vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-13 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: NY

Complaint narrative:
i have a bitstamp XXXX account, have had it for several years, several months ago they tried to steal XXXX dollars of XXXX XXXX, i escalated the matter to the ombudsman and the XXXX  was returned, i moved all of my XXXX  except about XXXX dollars of XXXX, they have refused to let me withdraw it until i provide, paystubs, tax statements, investment portfolio, none of which i have i have been retired for years, and i would not provide these invasive documents anyway. They are affiliated with robinhood and operate in this country. I want my XXXX '' XXXX, about XXXX dollar 's worth released to me and they refuse until i provide the documents, the funds to buy the XXXX were deposited from my bank account, and i repeat i have had this account for several years. account number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
XXXX XXXX Major Late-Payment Discrepancies Account number : XXXX XX/XX/XXXX : Experian reports 60 days late. 
Equifax reports PAID ON TIME. 
TransUnion reports NOTHING. 
XX/XX/XXXX : Experian reports 30 days late. 
Equifax reports 60 days late. 
TransUnion reports NOTHING. 
XX/XX/XXXX : Experian reports PAID ON TIME. 
Equifax reports 30 days late. 
TransUnion reports NOTHING. 
This is a Metro-2 violation. Payment history must be consistent.

This is an FCRA 607 ( b ) accuracy violation.

Any inaccurate data must be deleted under FCRA 611. 
I am disputing the XXXX charge-off on my credit file. This was previously removed and has now been reinserted without notice, which is illegal under FCRA 611 ( a ) ( 5 ) ( B ). What are the odds that an unverified, improperly reported charge-off magically reappears? Reinsertion requires written notice within 5 business days, which I did NOT receive. 
I have disputed this account multiple times. Every dispute included : My ID My Social Security card Proof of address My clear explanation of the inaccuracies Instead of providing verification, all three bureaus sent : Copies of my own credit report ( not verification ) Credit repair company stall letters ( not true ) Identity theft freeze letters ( also not true ) No documentation from XXXX whatsoever If the bureaus or Discover actually knew Metro 2 or the FCRA, they would know that NONE of this counts as verification of a charge-off.

What information did I request? ( short ) I requested complete verification : full account ledger, billing statements before charge-off, default/acceleration notices, charge-off calculation, and proof of ownership.

Why this violates the law Under FCRA 611 ( a ) ( 1 ) and 623 ( b ), the bureaus must perform a reasonable investigation. 
Sending me a credit report is not an investigation. 
Claiming Im working with a credit repair company is not an investigation.

Identity theft freezes I did not request are stall tactics.

Metro 2 requires : Accurate Date of Last Payment Accurate Date of First Delinquency Consistent payment history Correct charge-off coding Matching data across bureaus Discover and the bureaus are reporting inconsistent dates, inconsistent balances, inconsistent statuses, and nothing matches across all three bureaus.

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 2025-11-13 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 am filing this complaint because TransUnion continues to report several charged-off accounts and hard inquiries that are inaccurate or unverifiable. 

Accounts in Dispute : 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

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion wrongfully closed my previous dispute claiming it did not come directly from me or someone I authorized. That is false I personally submitted the dispute myself through the CFPB portal and did not authorize any third party. 

I am requesting that TransUnion reopen and properly reinvestigate the following inaccurate items : Disputed Items Wrong Addresses : XXXXXXXX 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 XXXXXX/XX/year> Requested Action : Please ensure TransUnion : Reinvestigates each disputed item properly. 
Deletes or corrects all inaccurate or unverifiable data. 
Provides written confirmation once corrections are made. 
This dispute was submitted directly by me as the original consumer. Any claim that it was not would be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am requesting a full reinvestigation of Experians reporting for the following accounts and late-payment entries. 

Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$220.00} Reason for Dispute : The information appears incomplete and inconsistent with the data reported by the other credit bureaus. I request verification of these accounts or removal if they can not be fully validated. 

Late Payment Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : I am requesting a reinvestigation because I believe these late payments may be inaccurate or unsupported. Please provide complete verification or remove the disputed late payments.

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 2025-11-13 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
My bank chime let an unauthorized transfer go through without my consent the amounts were XXXX and XXXX dollars I started a dispute XXXX different times even got a police report like they said to do and they still denied my claim and they didn't give me a reason why this happened on XX/XX/XXXX it was my entire social security XXXX check I went without no power for XXXX days and almost was evicted from my home. I've tried calling to talk to the dispute department they claim they do not have phones I still have not been reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: TX

Complaint narrative:
Formal Complaint and Dispute of Invalid Debt XXXXXXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the debt you are attempting to collect, referenced under XXXXXXXX XXXX XXXX XXXXXXXX and Notice Number XXXX, in the amount of {$29.00}, which you claim is owed to the Georgia State Road and Tollway Authority. 

This debt is invalid and has been previously disputed. I have already contacted the Georgia State Road and Tollway Authority regarding this matter and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX. Neither the original creditor nor your agency has been able to provide sufficient evidence or a valid explanation substantiating this alleged toll violation. 

As such, this debt is not owed, and its continued collection is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I demand that you : XXXX. Immediately cease all collection activities regarding this account ; XXXX. Formally close this account and confirm in writing that the debt is considered invalid and uncollectible ; XXXX. Remove any negative information related to this account from my credit profile, if any has been reported. 

Should you fail to comply, I will not hesitate to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under state and federal law. 

I expect written confirmation of the closure and withdrawal of this alleged debt within XXXX business days. 

Sincerely, 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2024 I attempted to send mo ey from my work card to my cash app card. When I sent the money it sent the money to paychecks in cash app and I could not access that money and to this day I still have not been able to access that money and I called support for help and they claim that they do not see the transaction and can not help me with what I am asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-13 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I was at a friend 's house using his hot spot on my phone playing games I fell asleep while on my phone and some one that was also at the same apartment took my phone and got on to my cash app account and transferred XXXX dollars to his cash app account Cash app denied the dispute because my security feature were used to make this fraudulent transaction to access my cash app account all it takes is my thumb print or my screen lock witch anyone could have been watching me while I was using my phone there are witnesses to this taking place at the time they didn't realize the guy had my phone it wasn't until I woke up later and was looking at my messages on my phone I seen a transaction for XXXX to a guy I didn't know my friend immediately reached out to the guy demanding he give me back my money after a couple of days of calling and texting the guy he finally agreed he would send me back the money but he never did that is when I filled the dispute and sent the guy a message for a refund of my money he stole

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
In XX/XX/year>, I made a single purchase at XXXX XXXX for a XXXX XXXX '' XXXX television. The original charge on my Apple Card was {$690.00}. A few days later, XXXX XXXX issued a {$53.00} refund for a price adjustment. This refund posted correctly to my Apple Card. 

XXXX XXXX has confirmed that only XXXX transaction exists on their side : XXXX purchase, XXXX refund, and XXXX pickup. Their system shows no second charge for {$630.00}, the amount of the original charge minus the refund. 

However, my Apple Card ( issued by Goldman Sachs Bank USA XXXX shows XXXX separate postings : {$690.00} ( original purchase ) {$630.00} ( a second, separate charge posted by Apple Card ) The {$630.00} posting is a duplicate processor-level posting, not a real transaction from the merchant. Best Buys records, receipts, and my account history all show only XXXX valid sale and refund. The refund posted correctly, and no second purchase ever occurred. 

I opened a dispute in XXXX. Over the next XXXX months, Goldman Sachs repeatedly mishandled the issue. The case was opened and closed multiple times and misclassified as fraud instead of a billing error under the XXXX XXXX Billing Act ( Regulation Z ). Despite providing documentation each time, the bank denied my dispute without conducting a reasonable investigation or comparing my Apple Card postings to the merchants records. 

This duplicate charge is a clear billing error, and the issuer did not resolve it within the XXXX billing cycles required under XXXX XXXX XXXX. 

Requested resolution : Remove the duplicate {$630.00} charge ; Refund any interest or fees tied to it ; Confirm the correction under the Fair Credit Billing Act. 

Supporting documents attached : Apple Card transaction screenshots ( original charge, refund, duplicate posting ) XXXX XXXX purchase receipt, refund confirmation, and order history Apple Card dispute denial emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation