vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
I am submitting a complaint to formally dispute XXXX inquiries listed on my credit report that I did not authorize and for which I did not apply for credit. The inquiries in question are : XXXX XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Upon careful review of my credit file, I discovered that these inquiries were added without my consent. I did not initiate any credit applications with either of these institutions, nor did I authorize them to access my credit report. The reporting of these inquiries is therefore inaccurate, misleading, and violates my rights as a consumer under federal law. 
Unauthorized inquiries directly violate several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 619 15 U.S.C. 1681q mandates the accuracy of all consumer credit reporting and prohibits reporting information that is not properly authorized. Furthermore, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) requires that every access of a consumers credit file have a permissible purpose, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) establishes that a consumer must provide explicit consent before an inquiry is made. Because I did not provide such authorization, these inquiries are unauthorized and unverifiable, and must be permanently removed. 
The presence of these unauthorized inquiries has caused tangible harm, including unjustly lowering my credit score, creating challenges when applying for credit, and causing significant stress and concern regarding my financial integrity. Even a single unauthorized inquiry can negatively impact a consumers creditworthiness, and in this case, the impact is compounded by XXXX simultaneous unauthorized inquiries. Their continued reporting is a misrepresentation of my true credit history and places an unfair burden on me as a consumer.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: IA

Complaint narrative:
XX/XX/year> XXXX They told me they will get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with wells fargo, I had 7 transactions, one on XX/XX/year> for {$170.00} two on XX/XX/year> for a total of {$320.00}, one on XX/XX/year> for {$53.00}, two on XX/XX/year> for a total of {$160.00}, and one on XX/XX/year> for {$74.00}, totaling to {$780.00}. 
I filed this claim with wells fargo after seeing these transactions, they were unauthorized by me. My claim was reviewed and denied. I called their claims office to try and resolve this/ see why, they told me to call the merchant to try and get my money back from them. The merchant said in a text message to me, " contact your credit card company to dispute the charges. someone is using my business name to hack and use peoples credit cards ''. I have sent this in an email as proof to wells fargo claims email. its been about 3 business days, 10 since i made the first claim, and im still without almost {$800.00} that i need to survive off of. I read that normally they would send me credit at least to cover for it while it is being investigated, but i have yet to receive that either.

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 2025-11-06 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: NV

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I disputed the {$1500.00} transaction from Coin base, because I honestly dont remember making that transaction. Coin base took out the {$1500.00} on XX/XX/year>. Then they turned around and seized my XXXX of XXXX and XXXX of a XXXX and demanded I pay another {$360.00} or my account will stay frozen. I have lost a lot of money on Coin base and now they are trying to charge XXXX twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit 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: Zip Co US Inc.
State: NE

Complaint narrative:
I am a Nebraska resident filing this complaint against Zip XXXX XXXX XXXX XXXX XXXXr failing to respond to my dispute over an undelivered order. On XX/XX/year>, I purchased a " XXXX XXXX XXXX XXXX - XXXX '' for {$190.00} from XXXX ( XXXX Order # XXXX, email : XXXX ) using Zip. XXXX was promised in XXXX days ( XXXX XXXXXXXX XXXX XXXX  to my temporary work address in Florida ( XXXX XXXX XXXX XXXX XXXX, Florida ) XXXX but no item arrived. By XXXX, the merchant 's websitXXXX XXXX XXXX XXXX became unavailable ( " This store is unavailable '' error ). 

I filed a dispute with Zip for non-delivery shortly after, but as of XX/XX/year>, Zip has not responded, investigated, or refunded my {$190.00}. This lack of action XXXX violate consumer protection rules for XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX  driver 's license ( address : XXXX XXXX XXXX, XXXX, XXXX XXXX ) and was working in XXXX  at the time. Please require Zip to resolve this promptly. I've attached evidence : order confirmation, site error screenshots, payment proof, and Zip dispute submission details. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to you with deep concern regarding several accounts on my Equifax, Experian and TransUnion credit report that have been inaccurately reported as having late payments, despite my consistent efforts to maintain timely payments and financial responsibility. After a thorough review of my credit file, I noticed that multiple open accounts are showing late payments that do not align with my actual payment history or the data reflected by the other credit bureaus. These discrepancies are not only misleading but also unfairly damaging my credit profile, which directly affects my credibility as a consumer. I am requesting a full reinvestigation of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611 ( 15 U.S.C. 1681i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
My XXXX account was closed on XX/XX/year>, with a balance of {$25000.00}. Robinhood informed me that the funds would be refunded to my linked XXXX XXXX  account. However, as of today, the refund has not been processed or received, and I have not been given a clear timeframe or confirmation. 

This delay is creating a serious hardship for me, as I urgently need access to these funds to cover ongoing medical expenses. I have repeatedly contacted Robinhood Support for clarification, but their responses have been vague, and no definitive date for refund has been provided.

I am requesting the CFPBs assistance to ensure that Robinhood immediately releases the funds to my verified XXXX XXXX  account. I have complied with all their requirements, and there are no unsettled trades or outstanding issues with my account. 

