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

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion, pursuant to 15 U.S.C. 1681c-2, 1681b, and 1681s-2 ( a ) ( 6 ).

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law. 

Under 15 U.S.C. 1681c-2 ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within four ( 4 ) business days of receipt. The law does not require any further investigation prior to blocking.

Furthermore, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported.

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information.

The following negative accounts continue to appear on my TransUnion credit file despite my multiple disputes and the fact that other credit bureaus have already deleted them for failure to verify : XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized the reporting of these accounts. There is no signed contract or consent from me that justifies their inclusion in my credit report, which constitutes a violation of 15 U.S.C. 1681b ( permissible purposes ).

The continued reporting of these accounts constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA.

I have contacted TransUnion on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution.

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools.

Additionally, I have formally requested copies of any contracts or documentation from the furnishers of these accounts. More than 60 days have passed without receiving any response, which further confirms there is no verifiable evidence to support these accounts.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am requesting that the CFPB treat all complaints I have submitted regarding Cash App since XX/XX/year> as part of one continuous case and require Cash App to reopen and properly investigate my disputes. 

Before filing any individual disputes, I specifically asked Cash App for help reviewing my account activity as a whole because I could not immediately confirm which transactions were unauthorized. Cash App refused to review my account as a whole and told me to dispute each transaction individually. 

After I followed their instructions and filed individual disputes, Cash App : Closed my account entirely without a clear reason or written explanation. 
Closed my case without completing a full investigation. 
Sent me a list of transactions but did not review or explain which were approved or denied and why. 
Labeled my disputes as fraudulent even though I explained I needed help identifying legitimate transactions. 

I filed a CFPB complaint in early XX/XX/year>. As of today, Cash App has still not responded to the CFPB. I later learned they claim to close cases if a customer does not continue replying in their in-app chat. This was never clearly disclosed to me and is unreasonable, especially since they only use an automated bot and I can not stay in a chat all day. 

Because of these failures, I have no clear understanding of what Cash App is doing with my disputes, what steps I should take, or whether any proper investigation has been completed at all.

Why this is a problem : Violations of Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005 ) : 1005.11 Failure to conduct a prompt and reasonable investigation of reported errors.

1005.11 ( c ) ( 1 ) Failure to issue provisional credits when an investigation takes more than XXXX business days. 
1005.11 ( d ) Failure to provide written explanation of investigation results and reasons for denial.

1005.11 ( e ) Failure to promptly correct errors after determination.

Potential retaliation by closing my account after I filed disputes and a CFPB complaint. 

Violations of Cash Apps own User Agreement : Failure to investigate unauthorized activity and provide timely updates. 
Failure to communicate clearly and provide explanations for dispute outcomes. 
Prohibition on closing accounts in retaliation for exercising dispute rights.

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

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : Report of Fraudulent Transaction XXXX Payment of {$1000.00} I am writing to formally report that I have been the victim of a scam resulting in the loss of {$1000.00} via XXXX. The incident occurred on [ date of payment ] during a transaction related to a supposed freight load booking. 

I was contacted by an individual claiming to represent XXXX XXXX XXXX ( XXXX ). The individual provided what appeared to be legitimate load details, including a rate confirmation and carrier setup documents that closely resembled TQLs official paperwork. Believing the offer to be genuine, I followed their instructions to secure the load. 

The scammer directed me to send a {$1000.00} payment via XXXX to [ Name and/or Email/Phone linked to XXXX account ], allegedly as a bond or upfront fee required to finalize the load. After the payment was made, all communication from the individual ceased. Upon contacting the real TQL, I was informed that they had no record of the load and that the individual was not affiliated with their company. 

Details of the fraudulent transaction : Amount : {$1000.00} Payment Method : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because Experian continues to report XXXX late payment on XX/XX/year> for the account below, despite my request for verification. I formally disputed this entries and requested proof per the FCRA, but no supporting documentation was provided. Experian failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against I.C. Systems regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX ( {$110.00} ). I have never had a service account or authorized service with XXXX XXXX, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. Despite never receiving any bills, notices, or communication from XXXX XXXX or I.C. Systems regarding this alleged debt, I recently became aware that XXXX. XXXX has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1 ) Attempting to collect a debt that is not owed 2 ) Failing to provide written notice within XXXX days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. 2 ) A copy of any and all documentation I.C. Systems or XXXX XXXX claims supports the validity of this debt. 3 ) Immediate cessation of all collection activities until this matter is resolved and validated. 4 ) Removal of any negative entries from my credit report related to this account if it has been reported. 5 ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

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 2025-08-08 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: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization.

________________________________________ Legal Grounds for Dispute FERPA ( 20 U.S.C. 1232g ) : Prohibits disclosure of education records without prior written consent of the student.

The Privacy Act of 1974 ( 5 U.S.C. 552a ) : Requires that personal data collected by federal agencies be kept confidential and only disclosed with proper authorization.

FCRA ( 15 U.S.C. 1681i ) : Grants the right to dispute inaccurate or unverifiable information on credit reports.

FCRA 605 ( a ) : Limits the reporting of adverse items after 7 years unless exceptions apply.

________________________________________ I formally request that this account be immediately investigated and removed from my credit file if it can not be verified with fully documented, lawfully obtained authorization records. Please provide : 1. Verification of the account and loan origin documentation 2. Proof of consent for the disclosure of my educational records 3. The source of the data and the legal authority under which it was obtained and reported If this account can not be verified under FCRA guidelines within 30 days, it must be deleted from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization. 
________________________________________ Legal Grounds for Dispute FERPA ( 20 U.S.C. 1232g ) : Prohibits disclosure of education records without prior written consent of the student.

The Privacy Act of 1974 ( 5 U.S.C. 552a ) : Requires that personal data collected by federal agencies be kept confidential and only disclosed with proper authorization.

FCRA ( 15 U.S.C. 1681i ) : Grants the right to dispute inaccurate or unverifiable information on credit reports.

FCRA 605 ( a ) : Limits the reporting of adverse items after 7 years unless exceptions apply. 
________________________________________ I formally request that this account be immediately investigated and removed from my credit file if it can not be verified with fully documented, lawfully obtained authorization records. Please provide : 1. Verification of the account and loan origin documentation 2. Proof of consent for the disclosure of my educational records 3. The source of the data and the legal authority under which it was obtained and reported If this account can not be verified under FCRA guidelines within 30 days, it must be deleted from my credit report.

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

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization.

________________________________________ Legal Grounds for Dispute FERPA ( 20 U.S.C. 1232g ) : Prohibits disclosure of education records without prior written consent of the student.

The Privacy Act of 1974 ( 5 U.S.C. 552a ) : Requires that personal data collected by federal agencies be kept confidential and only disclosed with proper authorization.

FCRA ( 15 U.S.C. 1681i ) : Grants the right to dispute inaccurate or unverifiable information on credit reports.

FCRA 605 ( a ) : Limits the reporting of adverse items after 7 years unless exceptions apply.

________________________________________ I formally request that this account be immediately investigated and removed from my credit file if it can not be verified with fully documented, lawfully obtained authorization records. Please provide : 1. Verification of the account and loan origin documentation 2. Proof of consent for the disclosure of my educational records 3. The source of the data and the legal authority under which it was obtained and reported If this account can not be verified under FCRA guidelines within 30 days, it must be deleted from my 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 explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. 
Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Collection Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Dispute of Debt Request for Validation Account Number : XXXX To Whom It May Concern : I am writing in response to a collection account you have reported to the credit bureaus, which appears on my credit report. I am requesting validation of the alleged debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

Please provide the following information : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of fees or interest added ; 3. A copy of any judgment, contract, or agreement bearing my signature that confirms I am legally obligated to pay this debt ; 4. Verification that you are licensed to collect debts in my state, including your license number.

Pending your response, and pursuant to the FDCPA, you are required to cease all collection activities until this debt is validated. Additionally, if you are reporting this debt to any credit reporting agency, note that I am disputing its validity, and you must update your reporting accordingly under the Fair Credit Reporting Act ( FCRA ).

Please respond within 30 days of receipt of this letter. If you are unable to validate the debt, I request that you cease all collection activity and remove this account from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation