vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report related to XXXX XXXX  in the amount of {$5500.00}. This collection is not the result of a credit card, loan, or other credit-based account. Instead, it stems from a returned cashiers check that I deposited at a branch of XXXX XXXX, which was later deemed fraudulent. 

Background : I deposited a cashiers check I received from a dealer affiliated with XXXX XXXX into my checking account at a physical XXXX XXXX branch. The bank initially accepted the check, and it was reflected in my available balance. Several days later, I was informed that the check had been returned as fraudulent. I had no knowledge that the check was not legitimate, and I acted in good faith by depositing it directly with the bank. 
This incident was not the result of any misuse, fraud, or negligence on my part. I did not originate the check and had no way to verify its authenticity beyond depositing it at a trusted banking institution.as the law Bank is responsible to make sure check is good after accept to deposited Legal and Reporting Concerns : This type of account is not a credit account, and as such, it is not subject to reporting under the Fair Credit Reporting Act ( FCRA ) in the same manner as a credit card, loan, or line of credit. Reporting such a non-credit debt as a collection tradeline may violate FCRA standards. Additionally : If the bank or collection agency has reported this to the credit bureaus, they are required to ensure the information is accurate, complete, and verifiable. 
As this is a non-credit banking transaction, its inclusion on my credit report is misleading and harmful. 
I did not receive a proper notice of debt or validation from any collector, as required under the Fair Debt Collection Practices Act ( FDCPA ). 


Request for Resolution : I respectfully request the following : Immediate removal of the collection account from my credit reports with Equifax, Experian, and TransUnion. 


Please help me this as a formal dispute under the FCRA ( 15 U.S.C. 1681i ). I expect a written response within the required timeframe.

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 2025-07-03 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: CA

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report related to XXXX XXXX  in the amount of {$5500.00}. This collection is not the result of a credit card, loan, or other credit-based account. Instead, it stems from a returned cashiers check that I deposited at a branch of XXXX XXXX, which was later deemed fraudulent. 

Background : I deposited a cashiers check I received from a dealer affiliated with XXXX XXXX into my checking account at a physical XXXX XXXX branch. The bank initially accepted the check, and it was reflected in my available balance. Several days later, I was informed that the check had been returned as fraudulent. I had no knowledge that the check was not legitimate, and I acted in good faith by depositing it directly with the bank. 
This incident was not the result of any misuse, fraud, or negligence on my part. I did not originate the check and had no way to verify its authenticity beyond depositing it at a trusted banking institution.as the law Bank is responsible to make sure check is good after accept to deposited Legal and Reporting Concerns : This type of account is not a credit account, and as such, it is not subject to reporting under the Fair Credit Reporting Act ( FCRA ) in the same manner as a credit card, loan, or line of credit. Reporting such a non-credit debt as a collection tradeline may violate FCRA standards. Additionally : If the bank or collection agency has reported this to the credit bureaus, they are required to ensure the information is accurate, complete, and verifiable. 
As this is a non-credit banking transaction, its inclusion on my credit report is misleading and harmful. 
I did not receive a proper notice of debt or validation from any collector, as required under the Fair Debt Collection Practices Act ( FDCPA ). 


Request for Resolution : I respectfully request the following : Immediate removal of the collection account from my credit reports with Equifax, Experian, and TransUnion. 


Please help me this as a formal dispute under the FCRA ( 15 U.S.C. 1681i ). I expect a written response within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions
State: WY

Complaint narrative:
On XX/XX/XXXX this company, FJS Global, contacted me using a XXXX XXXX XXXX phone number. I called the number back and it went to their office in XXXX, Wyoming. They claim to hold the debt to XXXX XXXX that was paid in full in XXXX of XXXX. 

Again today, after I spoke with the representative on XX/XX/XXXX and provided them the documents including the paid in full letter. Today XX/XX/XXXX they again called me from the XXXX XXXX XXXX phone number and again they claim, through the robo voice, that they have " sent you ( me ) documents that you ( me ) have not responded to. Please follow up with your department of documents. '' Firstly, on XX/XX/XXXX I informed the representative when I called the number back that this debt was paid. It has been removed from my credit after it was paid. The representative said that it was in a judgement, that is incorrect as no judgement was issued. They are still claiming to own the debt. I am not paying them for something that was paid and removed from my credit score. I informed them of this and still the representative claimed that they own the debt, ( the do not ) and that it can be claimed and that they will pursue civil action to collect it. 

I'm not going to pay someone who doesn't own the debt, nor will I pay when it was paid off and removed from my credit. 

They are continuing to harass me every other day and are using a XXXX XXXX XXXX phone number. This is getting outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase holds back {$2500.00} that came from my bank in the first place and now I want to transfer this same money back to my bank account but they block it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IA

Complaint narrative:
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 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
They closed my account years ago. My funds were supposed to be released after a hold period of 180 days.Told me to send a copy of my ID. Which I did more then once.ive been calling them and messaging them for over 4years. They have {$1300.00} of my money that they straight out stole from 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This morning around XXXX XXXX  I attempted to XXXX  my wife XXXX dollars to pay utilities. When I did Citi bank blocked my account when I called they told me they couldn't verify me even though they asked me no questions and gave me no reason why and said I would have to wait for a letter in the mail then cut off all access to my money. When I called a second time they hung up on me. When I tried to go online it said they deactivated my bank account.

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 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I filed disputes about providing me Proof that this debt by asking for the Original Purchase Agreement for NCA to validate. I havent received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am filing a formal complaint against Capital One regarding a promotional offer tied to their 360 Checking account and the banks subsequent failure to honor the stated terms, provide timely communication, or offer a satisfactory resolution.

I opened a Capital One 360 Checking account in XXXX with the expectation of receiving a {$300.00} bonus after meeting the required qualifications. I met the stated terms and waited several months for the bonus to be deposited. When it did not arrive, I contacted Capital One multiple times to resolve the issue. 

On XX/XX/XXXX, I sent a letter inquiring about the status of the bonus. I never received a response. 

I then called Capital One in early XXXX and was told by a representative that I would receive the funds by XX/XX/XXXX. No deposit was made. 

In early XXXX, I called again and spoke to another representative who reviewed my account and stated that I appeared to have met the requirements. She escalated the matter and provided a claim number. I was told I would either see the bonus posted to my account or receive a denial letter. I received neither. 

In XXXX, I made a third call and was informed by yet another representative that I was being denied the bonus because the deposit I made did not qualify as a direct deposit. I was not previously told this nor was it made clear in the promotional terms what specifically qualified or disqualified a deposit. Additionally, I know of a family member who met the same criteria I did and received the bonus without issue.

I find Capital Ones handling of this matter deeply troubling. I have received inconsistent explanations, broken promises, and no written communication regarding the denial. The burden has been entirely on me to follow up repeatedly over several months. I acted in good faith, met the advertised requirements to the best of my understanding, and reasonably expected the bonus to be honored.

I am a single-income educator who chose to open this account to manage my finances responsibly with a reputable institution. Instead, Ive been met with silence, confusion, and disregard. I am requesting the CFPB 's assistance in investigating this matter and compelling Capital One to honor their promotion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Experian Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a reported late payment that does not align with my payment history or the information reflected in my personal financial records. I understand the importance of accurate reporting, and I respectfully request that this matter be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I don't know who monitors the credit reporting agencies but, once I got my XXXX loan up to date, my credit score went up to XXXX. Then, after one month my score dropped like XXXX points! I called them, Experian, and they would not give me a reason why it dropped so dramatically. Ever since then I have religiously make all my payments to all my creditors on time. No bankruptcy, no charge offs no late payments no nothing!!!! And my score keeps raising and lowering a couple of points here and there keeping me right at the XXXX range. This is not fair credit reporting. This is damning my credit worthiness especially when I was at XXXX and like a meteor out of the sky it plummeted XXXX points whit no rhyme or reason. I dont know if this is a conspiracy or just a scam that Banks use to charge you higher interest rate but I must say, whats the point of being a good consumer who pays his debts on time if hes only going to be wrongfully charged with higher interest! Whats the point??? Now I will say that I will not cut my nose off in spite of my face but, if this is hows it going to be then, dont expect me to be a viable member of Society who pays he debts because there is no upside. I see bankruptcies in my future Surely, someone there in this department of government can look into this matter and see the travesty or wrongful actions that has been plagued upon me. I thank you for the time and I would love to hear back from although Im not very optimistic that I will. Ive always been optimistic person but when it comes to the 3 said agencies, Im truly pessimistic because of their lack of fair credit reporting. I bid you farewell. Respectfully : 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5300.00}

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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/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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-03 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: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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