vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX public record filed on XX/XX/year> ( Ref # XXXX ). 
This is inaccurate and contradicted by the attached court letter. 

Because of this, several accounts XXXX ( marked as XXXX  XXXX XXXX XXXX  XXXX XXXX ( marked as XXXX XXXX XXXX XXXX  XXXX XXXX ( marked as XXXX  XXXX ) XXXX  ( marked as XXXX  XXXX ) XXXX auto loan ( marked as XXXX  XXXX ) XXXX  account ( marked as XXXX  XXXX ) are also being reported as included in XXXX. 
I dispute the XXXX XXXX XXXX  public record reported on my TransUnion credit file ( filed XX/XX/year>, Ref # XXXX ). 

This record is inaccurate and contradicted by the attached court letter. Because of this, several accounts are being wrongly reported as included in XXXX  : XXXX ( account ending XXXX  ) XXXX  XXXX XXXX ( account ending XXXX XXXX XXXX  XXXX XXXX ( account ending XXXX ) XXXX ( account ending XXXX  ) XXXX ( account ending XXXX  ) XXXX ( account ending XXXX  ) Under FCRA 611 and 607 ( b ), TransUnion must either : Provide valid documentary proof directly from the XXXX XXXX  XXXX showing that these accounts were legally included in XXXX, or Delete the XXXX  public record AND delete all the above accounts entirely from my credit report. 

If TransUnion can not verify with official documents, they are legally required to remove these accounts. 
TransUnion is providing false and misleading information. 
In their response letter ( attached ), TransUnion claimed that the XXXX information on my credit report was verified with the court. 

This statement is not true. I am attaching an official letter from the XXXXXXXX XXXX XXXX that clearly states the court does not report or verify consumer information with credit reporting agencies.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
The lady name is XXXX. helped me. She is the lady who responded to the CFPB report. XX/XX/XXXX. She had called me from a Nebraska number, stating to me that.That she was going to go ahead and notate everything in the CFPB XXXX, please keep in mind that upon speaking with her,, that cash app had been given XXXX  days to respond to the initial report.The report that was submitted post XX/XX/XXXX, I think XXXX 2025, they did reach out to cash or excuse mp advising them or requesting more documentation.Within XXXX  days cash app did not inform me. but instead hard posted the XXXX XXXX does shows as failed on my account and doesn't seem like it went through but it did equation to this was that somebody stole me for the {$260.00}, which is XXXX, and then they provided me with a chargeback of XXXX in the variable that it was for a different account after the variable after the the variable is inputted.I was then charged another XXXX, so the positive and the negative cancelled out and I was still left with that variable, which is then going ahead and charging my cash app account and not charging my XXXX account XXXX now that I'm still left with a XXXX, so they pretty much went around the situation and did not reach out to me as the customer, as the third party entity, which I was the customer of what their SOP 's were because I was not notified by cash at that. They were gon na take out or that XXXX was XXXX XXXX was pursuing their own internal dispute and did not notify me which they're supposed to do as a customer.Of whatever actions are going to be taken on my account. Also find out what the violation is for not being notified for using or doing something in somebody's account without them knowing, because initially XXXX had told me that they were going to rule it, that they were going to rule.They had ruled in my favor, so I was under the.The.Assumption that.I was under the assumption that everything was OK and clearly it was not so now.Moving forward, due to the lack of communication or.The lack of lack of communication due to the lack of.Yeah, I would say due to lack of of of of communication and there were no emails that were sent over by cash app or no like written documents. That said that stated what their actions were going to be. I do believe that they should have given me at least XXXX  days which is what they gave to.PayPal for me to respond because it would be XXXX  days for them for it to reach me XXXX  days for.For them to for them to get a response and then XXXX  days no XXXX  days for them, for me to reach it. 30 days for me to make, to for me to make a a response. And then 30 days for them to make the final decision and then to process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Re : Dispute of Charge-Off Account : XXXX XXXX XXXX XXXX To Whom It May Concern, I request the 1099-C form I am writing to dispute the accuracy of a charge-off appearing on my credit report. The account is listed as : XXXXXXXX XXXX XXXX  Account Number : XXXX Reasons for my dispute include I believe the reporting is inaccurate and incomplete, which violates the Fair Credit Reporting Act ( FCRA ), Section 611.I request the XXXX Inaccurate account Number being reported : XXXX Request for IRS Form 1099-C Cancellation of Debt XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX I request a copy of IRS Form 1099-C for the cancellation or charge-off of the above-referenced account. Please provide a copy of the form issued to the IRS If the form has not yet been issued, please confirm whether one will be sent, and the expected date of mailing. 

Thank you for your prompt attention to this matter I appreciate your prompt attention to this matter.

I am requesting that you : Conduct a thorough investigation of this account.

Provide documentation verifying the accuracy of the charge-off.

If verification can not be provided, delete this account from my credit file. 

Please provide me with written confirmation of your investigation results within the 30 days allowed under the FCRA. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'I purchased XXXX  XXXX  membership for XXXX  monthly and Im unable to see my XXXX  credit scores and my recent credit scores and Im getting a error message after I login and its showing only my XXXX XXXX credit score and nothing hasnt been fixed and XXXX  said they will fix it but its not showing the XXXX  scores and my recent Creidt report and second Ive try to increase my credit limit with capital one over XXXX  times on my three cards ending in XXXX XXXX XXXX  and they are getting denied for three reasons  credit bureau information is unavailable  we were unable to obtain your recent monthly payment data from credit reporting agency  they are unable to get the credit data from capital one at all Im asking XXXX to send the datas to capital one .. all Im seeing is XXXX XXXX credit report on my XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I got caught up with my mortgage with state assistance and XXXX said I automatically fell XXXX months behind, How, when I had help getting caught up and now they say I owe {$4000.00} and if I can come up with close that amount they will stop legal proceedings and also replied " you can't afford the house, so we will offer you {$500.00} to relocate and you don't qualify for the forbearance help. '' They are robbing us Americans. They needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
Never received correspondence about account closure ( debt validation letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid off my XXXX XXXX credit card on XX/XX/XXXX ( the due date was XX/XX/XXXX ) they are now requesting {$90.00} more. The confirmation number of the payment is XXXX the amount was {$730.00} XXXX XXXX bank processed the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Experian is violation the fair credit act law with duplicating a account with same alleged debt amount and different information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/year> I disputed {$1100.00} out of {$8900.00} from XXXX XXXX XXXX XXXX XXXX XXXX. The shop did some faulty work on the pillars on my XXXX XXXX. The broke them during installation and used double sided tape to cover it up. When it got hot the tape failed. I sent discover emails, pictures and receipts of me going to XXXX XXXX to resolve the issue. They informed me I needed more information like the merchant admitting fault. I sent an email with the owner admitting fault and offering me {$300.00}. Discover said the information is irrelevant and did not change their position. This was a valid claim they refused to honor. Since the XXXX XXXX and Discover merged they are not customer oriented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, while updating my XXXX account, my credentials were flagged and my access was restricted. I am a documented victim of identity theft, with a federal FTC report filed and accepted. I hold a valid Florida drivers license, confirmed by a clearance letter issued by the Florida Department XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, showing my license is active through XX/XX/XXXX. 

Despite this, my financial institution refused to unlock my accounts, citing the absence of a physical ID card. Because my accounts are frozen, I am unable to pay for a replacement license or complete my Trusted Traveler Program application, which also stalled due to inability to pay the fee. 

On XX/XX/XXXX, my XXXX XXXX to Repayment status activated, and XXXX University immediately froze my academic access and withheld a verified {$1800.00} credit balance. I attempted to activate credit protection due to financial hardship and identity theft, but was denied again the institution claimed they could not verify my identity, despite the XXXX clearance, federal documentation, and identity theft report. 

I am currently facing eviction and food insecurity due to this procedural obstruction. I have taken every legal and administrative step to verify my identity and request protection, but I am being denied access and aid due to the very fraud I reported. This creates a closed-loop barrier : no physical ID no access no funds no ability to renew ID or pay bills. 

I am requesting CFPB intervention to : Enforce manual identity verification using state and federal documentation Require institutions to activate credit protection and release verified aid Investigate the denial of access and protection for a verified identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I received and text message saying there was a problem with my coinbase account, I do not have a coinbase account the number from the text I received is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
UPLIFT , INC XXXX XXXX XXXX XXXX XXXX XXXX Paid Collection Still Reporting on XXXX  To Whom It May Concern : I am filing this complaint because XXXX  is inaccurately reporting a derogatory account that was already paid in full with a deletion agreement in place. 
Account in Question : UPLIFT , INC ( Serviced by XXXX XXXX XXXX / XXXX ) XXXX Report Date : XX/XX/XXXX Reported Balance on XXXX  : {$670.00} XXXX  Letter Date : XX/XX/XXXX ( attached ) Details of the Issue : XXXX. I received a settlement agreement letter from XXXX, XXXX ( on behalf of XXXX XXXX XXXX ) confirming that I was approved for a discounted payoff of {$370.00} to settle the debt in full.

2. This agreement stated that once payment was received, my obligation would be released and the account would be considered settled.

3. I complied and paid the agreed settlement in full by the deadline.

4. Despite this, XXXX continues to report the account with an unpaid balance of {$670.00} as of my most recent report ( XX/XX/XXXX ). 
5. This account is not reporting on XXXX XXXX XXXX XXXX XXXX, which shows it as an inaccurate and incomplete report.

6. Furthermore, this account should have been deleted per the pay-for-deletion arrangement I made directly with the collector.

Why This Reporting is Illegal : Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), XXXX is required to ensure maximum possible accuracy. Continuing to report a paid and deleted account is inaccurate and damaging. 
Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX and XXXX are required to uphold the terms of their settlement letter. By allowing this debt to remain active on my report, they are misrepresenting the status of the debt. 
This inaccurate reporting is causing me financial harm, lowering my credit score, and limiting my access to fair credit opportunities. 


I have attached supporting documentation, including : My most recent XXXX report showing the account is still reporting with a {$670.00} balance. 
The XXXX settlement letter dated XX/XX/XXXX, proving that I paid in full under their terms. 

This is a clear violation of my consumer rights, and I respectfully request the CFPBs intervention to ensure full deletion of this inaccurate and damaging tradeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Re : Account Number XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the above-referenced account in its entirety. I hereby demand both Debt Validation and Debt Verification, along with disclosure of the Method of Validation and Method of Verification you used to report and verify this account with the credit reporting agencies.

Debt Validation Demands ( FDCPA 15 U.S.C. 1692g ( b ) ) Provide : A copy of the original retail installment contract or loan agreement bearing my signature.

A complete itemized statement of all charges, interest, late fees, and payments applied to the account. 


Documentation proving your legal right to collect or enforce this debt. 


A copy of any debt notices you are required to provide under 12 CFR 1006.34.

Proof of compliance with the No Parking Rule ( 12 CFR 1006 ) if this account was reported to credit bureaus prior to notice.

Debt Verification Demands ( FCRA 15 U.S.C. 1681i ) Provide : The name, address, and telephone number of the party you contacted to verify this debt. 


The documents, account records, or evidence reviewed during verification. 


The exact date the verification was performed. 


Copies of any communications between you and the consumer reporting agencies ( CRAs ) regarding this account. 


An explanation of how you determined the information furnished to XXXXXXXX XXXX XXXX XXXX  was accurate ( 15 U.S.C. 1681e ( b ) ).

Method of Validation & Method of Verification Disclose the specific method of validation used before reporting this account to the CRAs. 


Disclose the exact method of verification used when responding to a CRA dispute, including identification of the person or entity contacted and the records reviewed.

Legal Basis & Rights 12 CFR 1006 No Parking Rule : Debts may not be reported without prior notice.

12 CFR 1006.34 Notice for Validation of Debts : Validation information must be provided.

15 U.S.C. 1692c ( c ) Ceasing Communication : You must honor any written cease-communication request.

15 U.S.C. 1681e ( b ) Accuracy of Report : CRAs and furnishers must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Treatment of Inaccurate Information : Inaccurate information must be deleted or corrected after investigation. 



Formal Demands Provide all documentation requested above for both validation and verification. 


Suspend reporting of this account until validation and verification are complete. 


If you can not provide full validation and verification, delete this account from all credit bureau reports immediately.

Failure to comply will result in complaints filed with the CFPB, FTC, and the XXXX  Attorney Generals Office, along with consideration of civil litigation for violations of the FDCPA and FCRA. 
This letter is sent in good faith, with no waiver of my rights under applicable law. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am formally requesting the following documentation as required by law to validate the alleged debt : Complete chain of title/chain of custody from the original creditor to Portfolio Recovery Associates , including all intermediate assignments. Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account. Executed Contract of Assignment or Bill of Sale demonstrating that Portfolio Recovery Associates acquired full legal rights to enforce the account. Original signed credit agreement and full account-level documentation substantiating the amount and terms of the alleged obligation. This demand is supported by Green v. Portfolio Recovery Associates , LLC, 2021 WL 1736584 ( N.D. Ill. 2021 ), which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record does not satisfy validation requirements ; proper documentation of assignment and ownership is mandatory. If the requested documentation is not provided through this CFPB process and Portfolio Recovery Associates continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and FCRA. Consider this my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Didn't allow these companies to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My navy federal credit card ending in XXXX was reflecting on my credit report and suddenly stopped I reached out to XXXX  and XXXX  they said they dont know if that account but I was on there before they said I had to get a letter from navy stating this is my account and they report it to all credit bureaus and I did reach out to navy they said they do report to all of them including transunion and sent me a pdf with the letter and now their telling me they can not accept the letter from me I dont know what to do I reached out to equifax and they said its reporting on there so its only transunion that is not properly monitoring and reporting my accurate credit profile so my score isnt where it should be my credit profile is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: NJ

Complaint narrative:
I am filing this complaint against MOHELA for unlawful collection activity. 

On XX/XX/year>, I received a discharge in my XXXX XXXX XXXX ( XXXX XXXX ). The loan at issue is a Tuition Answer Loan, a private, direct-to-consumer, non-certified loan that does not qualify as a qualified education loan under 11 U.S.C. 523 ( a ) ( 8 ) ( B ). MOHELA did not file an adversary proceeding within the FRBP 4007 ( c ) deadline.

Despite this, MOHELA continues to collect and report the debt. This violates : 11 U.S.C. 524 ( a ) ( discharge injunction ), The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ), and The Fair Credit Reporting Act ( by reporting XXXX debt as collectible ). 

This matter is also under review by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) under Docket No. XXXX and has been referred to the XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation