vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-05 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
This company sent me a letter saying that I owe them the amount of XXXX cents. I don't know who they are. I never signed anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
on XXXX at XX/XX/year> I withdrew {$49000.00} from my Coinbase account to my XXXX  XXXX XXXX account. I only received {$48000.00} and I was charged a fee of {$860.00}. I did NOT authorize this ridiculous transfer fee, and I did not need these funds urgently. There is no reason I would even authorize this transaction because as a Coinbase XXXX member, I also get free wire transfers, so there would be no reason for me to pay {$860.00} for an instant transfer. 

I created XXXX support cases through the Coinbase helpdesk : # XXXX # XXXX # XXXX But they refused to help me and give me a refund, even if I send the funds back to my coinbase account. 

I also reached out to XXXX XXXX XXXX, the receiving bank, and they said they are not responsible, Coinbase is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: WV

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts reported by Experian. I respectfully request verification or removal if these accounts can not be fully verified. 

CHARGED OFF Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-05 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: WA

Complaint narrative:
I am writing to dispute certain information on my credit reports provided by the credit bureaus. Below are the details of the accounts in dispute. I respectfully request that these accounts be reviewed for accuracy and corrected as necessary. If any information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

TransUnion ( TU ) CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Account appears as a collection with a balance of {$0.00}. Please remove from report as there is no balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-11-05 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IA

Complaint narrative:
I opened this account in XXXX ; I have not had access ( app or debit card ) since XXXX. I honestly forgot about this account until my girlfriend ( who has Chime ) wanted to get a referral bonus from Chimes referral program. So, I used her code to set up an account but could not complete the process because the system said I already had an account. I could Chime customer service to gain access to that account. I talked to a rep, he asked me questions to determine I was who I said I was, e.g. name, birthday, current address and phone number. He also asked me for my old address and number and said what I gave him did not match but he updated them anyways. Asked if I had a drivers license or an ID, which I said yes but he never asked me to provide it in order for him to restore my access to the account. 
I gained access and log into the Chime app. Once I logged in I noticed I had a balance of {$12.00}, so I checked the account page and to my surprise I see transactions from XX/XX/XXXX through XX/XX/XXXX. I immediately call chime back to ask them about it. I told them that these transactions were not done by me not authorized by me and I have no knowledge of these. So, they started XXXX seperate disputes ( around {$900.00} ) on my account. The first result of their investigation was received yesterday XX/XX/XXXX. I received an email that they determined no error was made in this transaction. I responded in an email by asking them how they can conclude that when I have not access to this account in any way since XXXX. I had also asked where they sent a debit card that was requested on XX/XX/XXXX, and delivered on XX/XX/XXXX. I told them I need this information so I can file a police report. 
Today XX/XX/XXXX, I received an email stating that they would be closing my account. They specified no reason. I called customer service and they could give me no reason why they were closing the account. Closing my account means they will not finish my disputes according to the rep. So I will be out the money as well as losing the account. I asked again for the address where they sent the card. They refused to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am disputing a collection account reported by Credence Resource Management related to XXXX for {$1400.00}. The account is reporting as opened XX/XX/year>. I dispute accuracy, ownership, and compliance with federal reporting standards. 

Credence has failed to provide legally sufficient validation prior to furnishing this information to XXXX XXXX required under : FCRA 623 ( a ) duty to ensure maximum possible accuracy FCRA 1681s-2 ( b ) duty to reasonably investigate disputes FCRA 1681e ( b ) accuracy standard FCRA 1681i reinvestigation requirement FDCPA 809 ( b ) validation requirement CFPB Regulation F substantiation requirement before collection Credence has not produced : Original XXXX  XXXX contract or electronic signature certificate Proof of identity authentication at origination ( IP logs, device match, etc. ) Full billing records and usage history Complete ledger showing itemization from {$0.00} {$1400.00} Proof of assignment/ownership of this specific account ( not a generic sale file ) Notice of right to dispute prior to reporting as required by FDCPA Date of first delinquency ( DOFD ) source documentation Internal database summaries do not constitute legal validation. Documentary evidence is required. 

Requested relief : 1. Require Credence to produce all substantiating documentation listed above ; 2. If they can not produce it, delete the tradeline in full under FCRA 1681i ; and XXXX. Confirm Credences compliance with Regulation F substantiation requirements. 

I am asserting my right to full documentation and accuracy not admitting liability. 

Credence must provide actual validation or the item must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am submitting this complaint because [ Experian / TransUnion ] is continuing to report inaccurate information on my credit file, even after XXXX  verified and corrected the same account through a CFPB investigation. 

On XX/XX/year>, Equifax completed a CFPB investigation regarding my XXXX XXXX account and confirmed : The account is Paid as Agreed, with no late payments. 
Historical account data was corrected. 
The duplicate or prior XXXX XXXX entry is no longer reporting. 

Despite this verified resolution, [ Experian / TransUnion ] continues to report inaccurate or outdated information for this same furnisher. 
I am requesting that CFPB ensure [ Experian / TransUnion ] updates or deletes this account to reflect the verified Equifax correction, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 and the requirement for accurate and consistent credit file reporting across all consumer reporting agencies.

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 2025-11-05 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-11-05 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: KS

Complaint narrative:
I am a consumer disputing inaccurate or incomplete information reported on my credit file. Below are the accounts I am disputing with Experian : Charged Off XXXX XXXX : Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$1000.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount : {$430.00} XXXXXXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$1500.00} XXXX XXXX : Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$2000.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$1400.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Amount : {$840.00} Inquiries XXXX  : Date : XX/XX/XXXX XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX XXXX XXXX : Date : XX/XX/XXXXXXXX XXXX XXXX : Date : XX/XX/XXXXXXXX XXXX XXXX : Date : XX/XX/XXXX XXXX XXXX  : Date XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXXXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account ending in 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 explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
These accounts should not appear under my name ; delete them in 15 days under USC 1681g.

Company response to consumer: Closed with explanation