not complying with their obligations under the FCRA. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Formal Complaint : Unlawful Restriction of Funds, Direct Contradiction by Compliance, and Financial Harm. Coinbase XXXX XXXX : # XXXX. 
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint after exhausting Coinbase 's internal formal complaint process, which was formally dismissed on XX/XX/year> ( Case # XXXX ). The decision is demonstrably false and harmful. 
XXXX. Proof of XXXX XXXX : My account was restricted due to an alleged bank overdraft on XX/XX/year>. My XXXX XXXX bank statement ( attached ) proves that the issue was immediately rectified, and the final daily balance on XX/XX/XXXX was positive. The restriction is thus maintained without valid financial risk. 
XXXX. Direct Contradiction by Coinbase Compliance ( KEY ISSUE ) : The Coinbase Complaints Analyst ( XXXX XXXX formally stated that I " can still access [ my ] account to sell, trade, or withdraw [ my ] assets. '' This is factually false. The current status of my account shows that the XXXX Send/Withdrawal function is permanently disabled ( " Unable to send crypto? " ). Coinbase has provided a false resolution in their official complaint response. 
3. Financial Harm & Military Service : The sustained restriction on crypto withdrawals forces me to liquidate my assets for fiat at a loss if I require liquidity, which constitutes a direct financial injury. This delay has been compounded by my active service as a XXXX XXXX member at sea.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
WHY DID YOU TAKE AWAY THE ABILITY FOR ME TO ALLOCATE MY PAYMENTS TO WHERE I WANTED THEM ONLINE WITHOUT HAVING TO CALL YOUR YOUR phone number and sit on hold for an hour with your customer service reps that dont care about customers?!?! WHY?! It doesnt even make sense. Been a loyal BB cardholder for almost XXXX years and this change, which is very clearly a ploy to make it more difficult for your customers to apply payments accordingly so YOU can manipulate payments to deferred financing plans years away before more recent ones that are going to expire, essentially scamming your customers into paying the deferred financing charges, is DISHONEST, DISGRACEFUL, and utterly DISGUSTING. I for one will not spend my money with unethical companies like you and I hope others read this and are made aware and share this with others, keeping them away from a company that wants to intentionally make it harder on them so YOU CAN BENEFIT. I have contacted customer service 3 times regarding this and every time am given a cookie cutter answer without answering. Scamming people

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The debt was XXXX by the creditor. 

If a creditor writes off or forgives a debt not bankruptcy, but creditor discharge then : They can not collect it They can not sell it They can not report it as owed They can not assign it to collections This is backed by : FDCPA 807 ( 2 ) ( A ) Prohibits misrepresenting the legal status of a debt. 

FCRA XXXX ( a ) Prohibits furnishing information known to be inaccurate. 

Case Law That Supports This Here are the strongest cases : -- - XXXX XXXX XXXX Funding ( XXXX ) XXXX can not pursue debts they have no legal right to. 
If a creditor XXXX the debt ( not bankruptcy ), collecting becomes false representation. 


XXXX XXXX XXXX v. M.N.S. & XXXX ( XXXX Cir. XXXX ) XXXX buyers must have legal ownership before collecting. 

If the debt was XXXX by original creditor buyer has no legal ownership. 


XXXX XXXX XXXX XXXX XXXX ( Supreme Court, XXXX ) Only debts that are legally owed XXXX be collected. 
If XXXX by creditor no longer legally owed. 


-- - XXXX v. XXXX ( XXXX Cir. XXXX ) A collector violates federal law by trying to collect a non-existent or legally unenforceable debt. 

A creditor discharge can render a debt legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am writing in response to your request to verify my identity in connection with my identity theft report. As requested, I am providing the following documentation to confirm my identity and verify my address. One copy of a government-issued identification card ( e.g., drivers license/state ID ). One copy of a recent utility bill/bank statement/insurance statement to verify my current address.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
I bought a stock in XXXX XXXX XXXX months ago. It was $ XXXX so I spent {$250.00} on it. That was it. I NEVER agreed to anything else. 

For the last 2 months Robinhood has charged me {$10.00} without my consent, and I can not find any way to file a complaint on the app, nor even stop this from happening again. It has now STOLEN {$20.00} from me which gives me legal grounds to XXXX, which I will do if I'm not refunded with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-02 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: TN

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

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 2025-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-02 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had two fraudulent charges on my card. The first happened on XX/XX/XXXX. I notified Bank of America immediately after I saw it via fraud department and requested for a new card/new card number and to dispute this charge. They informed me there were no other transactions on the card. Then, I saw another charge on XX/XX/XXXX come through. I have contacted Bank of America multiple times and they have not resolved this issue. With zero explanation they recharged the amount of {$410.00} back to my card. This transaction was not made by me and needs to be taken care of by Bank of America.

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 monetary relief
Consumer complaint received 2025-12-02 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: AL

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

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 2025-12-02 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: MD

Complaint narrative:
These unauthorized inquiries on my credit report by several companies have directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Unfair Denial of Claim - Service Not Received & Merchant Authorized Refund ( Case : XXXX ) XXXX. The Transaction Issue : I signed up for a trial service via the XXXX XXXX XXXX for an app called " XXXX. '' I was unexpectedly charged {$390.00}. Crucially, despite this successful charge, I never received the service. The premium features were never activated on my account, meaning I paid {$390.00} for absolutely nothing. 

2. The Catch : I requested a refund from XXXX ( the billing agent ), but they denied it based on internal policies. I then contacted the actual Service Provider ( XXXX ) directly. 
The Service Provider confirmed in writing that the service was not rendered.

The Service Provider explicitly agreed to the refund.

The Service Provider stated they can not process the refund technically because XXXX controls the billing gateway, and instructed me to " ask [ my ] bank to reverse this transaction ''. 

3. PayPals Failure to Investigate : I filed a dispute with PayPal XXXX XXXX XXXX XXXX XXXX providing the clear written evidence from the Service Provider authorizing the refund. 
PayPal rejected my claim, stating the transaction was " processed correctly. '' I appealed and provided the evidence again. 
PayPal rejected the claim a second time.

4. The Violation : PayPal is allowing a billing agent ( XXXX ) to retain funds for a service that was never received and for which the actual merchant has authorized a return. By ignoring the Service Provider 's written instruction to reverse the transaction, PayPal is failing to protect the consumer and is facilitating the retention of funds for a non-rendered service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am submitting this complaint because I have been unable to open a checking account with multiple financial institutions. Each bank has informed me that my application can not be approved, but I have not been provided with a clear explanation or any documentation specifying the reason for the denial. 

I have attempted to open an account at the following institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and many more. 

Each institution stated that my application was declined due to information from a consumer reporting agency ( such as ChexSystems, XXXX XXXX XXXX, or internal risk reviews ). However, I have not received any adverse-action notices or copies of the reports used to make the decision, which I am entitled to under the Fair Credit Reporting Act ( FCRA ).

I am requesting the following : 1. A clear explanation of why I am unable to open a checking account ; 2. A copy of any consumer report or information used to deny my applications ; 3. Correction of any inaccurate or fraudulent information that may be preventing me from opening an account ; 4. Assistance ensuring that banks comply with notice requirements under the FCRA. 

This issue is causing significant hardship because I can not access basic banking services. I am asking the CFPB to investigate and help resolve this matter. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation