vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
I purchased a bathroom vanity from Wayfair. it arrived damaged. I contacted their live chat agent and they told me there was nothing they could do for me. That i could not return or get a refund. So, i opened a credit card dispute with Citi. I the meantime I found a different way to contact wayfair. They keep dragging things along trying not be involved between me and the manufacturer. Eventually they offered me 25 % off the purchase price. i emailed back asking for more off, so that i could have the damage pieces repaired and they rescinded their offer because of the open chargeback. They then told citi that i was outside the return window after they waited months to provide citi with information for the dispute. 

Citi closed the dispute in wayfair 's favor. leaving me with a damaged vanity and charging me for it and no way to return it.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
This issue started on XX/XX/XXXX. I am filing a complaint against Coinbase for restricting access to my funds despite advertising and promising instant availability. My money was deposited and should have been immediately accessible, yet Coinbase placed limitations or delays on my account without clear explanation, justification, or timely resolution. I contacted Coinbase support multiple times and received either generic responses or no meaningful assistance, leaving my funds inaccessible for an extended period of time. This directly contradicts XXXX representations to consumers and created unnecessary financial hardship.This is also a false business practice on their end. Also, my fund were said to be available on the day of the XXXX but are still not available. And, i was told i would be contacted by customer support to escalate this issue but was never contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my TransUnion credit report, I found a charged-off account, late payment, and several inquiries that I believe may be inaccurate or not properly authorized.

* * Charged-Off Accounts in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account shows a XXXX balance but is still reported as charged off. I am requesting TransUnion to verify the accuracy, ownership, and reporting status of this account. 

* * Inquiries in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing these inquiries and request verification that each was made with a valid permissible purpose. 

* * Late Payment in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the accuracy of this late payment reporting. 

I respectfully request that TransUnion investigate these matters and remove or correct any information that can not be verified 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
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am filing this complaint because Experian and TransUnion have refused to provide the valid documentation and verification required by law for the inquiries reported on my credit file. Despite multiple requests, both bureaus have failed to produce any legally sufficient proof, and they continue to report these inquiries without proper authorization or investigation. 

Their refusal to provide documentation is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681b Permissible purpose requirement for inquiries 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Additionally, the bureaus are not following the required Metro 2 Compliance Standards, which mandate accurate reporting and proper documentation of all inquiries. Their continued refusal to comply demonstrates negligence, willful misconduct, and a disregard for federal reporting guidelines.

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 2025-12-16 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: NY

Complaint narrative:
I am disputing the following accounts on my credit report with TransUnion. These accounts are reported as charged off, and I request a thorough investigation to verify the accuracy of the reported information. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$3100.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX, XXXX, XX/XX/XXXX, {$4000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$830.00} XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$420.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$340.00} XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX had a XXXX dispute that was denied several times finally got paid XX/XX/XXXX. After begging for a refund on dispute to cash app fee denied over again and again finally paid it in XX/XX/XXXX after losing my house truck and other personal items I cant get back. Per cash app terms and conditions would be no longer then 45 days no provisional credit was given cash took more than 45 days also violating the efta guidelines. Someone added their debit card to my account and withdrew money cash app should have secruity measures in place but didnt and I still dont think they do in XX/XX/XXXX someone added a card to my account not in my name and i chatted with cash app not one but 2 reps told me.to leave on their and then someone withdrew XXXX I settle because I need more for XXXX I sign agreement with that dispute not the XXXX dispute then I receive a threatening letter if I was to file any further complaints I would be sue. AGAIN BREAKING CONSUMER PROTECTION LAW WHEN CASH APP IS UNDER ORDER. I also had a rep tell me I dont have abritration on my account because it won't a investing account that was lie trying to deter me from escalating the dispute. I begged cash app in XXXX to refund my.money and they refuse I told them I was going to lose everything they told me it has been denied and no refund would be issue. Cash app needs to pay for my damages as they should have had secruity measures in place to prevent someone adding a debit card not in the card holders name. Customer service is still the same script emails dont know what they are talking about I sumbitted a complaint on XXXX  cash app never address the threat I received still breaking consumer protection laws because they dont respect authority thats why I gotten the threaten letter because cash app knows im jn the right and they dont want to take responsibility I have screenshots from the reps and the default judgement from the courts which i have uploaded for review.. I have medical issue that only allows me to use sensitive skin soap.lotions detergent not allow to use generic and they are not cheap I cant even afford that and I have been to the doctor 4 times now. I want my money for damages cash app cause this and needs to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am filing this complaint regarding unauthorized credit inquiries that have been reported on my credit file. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, and XX/XX/year>. These inquiries were not authorized by me, and their presence is negatively impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit inquiry must have my explicit consent before it is reported. Since I did not give consent for these inquiries, they are a violation of my rights and must be removed from my credit report immediately.

