vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
TransUnion is continuing to report an account from XXXX that has been legally canceled and is no longer valid. After their own internal investigation, XXXX issued a 1099-C for this account, signifying that the debt has been canceled and considered income by the IRS. Reporting this account as open, active or delinquent is not only misleading it is illegal. TransUnion is even reporting the charged-off account as OPEN.

Despite furnishing them with all supporting documentation, including the 1099-C, TransUnion continues to publish this inaccurate and derogatory information in violation of the following : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Bars furnishing information after being notified it is disputed and unverified.

FCRA 615 ( f ) and 605B : Provisions regarding disputed and fraudulent information.

IRS Code 6050P : Requires creditors to issue 1099-Cs when debts are canceled and prohibits further collection or reporting of said debt.

XXXX  and XXXX  have already deleted this account after reviewing the documentation yet TransUnion remains noncompliant. 

Additionally, this XXXX account was part of a sign-up promotion, which promised a {$500.00} Visa Gift Card that I never received. Despite numerous attempts to contact XXXX, they have never fulfilled this contractual obligation further highlighting their blatant pattern of deceptive practices and disregard for consumer protection laws. 

This pattern is not isolated. XXXX has faced multiple class action lawsuits over deceptive billing and collection practices a public record that reflects a corporate culture of noncompliance. 

I have reported XXXX to the XXXX  and the Attorney General because believe this instance is yet another example of XXXX systemic abuse of consumer rights. Furthermore, TransUnions negligent failure to maintain accurate records assists and supports XXXX 's patterns of unlawful practices.

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 2025-07-12 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: Freedom Mortgage Company
State: CO

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate credit reporting by my mortgage servicer, Freedom Mortgage, in connection with forbearance relief I received under the CARES Act and assistance from the North Dakota Homeowner Assistance Fund. 


I had an active mortgage with Freedom Mortgage ( opened on XX/XX/XXXXXXXX  ). Due to COVID-19-related financial hardship, I entered an approved forbearance agreement and also received mortgage assistance through the State of North Dakota , which made payments directly to the servicer on my behalf during the forbearance period. 


Despite being in an approved forbearance program, Freedom Mortgage has reported several months as late or 120+ days late on my credit report. This includes ( but may not be limited to ) : XXXX through XX/XX/XXXXXXXX  XXXX through XX/XX/XXXXXXXX  These delinquencies are incorrectly reported, as the CARES Act Section 4021 requires that accounts in forbearance not be reported as delinquent if the borrower was current at the time of entry into forbearance. Furthermore, the state-paid mortgage relief should have further protected me from delinquent reporting. 


This inaccurate reporting has significantly damaged my credit, which impacts my ability to secure future housing and financial stability. 


I am requesting that the CFPB investigate this matter and compel Freedom Mortgage to : 1. Correct the inaccurate late payment entries during the covered forbearance period.

2. Ensure full compliance with the CARES Act and FCRA credit reporting obligations.

3. Provide written confirmation of any changes made to the reporting. 




I have attached screenshots showing my credit history as reflected by the reporting agency, indicating the months in question, as well as any available documentation related to my forbearance and state assistance. ( You can attach or upload these as part of the online complaint. ) Thank you for your attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Freedom Mortgage Account Number : 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 2025-07-12 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: Recreational Holdings Corp.
State: RI

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate and misleading credit information to the credit bureaus, specifically XXXX. The tradeline has been re-aged in violation of the FCRA and falsely lists recent activity in XXXX and XXXX, despite the vehicle being repossessed in XXXX and no account activity since XXXX. 
I had a car loan with XXXX XXXX XXXX that was repossessed in early XXXX. The last legitimate payment was made in XXXX, and I did not have possession of the vehicle after that time. However, XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX, and updating the tradeline as recently as XX/XX/XXXX, which is both false and a re-aging of the account. 

They are listing new charge-offs and payments that never occurred, and have falsely extended the reporting period on my credit report. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 605 ( c ) : Prohibiting re-aging accounts to remain longer than XXXX XXXX  from the date of first delinquency 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate 623 ( a ) ( 2 ) : Failure to correct and update information after notice 623 ( b ) : Duty to investigate disputed information I have provided XXXX  and XXXX XXXX Funding with documentation showing the accounts true history and that no payments were made after XXXX. Despite this, XXXX XXXX continues to furnish false data and XXXX  refuses to remove the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effectivel measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: CT

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Todays Date ] To : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : SECOND Dispute of Account ATG Credit ( Account # XXXX ) Dear XXXX  Dispute Department, I am writing to follow up and escalate my dispute concerning the account listed under ATG Credit with the account number XXXX and a reported balance of {$5500.00}. The balance was most recently updated on XX/XX/year>. 

I formally dispute the accuracy and validity of this account as reported on my XXXX  credit file. I am requesting that XXXX  reinvestigate this account in accordance with the Fair Credit Reporting Act ( FCRA ) and provide a detailed explanation of the documents used to verify its legitimacy.

ATG Credit has failed to provide adequate validation of this debt. The only documentation they submitted was a general enrollment agreement and a statement from Colorado XXXX University showing my total tuition cost, which appears to be approximately {$60000.00}. However, there is no reference or breakdown of the specific amount of {$5500.00} that XXXX is attempting to collect. 

Furthermore : There is no signed agreement between myself and ATG Credit.

They did not furnish any documentation proving they are the authorized collector of this debt. 
They did not identify or provide a specific billing statement or breakdown supporting the {$5500.00} amount. 
My educational debt with Colorado XXXX University is already reflected in my credit report under federal student loans, which are currently in deferment and properly reported. 

This additional fee appears to be duplicative, unsubstantiated, and unverifiable. If Experian has received the same documents that I was providednamely, only the general tuition cost and enrollment agreementthen such information does not satisfy the legal requirement for proper debt validation under the FCRA and related consumer protection laws. 

I am therefore requesting that Experian : 1. Reinvestigate this account, 2. Verify the exact documentation received from ATG Credit, 3. And if sufficient validation is not provided, delete this account from my credit report entirely. 

Please send me the full results of your reinvestigation and a copy of any documentation that ATG Credit provided to verify this account. 

Thank you for your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Violations of Student Loan Protections, Late Payment Reporting, and FERPA Privacy Breaches Dear CFPB Representative, I am writing to file a formal complaint regarding serious violations related to my student loans, including breaches of the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), and possible violations of the Fair Credit Reporting Act ( FCRA ).

1. Improper Access and Investigation of My Student Loan Records It has come to my attention that my student loan information may have been improperly accessed, reviewed, or scrutinized by unauthorized individuals or entities, including XXXX XXXX and/or affiliated parties. If this is accurate, such access constitutes a clear violation of FERPA, which protects the privacy of student education records. Under 20 U.S.C. 1232g and 34 CFR Part 99, no third party may review or receive student loan or education records without my written consent. 
XXXX. Violations of the Higher Education Act My servicer has failed to meet several obligations under the Higher Education Act of XXXX, including, but not limited to : Failing to provide adequate notice or explanation for changes in my loan status or repayment terms. 
Mishandling of deferment or forbearance requests. 
Misrepresentation or failure to provide accurate account statements and balances. 
XXXX. Late Payments Reported Without Proper Notice Late payments have been reported to the credit bureaus without notifying me in advance or giving me an opportunity to correct the issue, which may violate the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). Under FCRA, furnishers are required to ensure accuracy and completeness of information reported and must notify the consumer before negative reporting. 
XXXX. Violation of Privacy Rights Under NPR If my student loan data has been used or exposed via the National Public Registry ( NPR ) or similar platforms without my consent, this represents an additional breach of privacy and requires immediate investigation and correction. 



Requested Action : I respectfully request the CFPB to : Investigate these possible violations thoroughly. 
Require my student loan servicer to provide a full audit of my account and detailed history of any third-party access or reporting. 
Remove any inaccurate or improperly reported information from my credit report. 
Enforce appropriate penalties or sanctions if unlawful access or reporting is confirmed. 

Please contact me if additional documentation is required. I am prepared to cooperate fully in any investigation. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/XXXX I accepted a phone call from MCM in attempt to collect a debt or they will take legal action. 

MCM has reached out numerous times from different phone numbers with inaccurate account information attempting to collect a debt. 
Due to data breaches, identity theft, and scam calls, I request a court hearing! 

XX/XX/XXXX I case searched my name on the XXXX XXXX XXXX XXXX XXXX and a plethora of cases matching my name came up. 

According to the information center, recently MCM filed a case against me shows the filing case date as XX/XX/XXXX affidavit of service XX/XX/XXXX leaving a comment that it was a personal service XX/XX/XXXX Ive never received any information that I had a pending court hearing from MCM. It seems like they have provided falsified documents claiming to serve me with legal notices, which lack authenticity and proper legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I had money missing from my account in the amount of XXXX that was on my cash account on that same day I reached out to cash app and filed an dispute claim and cash app did not investigate my claim to retrieve my money. On XXXX of XXXX I have reach out to cash app again to make another claim, cash app stated that they closed my account to prevent them from getting my funds back or investigating my claim. On XXXXXXXX XXXX XXXX I reach out to cash app again to file the same claim and cash denied my claim without no support. Cash has failed to corporate to helping me, they has been extremely unsupportive to investigating my account. Cash app stated that my money went to XXXXXXXX XXXX if that's the case cash app did not contact this bank or anything. They didn't try to get my funds back from the XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CORELOGIC INC
State: TX

Complaint narrative:
I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. 

Despite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, CoreLogic, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. 

I have also submitted documentation of my XXXX XXXX status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance.

I am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. 

I respectfully request the CFPBs assistance in enforcing Section 605C compliance.

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 2025-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ccording to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Im a Coinbase one member with an active Coinbase Account. On XX/XX/XXXX XXXX XXXX My account was hacked/compromised with unauthorized transactions to my XXXX digitals assets XXXX : XXXX, XXXX, XXXX, XXXX .. I reported the security issue with coinbase same day and was given case # XXXX and filed a police report # XXXX with XXXX XXXXOH. I've sent supporting documents to member of coinbase staff of my lost in the amount XXXX .. Also spoken with coinbase about resolving/ reimbursement/ replacing what was stolen and also converted under XXXXXXXX XXXX coverage given to coinbase one members ex : lost/stole currency due to breach/hacked accounts.Which I was and still Coinbase XXXX member during the time of my lost. I have been following-up with Coinbase and they tell me its still being investigated etc. Its now XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Item description : XXXX XXXXXXXX XXXX XXXX XXXX XXXXy Quantity : 1 Issue Invalid key Amount disputed : {$150.00} Issue description : On XX/XX/XXXX I purchased a digital products key, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, from seller XXXX. The seller sent the key several hours later via XXXX message. I attempted to redeem the game key and was unsuccessful. The error message revealed the key had already been redeemed. I immediately screenshotted the error and sent it to the seller who advised me to try different methods to redeem the key. I tried these methods and was met with the same error each attempt. I reached out to XXXX customer service who opened a case on my behalf. I was advised to give the seller 3 business days to respond and if they do not then I can call back to be assisted further. The seller has not responded to me since XX/XX/XXXX. I called XXXX back on XX/XX/XXXX and was advised they could not assist because XXXX does not cover digital goods with their money back guarantee and the representative suggested I dispute it through my payment provider. PayPal was the payment provider and I filed a dispute through them on XX/XX/XXXX. I attached many screenshots showing the conversation with the seller and the error messages I received and PayPal closed the dispute in XXXX  favor. I did not receive a detailed explanation or any recourse for this decision. Paypal specifically states in its policies that it covers digital goods in its purchase protections. PayPal should make things right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
They gave me a {$100.00} credit randomly but that doesn't cover all of the overdraft fees. It was only done because of the complaint. And a {$4.00} credit for nothing to my savings account.

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