vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2025-07-25 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: FL

Complaint narrative:
Seeing this false late payment is distressing, especially since it misrepresents my financial responsibility. I respectfully ask for its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am writing to formally follow up and verify my identity regarding the complaint I submitted on XX/XX/XXXX, concerning a fraudulent collection account reported by Credit Control , LLC on my XXXX credit report. 

As requested, here is the identifying information needed to verify my identity : Last XXXX digits of my SSN : XXXX Date of Birth : XX/XX/XXXX The account in question is listed under XXXX XXXX with an account number ending in XXXX and a balance of {$98.00}. I have never opened an account with XXXX XXXX and believe this debt is either the result of identity theft or an internal billing error. I have already initiated an online dispute with XXXX but I am now escalating this issue directly to your agency. 

Despite my attempts to resolve this matter, the collection remains on my credit report and continues to negatively impact my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated immediately and removed unless you are able to provide verifiable documentation proving its legitimacy. 

Attached are copies of my government-issued ID, proof of address, and the portion of my credit report showing the disputed account. I look forward to a prompt and fair resolution to this matter. 

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 explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account has been stuck in Account under review status since XX/XX/year>, even though I completed all requested identity verification steps in XXXX. 

For several months, Coinbase has not provided any update, explanation, or request for additional documents. Their website support form does not generate a case number, the Contact us option is not clickable, and emails to support only return automated responses saying direct email support is disabled.

As a result, I have been completely unable to access or withdraw my funds for months. This situation is causing serious concern because my assets are effectively frozen without any timeline for resolution or communication from Coinbase. 
I am asking for CFPBs help to require Coinbase to : 1. Provide a clear explanation for the prolonged Account under review status, 2. Allow me to access my funds, or give a concrete timeline for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital Ones ongoing furnishing of false and misleading datalong after charge-offreflects a pattern of willful noncompliance with federal consumer law and a disregard for consumer rights. The account in question was charged off in XXXX, yet Capital One updated it in XX/XX/XXXX to reflect a past due balance. This is materially inaccurate and deceptively implies ongoing delinquency on a debt theyve already written off. 

I initially attempted to resolve this matter in good faith with both Capital One and XXXX XXXX XXXX prior to charge-off. At that time, their legal counsel responded not with proper validation but with collection activity disguised as litigation, and continued to obscure the nature of their involvement even after the account had been charged off. 

Requests for validation were submitted both before and after charge-off. Their legal counsel, XXXX XXXX XXXX, initially engaged in collection efforts without providing any legally required validationno contract, no itemized accounting, no certified mailand have since shifted into litigation mode without addressing the unresolved disputes. Despite multiple notices, no 1099-C has been provided, which raises serious questions about Capital Ones IRS compliance and the legitimacy of continued reporting. 

These issues have now been raised in multiple consumer law forums and complaints. XXXX XXXX XXXX has also been reported to the XXXX XXXX XXXX  by other consumers for misleading legal communications and debt collection practices, which mirrors my own experience. Their tactics including unclear correspondence, failure to certify mailings, refusal to provide complete account documentation, and strategic silence after requests for validation appear designed to confuse and intimidate rather than inform or resolve. 

A formal OCC complaint has already been submitted regarding this matter. The same account has now been cited in multiple active investigationsby two separate legal firmsover Capital Ones practice of reporting XXXX XXXX accounts on personal credit profiles. This practice itself has harmed thousands of consumers and is again at play in my situation. 

Capital One is already the subject of a {$420.00} XXXX class-action lawsuit for deceptive practices. Their repeated refusal to correct this errordespite clear documentation and multiple escalationshas not only harmed my credit profile but has subjected me to ongoing emotional distress, anxiety, and disruption to my financial planning. I have had to spend considerable time and resources to untangle a matter that should have been resolved when the account was charged offor better yet, when my initial dispute was ignored by both Capital One and their legal counsel. 

The cumulative pattern of misreporting, evasion, and misrepresentation warrants regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-07-25 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: FL

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a real estate investor with XXXX mortgage loans currently serviced by NewRez/Shellpoint . I have always made payments on time and have never had a late or missed payment. However, since XX/XX/XXXX, I have been unable to access their online servicing portal, which is the only way I am able to make payments efficiently. 

I have contacted their customer service line numerous times and have been referred to their IT Line, which I have emailed repeatedly without receiving a single response. Despite my continued follow-up and escalation attempts, I have not been provided a solution. The representatives on the phone are unable to help, and there is no escalation path that leads to resolution. 

This lack of access is actively obstructing my ability to pay my mortgage on time, despite my full intent and ability to do so. I am being placed in a vulnerable financial position due to their complete negligence and failure to provide basic servicing support. I believe this conduct is reckless and potentially harmful not only to my financial standing but to others who may be experiencing the same issue. 

I am requesting the CFPB investigate this matter and hold NewRez/Shellpoint accountable for their failure to respond, their broken servicing infrastructure, and their negligence in supporting mortgage holders. This is not only a customer service failure, it is a servicing failure with legal implications, and it needs immediate attention.

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 2025-07-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC
State: TX

Complaint narrative:
On XX/XX/year>, I entered into a " Payment Rights Purchase and Sale Agreement '' with Fundo, LLC for my sole proprietorship. This agreement is a Merchant Cash Advance ( MCA ) that functions as a disguised, high-cost loan with deceptive terms and is now being collected through unfair and unlawful means. 

Key issues are as follows : Disguised Loan with Extreme Rates : Fundo disbursed {$4100.00}, but the agreement requires a total repayment of {$9900.00}. This represents a staggering XXXX XXXX cost of capital over approximately XXXX weeks, which is an illegal, usurious interest rate under state law. 

Deceptive Representation of Personal Liability : The company 's marketing and structure are deceptive. While they may claim no personal guarantee is required, the contract was made with me as a sole proprietor, making me personally liable by default for all business debts. This is a practice the FTC has identified as deceptive. Their practices are similar to those in the FTC 's case against XXXX XXXX. 


Misrepresentation of Financing Amount : The agreement listed a " Purchase Price '' of {$4500.00} but then deducted {$370.00} in hidden fees before disbursement, meaning I received significantly less than the amount represented. This is another practice the FTC has taken action against. 

Unfair and Unlawful Collection Practices : Fundo has filed XXXX liens and is using them to interfere with my personal financial accounts ( XXXX XXXX  XXXX, XXXX ), claiming they are business accounts. They are doing this without a court-ordered judgment, which has restricted my access to personal funds and caused severe financial hardship. 

Unconscionable Contract Terms : The agreement contains predatory default clauses. For example, XXXX consecutive payments returned for insufficient funds constitutes a full default, allowing Fundo to demand the entire {$9900.00} immediately and seize XXXX XXXX XXXXf all business revenue, making it impossible for a small business to recover from a minor cash flow issue. 

This company is using a deceptive product structure to issue illegal loans and is now using unfair collection tactics that are causing me significant financial and personal harm.

Company response to consumer: Closed with explanation