vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
I mailed a certified dispute on XX/XX/XXXX, regarding the XXXX XXXX XXXX ( XXXX ) account ending in XXXX for inaccurate, re-aged reporting. No validation was ever mailed from XXXX. 

Despite the account being disputed, TransUnion updated this same tradeline as Account Closed on three separate dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time marking it as newly closed and re-reported. This indicates TransUnion repeatedly modified and re-aged a closed account, creating false activity history and inflating derogatory impact. 

This violates FCRA 607 ( b ) ( failure to maintain reasonable procedures for maximum possible accuracy ), and 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( failure to properly reinvestigate and correct disputed data ). Once a dispute is filed and an account is closed, TransUnion can not legally reinsert or recycle the same negative data without proper notice under FCRA 611 ( a ) ( 5 ) ( B ).

Case law such as Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Davis v. Equifax Info. Servs., 346 F. Supp. 2d 1164 ( N.D. Ala. 2004 ) make clear that re-reporting unverified or obsolete information constitutes willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
A friend, XXXX XXXX XXXX, had his bank, XXXX wire transferred me {$35000.00} dollars for work done on his homes, on XX/XX/year>. I am owner of XXXX XXXX XXXX XXXX. A week later my accounts were frozen. No one explained why. Finally I went to a branch and the supervisor XXXX, sent an Email to the person supposedly doing the investigation. A XXXX XXXX XXXX, Assistant Vice President called me and spoke with myself and XXXX XXXX XXXX concerning the money and stated, I am satisfied there is no fraud here and the account will be unfrozenand the money will not be returned to XXXX. On XX/XX/XXXX, XXXX was removed from my account. The money disappeared. I was told a check was written returning the money to XXXX on XX/XX/year>. The money was never returned to XXXX XXXX. XXXX XXXX received a letter from XXXX stating upon their investigation there was no fraud found and the money was properly sent to XXXX XXXX. I went to the branch in XXXX XXXX, NJ and spoke with XXXX XXXX again and she called XXXX XXXX, and I was not given any reason that the money was removed from my account on XX/XX/XXXX, and a check was not written until XX/XX/XXXX. Also why was the money held? If it came in by wire it should have been returned by wire on the same day it was removed from my account. XXXX XXXX stated the money is not going back to XXXX XXXX 's account it was considered fraud and will be returned to XXXX. According to M & T 's website, if a wire transfer is reversed for fraud, the customer has the right to see all evidence used to determine fraud was involved. M & T has not sent me any written communication concerning what happened to {$22000.00} dollars removed from my account. I need my money or at least it should be returned to XXXX XXXX. What was the money held for between XX/XX/XXXX, and XX/XX/XXXX? Who was using my money? Please get answers for me because XXXX XXXX will not respond to my emails or inquiries. I have been to a branch twice and sent Emails and phone calls to XXXX XXXX with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Same description as in previous complaint. Company has stilled refused to return the money or deposit into XXXX XXXX 's account. Capital One refuses to take phone calls from me or answer any texts. Capital One sends a letter of apology for any inconvenience this transaction has caused. Included in the letter is a contact number and person but no one answers the number. I have left several voice mails requesting a call back ; however, as of today XX/XX/year> no one has bother to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: KY

Complaint narrative:
Improper use of credit reporting : In accordance with The Fair credit reporting act the list of council XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Creditor acct # 's XXXX, XXXX, XXXX The Accounts name, Account numbers, Account Type, Status updates, Balance updates, Last Payment due dates, Payment History, Personal information are inaccurate accurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Improper use of credit reporting : In accordance with The Fair credit reporting act the list of council XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Creditor acct # 's XXXX, XXXX, XXXX The Accounts name, Account numbers, Account Type, Status updates, Balance updates, Last Payment due dates, Payment History, Personal information are inaccurate accurate and incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Mailing Address : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Mailing Address : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mailing Address : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit file. The account in question is listed as : Creditor Name : XXXX Card Partial Account Number : XXXX I am disputing this alleged account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, on the grounds that I never provided written consent for XXXX XXXX ( or any of its affiliates or agents ) to furnish, acquire, or use any of my personal or consumer credit information. Specifically, pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under explicit authorization from the consumer which I never granted. 

I hereby request that you conduct a reasonable investigation into this matter, as required by 15 U.S.C. 1681i, and DELETE this account from my credit report if you are unable to verify that XXXX XXXX had my explicit written consent to obtain or furnish any information regarding my personal or credit profile. 

In accordance with FCRA requirements, please provide me : 1. The method of verification used to verify this account and consent.

2. The name, address, and contact information of the individual or entity that allegedly furnished this information. 


3. Copies of any documentation containing my original written consent.

Under federal law, you must complete this investigation within 30 days of receipt of this letter, and provide me with written results of your findings. 

Enclosed are copies of supporting identification documents ( e.g. drivers license, utility bill ) to validate my identity and current address. 

If you are unable to verify the legitimacy of this account or obtain proof of my written authorization, you are required to DELETE this information from my consumer report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX LAST FOUR SS # XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Mailing Address : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Mailing Address : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mailing Address : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit file. The account in question is listed as : Creditor Name : XXXX Card Partial Account Number : XXXX I am disputing this alleged account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, on the grounds that I never provided written consent for XXXX XXXX ( or any of its affiliates or agents ) to furnish, acquire, or use any of my personal or consumer credit information. Specifically, pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under explicit authorization from the consumer which I never granted. 

