vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 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: OH

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my 3rd attempt removing these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( duplicate entry ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 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: AZ

Complaint narrative:
Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).

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 2025-08-04 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Hard Inquiries Under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a consumer reporting agency may only furnish a report under specific, permissible purposes, and with the consumers authorization.

After reviewing my credit reports, I have identified the following inquiries that were not authorized by me and were made without my consent or initiation of a credit transaction : Inquiries to Be Removed : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries do not reflect any applications I submitted or authorized. If the original furnishers of these inquiries can not provide documented evidence of my written or verbal consent, then under FCRA 1681b ( c ) and 1681n/o, they must be considered unauthorized and removed.

Please note : I am not disputing inquiries from XXXX XXXX XXXX or XXXX XXXX XXXX, as those are connected to active, authorized accounts. 

I have also submitted a formal FTC Identity Theft Report to support this dispute and will provide it upon request. I respectfully request the following : 1. A full reinvestigation of the listed hard inquiries. 2. Immediate deletion of any inquiry that can n
ot be verified with proper documentation.

3. An updated copy of my credit report reflecting the removals.

4. Written confirmation of the outcome of this investigation.

Please respond within the 30-day period required by federal law under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-04 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: IL

Complaint narrative:
i looked at my credit report and i 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 should be accurate information

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>2025, Chime took {$70.00} from my account to repay a XXXX balance without giving me any notice. I didnt receive an email, text, or any in-app warning that this deduction would happen. 
As soon as I noticed the money missing, I contacted support through the Chime app, but the bot only told me to call their phone number. I called Chime Support at XXXX on [ XX/XX/scrub> 2025 ], and the agent I spoke to told me the deduction was irreversible and offered no explanation beyond that. 

I then attempted to get more information by sending a formal complaint through their support chat and asked for documentation of the MyPay terms I supposedly agreed to again, I was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
I am submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX * * * * * * Balance : {$4700.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$5400.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$3600.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3500.00} XXXX XXXXXXXX XXXX * * * * * Balance : {$930.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
I am submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX * * * * * * Balance : {$4700.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$5400.00} XXXX OF XXXX XXXX * * * * * * * * * * Balance : {$3600.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3500.00} XXXX XXXXXXXX XXXX * * * * * Balance : {$930.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-08-04 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: NY

Complaint narrative:
I discovered an account on my credit report under the name XXXXXXXX XXXX ( partial account # : XXXX ) that I did not open or authorize. I have no knowledge of this account, and it appears to be the result of identity theft. I am not responsible for this debt and did not sign any agreements related to it. 

Please investigate this immediately and remove it from my credit report under FCRA Section 605B. I am requesting that this account be permanently deleted and tagged appropriately as 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 2025-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/year>, I was charged {$640.00} on my Bank of America credit card for a hotel booking made through XXXX. The booking was non-refundable per the merchants terms. I submitted a dispute with Bank of America on XX/XX/year>, providing : Proof that the full charge of {$640.00} posted to my account A screenshot of Super.coms no-refund policy Confirmation from Super.com that no refund had been issued at that time Over the next XXXX months, I called Bank of America multiple times , often waiting XXXX minutes per call, only to be transferred or given contradictory explanations. Eventually, I escalated the issue to a manager, who stated that my dispute was invalid because I didnt purchase directly through the hotel and instead booked through a third-party platform. Later, they shifted their reasoning again, saying that because the transaction involved XXXX, the proof I provided was not acceptable even though the charge still posted directly to my Bank of America account. 

Because the bank refused to take action, I was forced to contact XXXX directly. After escalating on my own, I received a refund of {$490.00} from XXXX on XX/XX/year>. While this refund covered the booking amount, I was charged {$640.00} by Bank of America, leaving me with a remaining unreimbursed balance of {$150.00} that was never resolved by the bank. 

I am filing this complaint because : Bank of America mishandled my dispute from the start. Their representatives and manager shifted explanations, misapplied their own policies, and refused to accept valid documentation of the charge and merchant response. 

I am still out {$150.00}, the difference between what I was charged and what I was refunded, which Bank of America has never explained or reimbursed. 

I am requesting a full review of this transaction, reimbursement of the {$150.00} balance, and an investigation into how Bank of Americas dispute process failed to protect a customer of over XXXX years.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been locked out of my coinbase account for months due to the fact that I no longer have access to the XXXX app that I would use to complete a 2-step verification before logging into coinbase. They have a customer support page where you can go through an identity verification in order to log back in which involves taking a picture of government issued ID, and completing a live selfie check. For one reason or another, it ALWAYS fails and I am unable to verifiy my identity. 

Their support page only allows you to chat/call with a live rep. by XXXXXXXX XXXX. Their customer support number gives you a very limited series of options that NEVER allow you to get through to a rep. The support page refers you to the number, and then the number you call refers you back to the support page. Customers like myself are stuck in a loop. The ONLY respond I have gotten is through their Offical XXXX page, which is quite clearly XXXX  auto-generated responses. This is my money they are denying me access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute multiple charge-off entries listed on my credit report from XXXX XXXX XXXX, reported between XX/XX/XXXX and XX/XX/XXXX. 

These entries are inaccurate for the following reasons : XXXX. I was not properly notified of any impending charge-off or collection action on this account. 
XXXX. The same account appears to be listed multiple times, which negatively and unfairly impacts my credit score. 
XXXX. I believe this account may be fraudulent and was not authorized by me.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian investigate these entries and either remove or correct them based on your findings. If XXXX XXXX XXXX is unable to verify the accuracy and validity of these charge-offs with supporting documentation, they must be deleted from my credit file. 

Enclosed you will find a copy of my credit report with the accounts in question highlighted, along with a copy of my identification for verification purposes. 

Please complete your investigation within the XXXX period as required and notify me in writing of the results. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute multiple charge-off entries listed on my credit report from XXXX XXXX XXXX, reported between XX/XX/XXXX and XX/XX/XXXX. 

These entries are inaccurate for the following reasons : XXXX. I was not properly notified of any impending charge-off or collection action on this account. 
XXXX. The same account appears to be listed multiple times, which negatively and unfairly impacts my credit score. 
XXXX. I believe this account may be fraudulent and was not authorized by me.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian investigate these entries and either remove or correct them based on your findings. If XXXX XXXX XXXX is unable to verify the accuracy and validity of these charge-offs with supporting documentation, they must be deleted from my credit file. 

Enclosed you will find a copy of my credit report with the accounts in question highlighted, along with a copy of my identification for verification purposes. 

Please complete your investigation within the XXXX period as required and notify me in writing of the results. 

Thank you for your prompt attention to this matter.

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 2025-08-04 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: FL

Complaint narrative:
I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you.I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you.I recently pulled my credit report and notice multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my second attempt reporting these unauthorized inquiries. I need help getting them removed. Please and thank you. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( duplicate ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief