vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
On XX/XX/year>, I transferred approximately {$3600.00} in XXXX ( XXXX  ) on the XXXX XXXX  to my Robinhood USDC deposit address.

The transaction was successful on-chain and the funds are clearly visible in XXXX custody wallet here : XXXX XXXX XXXX Robinhood confirmed the transfer under Case ID # XXXX, but stated that they do not have internal tooling to recover XXXX sent on the XXXX XXXX. Their supervisor, XXXX, explained that they only have recovery tooling for XXXX XXXX, not Solana-based XXXX XXXX 

Because XXXX and XXXX are both XXXX  tokens on XXXX, any wallet that controls the private key can access either token type. The assets are therefore technically recoverable, and Robinhoods inability to return them appears to stem from an internal policy or infrastructure limitation, not an immutable blockchain constraint.

The Robinhood deposit interface did not clearly warn that sending XXXX ( SPL ) to a XXXX  ( SPL ) address on XXXX would result in permanent loss. I believe this constitutes a consumer disclosure and asset-recoverability issue under Robinhoods crypto custody operations.

I am requesting that the CFPB review this matter and ask Robinhood to : Reimburse or credit the lost funds in XXXX  or XXXX  ; or Implement a process to recover these XXXX  assets from their custodial wallet.

I have attached Robinhoods email correspondence confirming receipt of funds and the on-chain transaction evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am submitting this complaint regarding an XXXX XXXX account that continues to appear on my credit reports with inaccurate and conflicting information, despite repeated disputes and no valid verification from the creditor. 

I have disputed this account with all three credit bureaus ( TransUnion, XXXX, and XXXX ) and directly with the creditor under the Fair Credit Reporting Act ( FCRA ). To date, no supporting documentation has been provided to verify the accuracy, ownership, or current status of this account. 

The information reported by each credit bureau is inconsistent and contradictory, indicating a failure to conduct a reasonable investigation : TransUnion reports Charged off as bad debt purchased by another lender. 

XXXX  reports Unpaid balance reported as a loss by the credit grantor purchased by another lender. 

XXXX  reports Charged off account account transferred or sold.

These differing descriptions violate FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and 611 ( a ) ( 5 ) ( A ) ( requirement to delete unverifiable or inaccurate data ). If the account was purchased by another lender or transferred or sold, XXXX should no longer be furnishing updates, as ownership and collection rights would have been transferred. Continuing to report a balance or charge-off under these circumstances is misleading and unlawful.

Additionally, no 1099-C has ever been issued to me for this alleged charged-off amount, despite IRS requirements to do so when a debt is canceled or written off. I have requested this information multiple times from the company but received no response.

This inconsistent and unverifiable reporting is damaging my creditworthiness and violates the FCRA 616617, which prohibit the continued furnishing of inaccurate data after notice of dispute. Given that this account has been repeatedly challenged and remains unverifiable, it should be deleted from all credit reporting agencies immediately.

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 2025-10-08 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: NM

Complaint narrative:
I have contacted TransUnion several times to dispute duplicate accounts with multiple debt collectors which are being reported on my credit report.

Each time, TransUnion states they have investigated and verified the accounts. The accounts with XXXX XXXX  and XXXX XXXX XXXX listed on my credit report are both inaccurate because they are both listed under the same XXXX XXXX  original account. 

I have attached my original letter that was physically mailed to TransUnion on XX/XX/year>.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 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 2025-10-08 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: Experian Information Solutions Inc.
State: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I PULLED UP MY REPORT AND FOUND OUT THAT THERE IS LATE PAYMENT REPORTED IN MY CREDIT REPORT. I NEVER BEEN LATE, ALWAYS PAY ON TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DAYS LATE REPORTED. 
BUREAUS : EXPERIAN and TRANSUNION THIS IS NOT THE FIRST TIME IVE FILED THIS COMPLAINT, YET NO ACTION HAS BEEN TAKEN. IM RESENDING IT BECAUSE MY PREVIOUS SUBMISSION WAS IGNORED. I RESPECTFULLY URGE YOU TO ADDRESS THIS MATTER IMMEDIATELY.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to formally raise a complaint regarding the repeated cancellation of my domestic wire transfers and the recurring restrictions placed on my account, which have effectively denied me access to my own funds and caused significant inconvenience and financial harm. 

I am currently abroad, attempting to complete a legitimate and time-sensitive domestic transfer to finalize a property purchase. Due to Chases daily transfer limit of USD XXXX, I have been sending the funds in smaller portions. After multiple failed attempts, one transfer was finally processed yesterday.

However, today every subse
quent wire transfer attempt has been cancelled eight times. Each cancellation has been accompanied by an automatic freezing of my account, requiring me to call Chase repeatedly to reactivate it. I have spent several hours on the phone with multiple representatives, each of whom assured me that the issue wa
s resolved. Yet, shortly after each confirmation, I receive a new notification that the transfer was again cancelled and my account restricted once more.

This repeated cycle has caused : 1- Substantial financial and emotional distress, 2- Potential contractual and legal risk in connection with the pen
ding property purchase, and 3- Loss of time, trust, and opportunity as a customer acting in full compliance with all bank requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I was contacted by Portfolio Recovery Associates about an alleged debt they claim I owe. However, I have not received sufficient information to verify the validity of this debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request a debt validation letter. 

I contacted the company and asked them to provide the necessary documentation that proves the debt is valid, that they are authorized to collect it, and that the amount is accurate. So far, they have not provided any proper validation or documentation, but they have continued collection efforts, including phone calls and possibly reporting to credit bureaus.

I believe this may be a violation of my consumer rights, and I am requesting that all collection activity stop/deleted until the debt is properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: OR

Complaint narrative:
I am filing this complaint because both XXXX XXXX XXXX and TransUnion LLC are furnishing and maintaining conflicting and inaccurate information regarding my auto-loan account originally financed through XXXX. 
On XX/XX/XXXX, I executed a retail-installment contract for a XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX 
XXXX XXXX XXXX became the assignee and furnisher of that account. 
I have previously filed CFPB Complaint No. XXXX regarding TILA and disclosure violations ; this new complaint concerns FCRA accuracy and reinvestigation failures. 

After multiple disputes and CFPB filings : XXXX XXXX notified me in XX/XX/XXXX that my auto-loan balance was cleared/ paid off. 
2.TransUnion completed its reinvestigation and issued results stating : Verified as accurate and updated. The disputed item was verified as accurate ; however, other information has also changed. 
The update included new Date Updated, Rating, and Historical Trended Data. 
XXXX XX/XX/XXXX CFPB response simultaneously asserts that I have no right to rescind and that my account remains valid and owing. 

These records can not all be true at the same time. If the account were valid and open, XXXX XXXX would not display a XXXX or cleared balance. If it were closed or paid, XXXX should have reported that status uniformly to all credit bureaus and to the CFPB. 

Why This Violates the FCRA 15 U.S.C. 1681s-2 ( b ) A furnisher must conduct a reasonable reinvestigation and correct or delete inaccurate or incomplete data. XXXX continued furnishing of contradictory information shows failure to comply. 
15 U.S.C. 1681i ( a ) TransUnion must perform a reasonable reinvestigation and delete or correct inaccurate, incomplete, or unverifiable information. Verifying the item as accurate while simultaneously noting data changes and conflicting external reporting demonstrates an unreasonable investigation. 
15 U.S.C. 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy ; the inconsistent reporting between bureaus violates this standard. 

The inconsistent reporting has : Created confusion and reputational damage on my credit profile. 
Undermined my ability to obtain financing and accurate credit decisions. 
Forced repeated disputes and regulatory complaints to correct contradictory 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
Consumer complaint received 2025-10-08 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:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of 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 2025-10-08 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: GA

Complaint narrative:
Pursuant to FCRA 611, I demand deletion of the following tradelines that contain false, incomplete, or unverifiable information, constituting Metro-2 and FCRA violations XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ) Reported as Open Collection Account though payment status is Charge-Off.

Past Due {$0.00} but coded Late > 120 Days. Violations : FCRA 607 ( b ) ; Metro 2 Fields 17A & 25. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Three duplicate entries with differing DOA and status codes ; no clear Date of First Delinquency. 
Violates FCRA 623 ( a ) ( 5 ) & Metro 2 Field 25 requirement. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Misclassified as Installment Account instead of Medical Collection. 
Fails to list Original Creditor Address or assignment details. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX identical balance and past-due amount ( {$1800.00} ) for over 24 months with no activityconstitutes stale debt. 
FCRA 607 ( b ) and Reg V 1022.42 require data integrity maintenance. 
XXXX. XXXX XXXXXXXX XXXX  ( XXXX ), XXXX. 
Shows Collection or Charge-Off status but no FCRA 623 ( a ) ( 3 ) dispute notation.

Fails Metro 2 Field 71 ( Compliance Condition Code ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Reached out to person on XXXX to sign up for a XXXX XXXX vendor spot for the XXXX XXXX. They were on the expo page stating to reach out to them directly. They stated payments were being sent via Chime. I sent {$50.00} and then {$20.00} on XXXX. They then told me the next morning they were out of XXXX spots and asked for a XXXX for {$20.00} more. I sent them {$20.00} more on XXXX. I reported to both Chime and my bank. Neither will do anything since it was technically an authorized transaction. This is precisely why these people continue to target innocent people. They never get caught because no one cares. I reached out to the XXXX XXXX and they said they've been having a lot of problems this year and XXXX won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing an inaccurate and unverifiable collection account being furnished by XXXX XXXX in the amount of {$2300.00}. 

Each credit bureau is reporting different information and account numbers for the same XXXX XXXX collection : Experian : XXXX XXXX  : XXXX XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX These differences prove that the account is not identical or verifiable, which violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The bureaus also report different dates of first delinquency, open dates, and update dates, which shows conflicting data for the same debt. This further proves the information is unreliable and unverifiable. 

I have already disputed this account with each bureau, but they verified it through automated data matching without obtaining original documentation from XXXX XXXX. This violates FCRA 611 ( 15 U.S.C. 1681i ) because the investigation was not reasonable and lacked competent evidence.

Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverifiable information must be promptly deleted, and under FCRA 623 ( a ) ( 5 ), furnishers are required to report the true Date of First Delinquency accurately. These sections are being violated. 

Requested Resolution : Require the bureau to obtain full verification from XXXX XXXX, including the wet-ink signature contract and itemized billing statements, or Delete the XXXX XXXX collection account entirely from my credit report for failure to verify.

The continued reporting of this unverifiable collection violates FCRA 1681e ( b ), 611 ( 1681i ), and 623 ( a ) ( 5

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