I hereby request that you conduct a reasonable investigation into this matter, as required by 15 U.S.C. 1681i, and DELETE this account from my credit report if you are unable to verify that XXXX XXXX had my explicit written consent to obtain or furnish any information regarding my personal or credit profile. 

In accordance with FCRA requirements, please provide me : 1. The method of verification used to verify this account and consent.

2. The name, address, and contact information of the individual or entity that allegedly furnished this information. 


3. Copies of any documentation containing my original written consent.

Under federal law, you must complete this investigation within 30 days of receipt of this letter, and provide me with written results of your findings. 

Enclosed are copies of supporting identification documents ( e.g. drivers license, utility bill ) to validate my identity and current address. 

If you are unable to verify the legitimacy of this account or obtain proof of my written authorization, you are required to DELETE this information from my consumer report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX LAST FOUR SS # XXXX XX/XX/XXXXXXXX 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Cease and Desist & Debt Validation Request Accounts in Question : LVNV Funding LLC / XXXX XXXXXXXX Platinum Account No. : XXXX Balance : {$230.00} Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX XXXX, XXXX. 


Account No. : XXXX Original Creditor : Unknown Balance : {$570.00} Date Opened : XXXX XXXX XXXX Dear Sir or Madam, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. that I am disputing the validity and accuracy of the alleged debts listed above and requesting debt validation. Additionally, I am requesting that you cease all communication with me regarding these accounts except as allowed by law. 
You are hereby notified to : Provide full validation of each alleged debt, including but not limited to : The name and address of the original creditor ; A complete payment history showing how the amount claimed was calculated ; A copy of the original signed agreement or contract bearing my signature ; and Proof that you have legal authority to collect or report this debt. 




Cease all collection activities, including phone calls, letters, and credit bureau reporting, until proper validation is provided. Any continued attempts to collect or communicate without validation will be considered a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 


If the alleged debts can not be validated in full, you must : Remove all related entries from my credit report ; and Cease any further collection efforts immediately. 


Please note that this letter is not an admission of liability or acknowledgment of any debt. All future correspondence regarding these accounts should be made in writing only. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: NJ

Complaint narrative:
Subject : Cease and Desist & Debt Validation Request Accounts in Question : XXXX XXXX XXXX / XXXX XXXXXXXX Platinum Account No. : XXXX Balance : {$230.00} Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX XXXX, XXXX. 


Account No. : XXXX Original Creditor : Unknown Balance : {$570.00} Date Opened : XX/XX/XXXX Dear Sir or Madam, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. that I am disputing the validity and accuracy of the alleged debts listed above and requesting debt validation. Additionally, I am requesting that you cease all communication with me regarding these accounts except as allowed by law. 
You are hereby notified to : Provide full validation of each alleged debt, including but not limited to : The name and address of the original creditor ; A complete payment history showing how the amount claimed was calculated ; A copy of the original signed agreement or contract bearing my signature ; and Proof that you have legal authority to collect or report this debt.

Cease all collection activities, including phone calls, letters, and credit bureau reporting, until proper validation is provided. Any continued attempts to collect or communicate without validation will be considered a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 


If the alleged debts can not be validated in full, you must : Remove all related entries from my credit report ; and Cease any further collection efforts immediately. 


Please note that this letter is not an admission of liability or acknowledgment of any debt. All future correspondence regarding these accounts should be made in writing only. 
Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Inaccuracy wrong person wrong individual not me XXXX Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
No Navy Federal account holder can access accounts or debit and credit cards. This has been an issue for over 8 hours now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing because this is now the third time Ive tried to get transunion to properly verify and correct inaccurate late payments on my credit report on XX/XX/XXXX, I submitted a dispute to TransUnion regarding inaccurate and inconsistent late payment reporting for my XXXX  XXXX account ( # XXXX ). On XX/XX/XXXX, TransUnion sent me two different investigation results for the same account and same dispute date, under file numbers XXXX and XXXX. 

Both results contain completely different late payment histories, which proves that TransUnions reinvestigation was unreasonable and unreliable, violating 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable and accurate reinvestigation of disputed information. 

The first report shows a maximum delinquency of 30 days in XXXX and XX/XX/XXXX, while the second report lists 30 days late in XX/XX/XXXX and additional late months not listed before. This contradiction clearly demonstrates inconsistent and inaccurate reporting of the same account. 

Furthermore, XXXX  is not reporting this account as negative, confirming that TransUnions information is inaccurate and misleading. Despite these inconsistencies, TransUnion continues to publish this incorrect data, damaging my credit profile. 

I am attaching proof of this error, including both investigation results, the letters I have previously sent to TransUnion, and evidence from my XXXX  report showing the accurate payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I contacted the company even tho I made some payments ahead of schedule they still charged me late fees for paying early I also paid my account off in full XXXX too months ago and it still shows a charge off I contacted the company numerous times they told me it was never a charge off just in collection not filled as a collection with any company but through them I paid this account in full as it was my obligation and I owned it Im still calling and they keep telling me to wait it will correct but it hasnt I can show in my back account it was paid in full Please help me I keep filling this is illegal to take money and provide incorrect information as non payment when I paid it in full Ive more in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation