vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-23 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just purchased a car, XXXX XXXX XXXX from XXXX, with a capital ones auto loan about six weeks ago and on the contract my first payment was due today, XX/XX/XXXX. I have been contacting the auto finance department of capital one since yesterday and they tell me they see the contract but there is not yet an account created and so they keep telling me they will transfer me to people to help me figure out how to make my payment and every time I get hung up on. This happened about six times as, I said Ive been trying to figure it out since yesterday. I have been very polite and they only transfer me and hang up on me. I am concerned that a late payment will affect my credit report and Im trying to document that I have been trying to make a payment since yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX -XX/XX/XXXXXXXX FRAUDULENT INQUIRIES : 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
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: MD

Complaint narrative:
Checkr is reporting inaccurate and misleading information on my employment background report, which is preventing me from obtaining jobs. They are listing a Maryland traffic citation under statute TA.13.703.G ( Unauthorized Display and Use of Registration Plate ) as a criminal misdemeanor conviction, when it was actually a nonmoving traffic infraction with no fine, no accident, and no mandatory court appearance. The Maryland Judiciary Case Search shows it was a traffic citation only, not a criminal offense. The charge was resolved on XX/XX/scrub>XXXX with no penalties, as shown in my attached court documentation. I disputed this with Checkr and provided the court record, but they refused to correct it and stated it was accurate, despite the misleading classification and incomplete reporting. Because of this, I have been denied multiple job opportunities. I request that the CFPB require Checkr to reinvestigate and correct or remove this inaccurate entry in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Supporting evidence attached : Maryland Case Search record ( traffic disposition ) Checkr background report excerpt showing the incorrect misdemeanor classification. 

After filing cfpb they still say its accurate when I have gone to court house to verify and it was a non moving violation citation no points no charges I pre paid for it. My driving record is clean I have attached XXXX XXXX g with Maryland courts showing no points no charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I was terminated from my job and have been struggling to find new employment. My plan was to transfer funds in my 401k to a Traditional IRA and withdraw as needed to help stay on top of bills. After 2 weeks of trying to work with XXXX and waiting on a check that would allow me to transfer my funds out of my 401k and into a Traditional IRA, the funds were successfully deposited on XX/XX/XXXX. After waiting 6 days for my funds to become withdrawable, I requested a withdrawal of $ XXXX on XX/XX/XXXX. On XX/XX/XXXX I saw the withdrawal was still pending so I reached out to customer service who assured me the funds would be deposited 1-2 business days after the request was filed. However, instead of the funds being transferred to my savings account, the withdrawal requests was canceled. I reached out again to ask why it was canceled and was told I wouldn't be allowed to make any withdrawals within 30 days of the check being deposited. I informed the representative of my financial situation and was again told my funds would remain on hold and I still wouldn't be able to make any withdrawals within 30 days. I requested a callback from a manager or supervisor and was told one would reach out in 24 hours. That 24 hour window has come and gone and when I reached back out to customer service they told me I would receive a call in 1-2 days. I'm stressed, tired and fed up. I worked 4 years for those funds and I'm being told what I can and can not do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I have submitted a formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) to TransUnion, requesting that fraudulent, coerced, and identity theftrelated information be blocked and permanently removed from my credit file in accordance with federal law.

In collaboration with my authorized nonprofit advocate, I have exercised my rights under these federal laws and provided all required documentation, including : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address Despite compliance with these legal requirements, TransUnion has failed to fully remove, block, or correct fraudulent and coercion-based information that resulted from my trafficking and identity theft victimization. This inaccurate data continues to cause ongoing harm, including denial of credit, reputational damage, and financial instability, directly undermining my recovery and financial independence. 

The following information was added under coercion or through fraudulent use of my identity and must be permanently deleted and blocked under FCRA 605B and 605C : ADDRESSES TO DELETE : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these items resulted from coercion, identity misuse, or transactions I did not authorize, occurring during a period of XXXX XXXX XXXX TransUnion has an affirmative duty under federal law to block and delete this data once a certified victim determination and identity verification are provided. Failure to do so violates my rights as a consumer and victim protected under 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 2025-10-23 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: 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 : 1. 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. 
2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 : 1. 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. 
2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. 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 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AZ

Complaint narrative:
I ordered a cash app card from there app was charged XXXX but I never received the card .. I requested a refund but they said they can't refund me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX at around XXXX XXXX XXXX there were 13 charges done back to back on my debit card. The total of those charges was {$4500.00}. The company that drafted my account XXXX XXXX XXXX XXXX can not be reached. Ive called multiple times with it going immediately to this number is not taking calls at this time recording. I have never even heard of this company much less authorize them to take {$4500.00} out of my account. 
I have provided this info to Chime, my financial institution, and the the XXXX XXXX Sheriffs Department. I provided Chime with the police report also. Chime has declined my dispute 3 times now and they have not given me a single piece of documentation as to why it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I mistakenly sent XXXX XXXX ( XXXX XXXX XXXX to my Coinbase-provided XXXX deposit address. 
My Coinbase account received the associated XXXX " dust, '' which serves as irrefutable proof that Coinbase controls the private keys for this address. 
For over seven years, I have attempted to resolve this through Coinbase Support. They have repeatedly and falsely claimed they lack the " technical capability '' to perform a recovery. 
I filed a formal complaint with Coinbase. They failed to respond within their stated 45-day window. On XX/XX/XXXX, a support agent confirmed my case was delayed and committed to a final response within 7-10 business days.

That deadline has now passed with no response, constituting a second breach of their service commitment. 
Evidence from the asset issuer, XXXX, from a previous support interaction confirms that recovery is technically possible and that " Coinbase holds all the keys. '' Coinbase has been the sole blocker to resolving this issue. 

I have suffered a direct financial loss of nearly {$7400.00}, compounded by years of wasted time and the stress of dealing with a non-responsive and misleading support system. 


I request that the commission compel Coinbase to take one of two actions : Perform a manual recovery of the XXXX XXXX to a secure wallet address I provide. 
Release the private key for the specific deposit address so I can recover the funds myself, after which my Coinbase account can be closed. 
Coinbase 's refusal to act, combined with their procedural failures, demonstrates a breach of their custodial duties. I have exhausted all direct channels and require regulatory intervention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-23 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: TX

Complaint narrative:
Hi, I have raised a dispute with the XXXX XXXX XXXX XXXXXXXX merchant regarding a fraudulent transaction {$330.00}. They are robbers and XXXX  stealing cars from various places and asking ransom to release the stolen cars. They have stolen my car and duped and blackmailed me to release the same. 

Regarding this I have raised my provider bank Citibank however they have closed the dispute the unilaterally by supporting the merchant, Please initiate an inquiry against the Citibank as well as the fraud & criminal merchant.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Vehicle Lender : Mercedes Benz Financial Services MBFS authorized Vendor : XXXX XXXX XXXX subcontractor that handled vehicle/property pickup : XXXX XXXX XXXX XXXX  VIN : XXXX I retrieved my personal belongings from a XXXX XXXX XXXX XXXX XXXX  CA their XXXX is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. While I recovered some items, a large quantity of personal cosmetics, beauty products and my wife 's marriage ring ( everything valued at approximately {$4700.00} ) were missing. 


When I inquired, I was told that this company ( XXXX XXXX XXXX ) disposes liquids, creams, and powders. These items were my personal property... not perishable, not hazardous, and many were sealed and of significant value, inside of a small bag, which was inside of a large travel suitcase. 

I believe this constitutes negligence and violation of California Business and Professions Code 7507.9, which requires repossession agencies to inventory, store, and protect all personal effects for at least 60 days and only discard items that are clearly perishable or hazardous.. I was never notified or given the opportunity to retrieve them prior to disposal, which violates the repossession companys duty to inventory and safeguard personal property. The vehicle was repossessed on XX/XX/year> and I showed up XXXX hours later on XX/XX/year> with all of these items gone. Mercedes Benz is aware of this already and I will pursue damages in civil court to hold these vendors and subcontractors responsible for negligence and conversion of my personal property if not resolved promptly. 

I have also sent out a complaint via the Bureau of Security and Investigative Services

Company response to consumer: Closed with explanation