vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts, they are hurting my abilities to obtain credit.

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 2025-09-16 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:
I am filing this complaint against TransUnion for reporting inaccurate late payments on a closed account. The account ending in XXXX XXXX XXXX XXXXXXXX is being reported with late payment notations by TransUnion, even though the account is closed/paid. Neither XXXX  nor XXXX  are reporting these alleged late payments, which proves the information is inconsistent, misleading, and inaccurate. 

This is a violation of : FCRA 1681e ( b ) TransUnion must ensure the maximum possible accuracy of information in consumer reports. Reporting late payments on a closed account, when the other bureaus do not report them, is inaccurate and misleading.

FCRA 1681i ( a ) TransUnion is required to conduct a reasonable reinvestigation of disputed information. Simply marking the account verified through an automated e-OSCAR code without reviewing actual documentation is not compliance, as confirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA 1681i ( a ) ( 5 ) ( A ) If TransUnion can not verify the accuracy of these late notations with documentation, it must delete or correct them, not continue publishing false data. 

I have attached proof showing that XXXX  and XXXX  do not report these late payments, while TransUnion continues to misreport. This inaccuracy harms my creditworthiness and is a clear violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This is your final notice. If you can not validate with documentary evidence reviewed by a human, the only lawful outcome is deletion.

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 2025-09-16 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: MD

Complaint narrative:
This is my final and formal dispute regarding the XXXX XXXX  account you are reporting. I have attached copies of my credit reports as proof. Your reporting is internally inconsistent and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
I XXXX XXXX am filing a formal complaint against Cash App ( Block , Inc. ), which is licensed as a money transmitter in both Alabama and California under the Money Transmitter Act. 
On Friday XX/XX/XXXX, Cash App suspended my account citing " suspicious activity. '' Since then, I have been unable to withdraw my remaining balance of {$320.00} in my cash balance and {$5.00} in my savings account. despite repeated attempts to resolve the issue with their support team.

As a licensed money transmitter, Cash App is bound by the Money Transmitter Act, which clearly requires that a licensed entity not withhold consumer funds for longer than XXXX hours under any circumstance. By holding my funds beyond this period, Cash App has directly violated the terms of their license agreement with your office. 
This ongoing withholding of my funds has caused me financial hardship and demonstrates non-compliance with state law. I respectfully request that your office investigate this matter, enforce the obligations of the Money Transmitter Act, and compel Cash App to release my funds immediately. I have contacted the attorney general in Alabama and California and any help from yall would be greatly appreciated also. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So my friend and her boyfriend are from XXXX, but live in XXXX. They came out here to visit hes sick and has a hard time getting up and getting around so he had some stuff happening to him at work. He got a settlement check. It wasnt huge. It was like {$700.00} and she asked me if I could cash it for him. I called Navy Federal and asked them if they would accept a third-party check from my friend. Its her boyfriend and I trust them and they told me yes they would do a third-party check that I could deposit it into the ATM if I wanted to, or I could bring it into the bank with him. I explained that the guy didnt have an ID that it was back in XXXX  XXXX They drove out here and they told me to just deposit it. So I did and Now there is a hold on the check I can not access my account. I can not login. I can not use any money that was in there before I can not use my debit card. I can not do anything, and they will not give me the money until he comes into the bank with me I brought him into the bank, but he doesnt have ID so they wouldnt do anything. They are leaving for XXXX  tonight. Keep asking me about the money and its been like a week so far, Ive given them some of the money that I had of my own. I asked the lady tonight I said when they get back to XXXX, they can go to the bank. He will have his ID and the lady informed me there was not a bank at least least XXXX miles around or even in that state, so what am I supposed to do? I need to have my account back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint again regarding inaccuracies that remain on my credit file, despite my prior disputes. After reviewing my report carefully, I found several items that do not reflect my financial history and are causing harm to my creditworthiness. 
XXXX of these items is a late-closed account with XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a XXXX balance. The reporting of this account is inaccurate and does not reflect the proper status or closure. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain information with maximum possible accuracy. Furthermore, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides me the right to dispute inaccurate information and require a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) holds furnishers accountable for reporting accurate information. Because this account does not meet these requirements, it must be removed from my credit report. 
Additionally, there is a collection account with XXXX XXXX XXXX, account number XXXX * * *, showing a balance of {$360.00}. This account is reported inaccurately and without proper verification. Reporting a collection without verification violates Section 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). I am requesting this collection account be removed unless proper validation can be provided. 
Finally, my report contains multiple inquiries that were not authorized, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The inclusion of these inquiries violates FCRA 619 15 U.S.C. 1681q, which prohibits obtaining information under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which restrict access to consumer reports to permissible purposes only. Since these inquiries were not authorized, they must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
I am filing a complaint again regarding inaccuracies that remain on my credit file, despite my prior disputes. After reviewing my report carefully, I found several items that do not reflect my financial history and are causing harm to my creditworthiness. 
XXXX of these items is a late-closed account with XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a XXXX balance. The reporting of this account is inaccurate and does not reflect the proper status or closure. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain information with maximum possible accuracy. Furthermore, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides me the right to dispute inaccurate information and require a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) holds furnishers accountable for reporting accurate information. Because this account does not meet these requirements, it must be removed from my credit report. 
Additionally, there is a collection account with XXXX XXXX XXXX, account number XXXX * * *, showing a balance of {$360.00}. This account is reported inaccurately and without proper verification. Reporting a collection without verification violates Section 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). I am requesting this collection account be removed unless proper validation can be provided. 
Finally, my report contains multiple inquiries that were not authorized, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The inclusion of these inquiries violates FCRA 619 15 U.S.C. 1681q, which prohibits obtaining information under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which restrict access to consumer reports to permissible purposes only. Since these inquiries were not authorized, they must be removed from my credit file.

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 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of multiple accounts that are being reported as charge-offs. Several of these accounts reflect questionable balances, inconsistencies, or {$0.00} balances while still showing derogatory charge-off status.For XXXX XXXX the account reflects a {$0.00} balance but is still coded as charged off, which is misleading and damaging.For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , the balances reported do not match my records, and no proper validation has been provided to confirm the accuracy of these amounts.Reporting these as charge-offs without full verification results in inaccurate and unfairly harmful reporting, lowering my creditworthiness and creating barriers to obtaining fair credit, housing, or other financial opportunities. 
Under federal law, furnishers are obligated to ensure that the information they report to consumer reporting agencies is accurate, complete, and verifiable. Continuing to publish unverifiable charge-off data constitutes noncompliance with those obligations.

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 2025-09-16 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: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite having received all required documents, TransUnion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). 
Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit report. These accounts were opened without my knowledge and used to open several 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 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 non-monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: PA

Complaint narrative:
BMG Money has reported late payments on my account that are inaccurate some months I paid on time. I previously disputed these late payments with both BMG Money and XXXX. 
XXXX responded that they are only a third-party reporting company and did not correct the inaccurate late payments. 
BMG Money locked me out of my account and stopped responding after I requested documentation showing proof of the months they reported as late. 
BMG Money is taking payments directly out of my paycheck ( payroll allotment ) as previously agreed. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), credit reporting agencies must investigate and correct inaccurate information. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debt collectors must provide verification of debt upon request. BMG Money has failed to provide verification, and XXXX has failed to correct the inaccurate late payments. 

I am requesting : 1. BMG Money provide full verification/documentation for the reported late payments.

2. If verification can not be provided, all inaccurate late payments be removed from my credit report. 
3. XXXX update my credit report to reflect accurate payment history.

4. Written confirmation from both BMG Money and XXXX that corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts, they are hurting my abilities to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Im asking Credit Management CO and XXXX  to delete any information which is inaccurate or incomplete so it doesn't get reported in my report! It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report, The information in my credit report is wrong! It was never proven to be factual.The following account allegations are untrue, unverified and incorrect. Please remove them immediately! Below is a summary of the data in which I am challenging : Credit Management CO {$650.00}. I already challenged XXXX and they closed it, and now your company reports this innacurate information again? Im going to upload all the proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/2025 at approximately XXXX XXXX, I executed a transaction on Coinbase to purchase XXXX XXXX. Coinbase prominently advertised that by signing up for the free trial of Coinbase XXXX, I would receive XXXX trading fees ( up to $ XXXX ). Relying on that advertisement, I immediately signed up for the trial while completing the transaction. 
Despite this, I was charged a {$100.00} trading fee on the same transaction. Coinbase demonstrated features of Coinbase XXXX in the app prior to the transaction and sent me a confirmation email welcoming me to Coinbase XXXX the same evening, explicitly promoting XXXX trading fees. 
I contacted Coinbase support and spent over XXXX hours with multiple agents. They admitted the transaction and Coinbase XXXX sign-up happened at the same time, but refused to refund the fee, claiming their system did not fully confirm the trial in time. Support acknowledged my concern but stated they could not fix the issue or refund the fee or provide any other type of compensation. 

Why this is misleading : Coinbase advertised that by signing up for Coinbase XXXX, I would not pay fees. I relied on that representation and signed up specifically to avoid the {$100.00} fee. 
The trial appeared as available during the transaction process, yet Coinbase still applied the fee. 
Coinbases refusal to honor its own advertised promotion is deceptive and misleading. 

This practice caused me a direct loss of {$100.00} and undermines confidence in Coinbase XXXX, since I can not be certain future trades will actually be fee-free.

Company response to consumer: Closed with monetary relief