The continued presence of these unauthorized inquiries is unfairly affecting my ability to obtain credit and harming my financial standing. This also violates 15 USC 1681e ( b ) for not maintaining the maximum possible accuracy on the information which they 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 2025-12-16 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: WA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of a debit card billing dispute on my Chase checking account. 

On XX/XX/XXXX, I made a debit card payment to a merchant in the amount of {$1900.00}. Subsequently, on XX/XX/XXXX, I made XXXX additional debit card payments to the same merchant for a business formation service in the amounts of {$9300.00}, {$9700.00}, and {$9500.00}. On XX/XX/XXXX, I made another debit card payment to the same merchant in the amount of {$2800.00}. These payments were all made for an ongoing business formation service. 

Despite repeated follow-ups over an extended period of time, the service was never completed. Required filings and setup were not finished, and the merchant eventually stopped responding. As a result, the business formation service was unusable for its intended purpose. 

Once it became clear that the merchant was not going to complete the service, I filed a dispute with Chase. Chase initially issued provisional credits and proceeded with an investigation. However, Chase later reversed those credits and denied my claim solely on the basis that too much time had passed.

At the time the dispute was opened, Chase had access to the original transaction dates and all relevant timing information. Despite this, Chase issued provisional credits and conducted an investigation before later denying the dispute strictly due to timing. 

This matter involved an ongoing service, not a one-time product. I made good-faith efforts to resolve the issue directly with the merchant over time and did not know the merchant would ultimately fail to complete the service until communication stopped and deadlines were repeatedly missed. 

I am requesting that Chases executive resolution team review how this dispute was handled and provide a written explanation of the decision, including why provisional credits were issued and later reversed despite evidence that the service was never completed. I am also requesting any reconsideration or goodwill adjustment Chase deems appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I disputed a Credit Acceptance Corporation account with XXXX, XXXX, and XXXX. 
Despite my dispute, Credit Acceptance refused to provide debt validation and stated in writing that my account is not eligible for validation.

The credit bureaus claim the account was verified, but no proper verification or documentation has been provided. I am requesting that Credit Acceptance provide proof of the alleged debt, including the original contract, accurate balance, and complete payment history.

If Credit Acceptance can not properly verify this account, it must be removed from my credit reports in accordance with the Fair Credit Reporting Act.

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 2025-12-16 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Failure to provide full refunds including interest on optional add-on products, per CFPB enforcement action And other illegal action. 

On XXXX XXXX  often, it said i was approved for amount and interest. When i applied and approved all the numbers changed. They took title of truck, not in qualifying framework at all. Then added on many products and charged me. It seems like many laws were broken including the interest rates and calculation. It seems usury and lies told by staff like theres no one to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified collection accounts that continue to be reported on my credit file despite prior disputes. 

I disputed the accuracy and completeness of the following collection accounts with the credit reporting agencies. In response, the bureaus claim the accounts were verified by the furnishers ; however, no documentation or meaningful explanation of the verification process was ever provided. 

The accounts at issue include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$450.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Balance {$740.00} These companies continue to report the accounts without providing proof of : A valid consumer agreement or signed contract An itemized account history supporting the balances A lawful chain of assignment establishing ownership The credit reporting agencies failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i, relying instead on automated or cursory responses from the furnishers. This practice has been found legally insufficient by federal courts, including XXXX XXXX Trans Union and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I exercised my right under 15 U.S.C. 1681i ( a ) ( 7 ) to request the XXXX of XXXX. To date, no bureau has disclosed how these accounts were verified, what documents were reviewed, or whether verification was conducted manually or through automated systems such as XXXX 

The continued reporting of these accounts without proper verification constitutes ongoing publication of inaccurate and unverified information, in violation of the Fair Credit Reporting Act and CFPB guidance regarding reasonable investigations.

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 2025-12-16 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/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