I respectfully ask for your urgent review, as this delay is directly impacting my ability to pay for essential medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to submit a second-round dispute regarding inaccurate late payment entries reported on my Equifax, TransUnion and Experian credit file for the account listed as XXXX XXXX XXXX Account XXXX. XXXX. I previously disputed these errors, but the results of your initial reinvestigation failed to correct the inaccuracies or provide adequate verification as required under the Fair Credit Reporting Act ( FCRA ). Because the information remains incorrect, I am requesting that Equifax, TransUnion and Experian conduct a further, more thorough reinvestigation in compliance with FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681e ( b ), 1681i ) to ensure maximum possible accuracy of the data reported.

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 2025-11-06 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XX/XX/XXXX balance {$0.00} XXXX XXXXXX/XX/XXXXbalance {$0.00}XX/XX/XXXX balance {$490.00} XX/XX/XXXXbalance {$0.00} XX/XX/XXXX balance {$0.00}XX/XX/XXXX balance {$2600.00} XX/XX/XXXX balance {$0.00} XX/XX/XXXX balance {$800.00}XX/XX/XXXX balance {$0.00}XX/XX/XXXX BANKXX/XX/XXXX balance {$1300.00} XX/XX/XXXXbalance {$0.00}XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX * * * balance {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX balance {$760.00} XXXX XXXX XXXX XXXXXX/XX/XXXXbalance {$1500.00} XX/XX/XXXXXXXX Bankruptcy ReferenceXX/XX/XXXXbalance {$760.00} XXXXXX/XX/XXXX balance {$1500.00} XX/XX/XXXX balance {$1500.00} XXXX XX/XX/XXXXbalance {$1300.00} XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XX/XX/XXXX balance {$0.00} XXXX XXXXXX/XX/XXXXbalance {$0.00}XX/XX/XXXX balance {$490.00} XX/XX/XXXXbalance {$0.00} XX/XX/XXXX balance {$0.00}XX/XX/XXXX balance {$2600.00} XX/XX/XXXX balance {$0.00} XX/XX/XXXX balance {$800.00}XX/XX/XXXX balance {$0.00}XX/XX/XXXX BANKXX/XX/XXXX balance {$1300.00} XX/XX/XXXXbalance {$0.00}XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX * * * balance {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX balance {$760.00} XXXX XXXX XXXX XXXXXX/XX/XXXXbalance {$1500.00} XX/XX/XXXXXXXX Bankruptcy ReferenceXX/XX/XXXXbalance {$760.00} XXXXXX/XX/XXXX balance {$1500.00} XX/XX/XXXX balance {$1500.00} XXXX XX/XX/XXXXbalance {$1300.00} XX/XX/XXXXXX/XX/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 2025-11-06 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple items on my credit report and to request their permanent deletion. Upon careful review, I have identified inaccurate addresses, a charged-off account, and an unauthorized inquiry that are currently misrepresenting my credit profile. These items have caused confusion, undue stress, and tangible harm to my financial standing, and I am exercising my rights under federal law to ensure they are removed permanently rather than simply corrected. 
The first item in dispute is an inaccurate address listed as XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. This address does not reflect my actual residence and has no legitimate connection to me. Reporting false address information is not only misleading but also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a complete and accurate reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which obligates furnishers to ensure the accuracy of information they provide, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates that all information reported is as accurate as possible. Because this address can not be verified as accurate or tied to me, I demand that it be permanently removed from my credit report. 
The second item in dispute is a charged-off account, XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$130.00} ) XXXX XXXX. This account has been reported inaccurately and can not be substantiated with proper documentation. The reporting of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B, and 15 U.S.C. 1681c-2, which allow for the permanent blocking of unverifiable or false information. The presence of this account on my report has a direct negative effect on my credit profile, making it harder for me to access loans and financial services. Because the account can not be verified as accurate, I request that it be permanently deleted. 
Lastly, I dispute the unauthorized inquiries XXXX XXXX  ( XX/XX/2025 ), XXXX XXXX  ( XX/XX/2025 ) and XXXX XXXX  ( XX/XX/2025 ). I did not authorize this inquiry, nor did I apply for credit with this entity. Unauthorized inquiries are a serious violation of my consumer rights and also negatively impact my credit score. Reporting unauthorized inquiries violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). Because I did not provide consent, this inquiry must be permanently removed from my credit report to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 


XXXXXXXX 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 2025-11-06 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: NC

Complaint narrative:
Equifax LLC business did not correct this matter with XXXX XXXX  account I have told them multiple times to remove this account they only remove XXXX of XXXX XXXX  account it's was XXXX of the same accounts reporting on my credit report file they had made a error towards this account they also volited my civil rights codes is 1681i Usc and 625 Usc and 1693 Usc if y'all do not remove XXXX XXXX  XXXX will make sure that's on who y'all responsible for damage my credit file. and get sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CT

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX Section XXXX and Section XXXX, I have the right to privacy and no consumer reporting agency may furnish my report without my written consent. The following hard inquiries were not authorized by me and were made without my knowledge or written instruction : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These unauthorized inquiries appear on Experian, TransUnion, and Equifax. I am requesting their immediate removal and written confirmation once deleted.

Company response to consumer: Closed with explanation