vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
On Sunday, XX/XX/XXXX I was in the process of trying to pay my rent to my landlord. The amount is {$2400.00}. My landlord is a XXXX man in his XXXX and he only accepts rent via electronic transfer, XXXX, XXXX, XXXX XXXX. The only available mode I can use is XXXX However my XXXX  account has a negative balance. My rent money is on my XXXX account which is in good standing but does not include XXXX. So since I could not XXXX from my account. The goal was to send my money to Cash App, unlink my XXXX account and link my girlfriends bank account, which does XXXX so she could then send the rent money to our landlord. Well in the process of doing this and trying to withdraw the money, Cash App locked my account preventing any transactions. I was able to successfully add my girlfriends bank and everything, authorizing it via 2 factor authentication, email confirmation links/codes all of that. If those measures are already in place why would they lock my account. Now there is {$2400.00} in the account just locked. They say 24-48 hold on it while they investigate. We are now past that mark and my landlord incurs {$100.00} initial late fee and {$25.00} dollars each day late. They would not let me speak to manager on the phone, they said they only email. Well this is a matter of urgency, and high importance. I have never been late on my rent in year+ that I have been a tenant here. I need my hard earned money that I work for so that I can pay my rent. Like I told a manager at cash app, this is not a big corporation its a XXXX man in the real estate business, he could decide not to house us here. Evict me and my family just because he does not want this to happen again. Then what will I do? What will I tell my family? I have a girlfriend, my XXXX  children under XXXX  and a puppy. This is just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am filing this complaint because of a late payment reported on my credit that I believe is inaccurate. I have always managed this account responsibly and made payments on time. This incorrect entry is unjust and is negatively affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has failed to honor the {$30.00} referral bonus despite confirming my eligibility and giving multiple payout deadlines. I completed all requirements in good faith, and the company continues to stall without resolution.

Details : I signed up for Coinbase via my friends referral link and downloaded the app.

I was concerned that I may not have clicked the link properly during account creation, so I contacted Coinbase support before making any trades.

The support agent confirmed that I was eligible for the {$30.00} referral bonus and instructed me to : 1. Complete ID verification 2. Make a trade of at least {$20.00} ( I traded {$30.00} ) I followed these instructions exactly, and the agent assured me I would receive the referral bonus. After completing these steps, I received shifting and contradictory timelines for my bonus : 1. First, I was told 48 hours.

2. Then the next chat I was insured by XXXXXXXX XXXX  that day I Would have received by then but did not 3. Then, I got told I actually had to wait for business days and so then I waited till Monday, 4. Then following the four business days with no reward still, I am told to give support even more time with no estimated time at all.

They have when I was their way to try to deny me this reward even going as far as to accuse me of already having an account with them. Which they could not provide any evidence saying that it was actually mine. 


And I told them : -I have never had a XXXX account -then after much probing they finally give me the last XXXX digits of this XXXX account which was XXXX saying that the phone number is the reason that the system detected the problem. Except this couldn't be true because I've never had the number XXXX and that is not my account number mine is XXXX. ( I will provide screenshots for this conversation ) * * * Additionally : The Coinbase referral Terms & Conditions link to access the fine print for this bonus has been broken, and consistently pops up an error page each time it is clicked on of this, I have been unable to review the fine print for the {$30.00} referral bonus the link is still not accessible to anybody. ( I will attach it here video of what I'm talking about ) Due to the missing terms : I had to rely solely on Coinbase supports instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They're constantly sending me letters in regards to this matter that isn't mine and they assured me that the matter was resolved and that wasn't the case they saying I owe XXXX to an account that wasn't mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX @ XXXX Truists atm took {$640.00} from me. I put XXXX XXXX dollar bills into atm. It errored in the process took my cash spit out a ticket for me to contact bank went out of order and didn't credit my account for the money missing. 

XX/XX/XXXX @ XXXX went in branch to report. The guy didn't start a claim and dismissed me by saying I had to wait. 

XX/XX/XXXX filed claim thru fraud department XX/XX/XXXX went into branch to talk to branch XXXX since account had not been provisioned yet. She informed they just counted atm. 

XX/XX/XXXX called fraud department they told me that they were still waiting for the atm print out and it could take 10 days. Still no provision. 

XXXX its been XXXX business days still no notice of what's going on still no provision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was repossessed without any prior written notice or warning, despite my ongoing efforts to stay in communication with the lender regarding my account. I maintained contact with the lender and was led to believe that the excessive outreach was automated, so I did not respond to every single email or call. In any case, the calls stopped a month prior to the repossession. At no point did I receive a final notice of default, a right to cure, or any notification that repossession was imminent. I discovered the vehicle missing and initially believed it had been stolen. This lack of transparency and failure to provide adequate notice is not only distressing but violates the standards of fair consumer treatment.

Additionally, I was treated as if I had been intentionally avoiding payment, despite having communicated my intent and making good-faith efforts to resolve the matter. In all actuality, I was only 1 payment behind with another previous payment having been paid partially. My past due balance was only {$530.00} and I had a strategy to pay it without spending all of my food money. I promptly paid the past-due amount to reclaim the vehicle and am now waiting for a tow yard appointment confirmation. Because of all of this, I will be forced to find a food bank to survive the rest of the month. The lenders practices appear to be aggressive and predatory, particularly toward lower-income consumers who may not have the resources to immediately push back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
On XXXX  XX/XX/year> I attempted to send someone money. After doing so I receive a text from my friend about XXXX minutes later telling me that the payment had failed, so I looked on cash app and seen that it had. I attempted to resend the payment and get a message saying that my account had been temporarily locked due to suspicious activity. So I contacted support, they tell me that my account had been CLOSED and my cash app card XXXX because I had violated their terms of agreement! They said that I was still able to withdraw my funds from my account ( {$230.00} ). 
After attempting to do so, the withdrawal had failed because it said that my account has been suspended. So I contact support again and tell them that I was unable to withdraw my money. They proceed to tell me that I need to file an appeal for them to reopen the account and I do. They ask me what I normally use cash app for and to give them a good email to reach me at. Afterwards they give me a case number ( XXXX ) and tell me that the status of my account had been changed to locked and that within XXXX to XXXX hours they would contact me and unlock my account and allowed me to withdraw my money. Well it's XX/XX/year> and I'm still yet to get an email from them or a message from support saying that I can withdraw my funds. I've never had issues with cash out before and it's crazy that they're not going to say why this is happening, they won't tell me what happened for them to want to suspend or close my account. They just close it out of nowhere. What's even worse is I owed rent this past weekend and was unable to pay it and have occurred a late fee because of them freezing my funds for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Before I made an official complaint to the company requesting all documents associated with this debt, proof of the chain of custody of the debt, and validation of the debt, I was only contacted by text message. There was no official information provided. Once contacted, I was sent a copy of a bill. That's only. I have no evidence authenticating CCS 's request that they be paid, except for text messages sent on weekends and at random dates/times. I was told that the company is REFUSING to provide me with evidence of the chain of custody of this debt. 

I did not have any pertinent information about this company except the phone number and the payment link provided in the attached text messages. This feels like a scam,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The balances on the DISMISSED XXXX  are incorrect also. I have been attempting for a year to have this removed sending 8 letters and disputes with Transunion and they are violating my rights. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 

Case Description : Transunion refuses to remove XXXX XXXX dismissed XXXX  from my Experian and Transunion credit report Desired Resolution : Delete XXXX XXXX Public Record from my Experian and Transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND WAS SHOCKED TO SEE THAT I HAD BEEN A VICTIM OF IDENTITY THEFT. I DID NOT GIVE ANYONE AUTHORIZATION TO USE MY INFORMATION NOR DO I HAVE A CONTRACT WITH XXXX XXXX XXXX THIS FRAUDULENT ACCOUNT HAS INCREASED MY CHANCES OF NOT BEING ABLE 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 explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report. I have no knowledge of this inquiry, nor did I grant consent for my credit file to be accessed. I closely monitor my financial transactions and can confirm this was not initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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