vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I attempted to make an ATM withdrawal on XX/XX/year> for {$500.00}, plus the ATM fee it totaled to {$500.00}, But the ATM didnt dispense any money I received {$0.00} from the ATM, The ATM printed a receipt that says it could not complete my withdrawal and to contact my bank to be credited correctly, the ATM also said that on the screen so I have a picture of the ATM saying it couldnt complete my withdrawal and I have a receipt saying the same. I call current to file a dispute on XX/XX/year> which is a day later because they told me I had to wait until the transaction was not in pending, I talked with an agent he filed my dispute for an ATM withdrawal for {$500.00}, I sent them the proof I stated I have above he then submitted my dispute I received an email at XXXX XXXX  that my dispute was under investigation, approximately 20 minutes later I received an email that my dispute was closed in the reason they closed it is because the ATM did dispense the XXXX $ to me which it didnt. When I spoke on the phone with the agent I asked him how long does these disputes usually take he said a little longer because Current has to contact XXXX, XXXX has to verify rather I did or didnt receive the funds then XXXX  contacts them back in thats how they give me a decision on my dispute, so what Current is telling me is they contacted XXXX had them run theyre ATM during operational hours and XXXX  contacted them back in told them I received money from theyre ATM ALL WITHIN 20 min. Thats impossible even the agent with current agreed with me he said that theres no way they could have contacted XXXX in gotten a response in 20 min in regards to an disputed ATM withdrawal I dont have to work for them to know that doesnt make any logical sense, I have all the proof or documentation needed for my dispute I believe what Current banking app is doing is illegal and is violating my consumers protection regulations I dont think the outcome is fair I believe Im being bullied by a company that needs to be held accountable for is scam like actions, I believe they never contacted XXXX bank today XX/XX/year> like they stated to get the decision they did for my disputed charge I think they took it into theyre own hand to just close my dispute without investigating or providing a provisional credit which I read my dispute was eligible for after 10 business days in they need d more time to make a decision, Im being treated unfairly by a company who may be doing this to thousands of theyre customers Im just one thats going to speak up these days are hard I dont have XXXX $ to just lose I really need my money this is going to end up affecting other things in my life if I dont receive the money CURRENT STOLE from me I have bills and things to handle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: DISCOVER BANK
State: NY

Complaint narrative:
I received notifications from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that over the last two days at least three hard inquiries appeared on my credit report. I contacted each of the companies tied to these inquiries and they confirmed that somebody had tried to open a credit card using my name and an old address. These companies each confirmed that the account would be rejected. However, not all of the companies would provide me with this confirmation in writing. 

Next, I reached out to the three credit bureaus and informed them that these inquiries were made due to fraud. I believe this was also tagged as a dispute with each of the bureaus. XXXX  said I should also file a dispute with the FTC and/or CFPB. ( The FTC does not appear to be accepting disputes due to the current government shutdown. ) Finally, I put a freeze on my credit. I also purchased XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I have called lockhart morris and montgtemry asking for information they have in file against me and I have been requesting for chain of assignment on how they recueved inforsmtion on me to collect from me and they still can not provide information to me under the FRCA or FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and TransUnions continued reporting of inaccurate information. On XX/XX/XXXX, I paid {$2700.00} toward my XXXX XXXX balance. On XX/XX/XXXX, XXXX XXXX reduced my credit limita retaliatory act while I was disputing their illegal reporting through your bureau. 

TransUnion has also failed to delete multiple unauthorized hard inquiries previously identified : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Leaving these entries after investigation violates 15 U.S.C. 1681i ( a ) and 1681e ( b ). Each instance constitutes a separate FCRA violation.

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 2025-10-16 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: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and TransUnions continued reporting of inaccurate information. On XX/XX/XXXX, I paid {$2700.00} toward my XXXX XXXX balance. On XX/XX/XXXX, XXXX XXXX reduced my credit limita retaliatory act while I was disputing their illegal reporting through your bureau. 

TransUnion has also failed to delete multiple unauthorized hard inquiries previously identified : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Leaving these entries after investigation violates 15 U.S.C. 1681i ( a ) and 1681e ( b ). Each instance constitutes a separate FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Credit Bureau or Furnisher, I am formally disputing the accuracy and completeness of the XXXX XXXX account listed above, as reported on my credit report.

This account reflects 45 consecutive months of delinquency, a 100 % utilization rate, and an outstanding charged-off balance of {$8800.00} as of XX/XX/XXXX. 

After careful review, I have reason to believe that this reporting is inaccurate, incomplete, and misleading in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

1. Violation of Accuracy and Fairness Requirements Under 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy. 
In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ), the court held that CRAs must do more than merely parrot information from furnishers. 
Reporting a closed account with a 100 % utilization and continuing past-due balance violates 1681e ( b ) and 1681i ( a ).

2. Incomplete or Misleading Data 1681s-2 ( b ) Under 1681s-2 ( b ), furnishers must conduct a reasonable investigation.

In Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX ), technically accurate but misleading information was deemed a violation. 
Reporting a charged-off account with a current past-due balance is misleading. 

3. Improper Reporting of Charge-Off and Balance If the debt was charged off and transferred, Capital One may not report a balance owed.

See Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. XXXX ). 

Requested Action 1. Conduct a full reinvestigation of this tradeline.

2. Provide written verification of balance, ownership, and charge-off details.

3. Delete or correct if verification can not be substantiated.

4. Provide an updated credit report within 30 days.

Supporting Case Law References- Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ) - Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX ) - Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. XXXX ) - Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. XXXX ) Please confirm receipt of this dispute and notify me once reinvestigation is complete. 
Enclosed are copies of my identification, proof of address, and the disputed credit report page. 

Sincerely, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Remove ASAP.

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 2025-10-16 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Well I am with the capital one 360 checking and the lawsuit and wrong doing done to customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am submitting this complaint regarding SUNRISE CREDIT SERVICES, INC., who is attempting to collect an alleged debt associated with XXXX  of XXXX account number XXXX, with the amount claimed being {$8200.00} or any other amount they assert. Upon viewing my credit report, I noticed that this account is reported as a charge-off. However, the debt has not been properly validated, and I dispute their attempt to collect this debt. SUNRISE CREDIT SERVICES , INC. has failed to provide any documentation to substantiate the alleged debt, and their collection activities are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any information verifying the debts validity, including the address of original creditor, and proof of their legal authority to collect on this alleged debt. I request the following actions from the CFPB : Investigate Sunrise Credit Service , Inc. for their failure to provide validation of the debt as required under 15 U.S.C. 1692g of the FDCPA ; ensure that SUNRISE CREDIT SERVICES, INC. ceases all collection activities on this alleged debt, including reporting it to credit bureaus, until they provide proper validation documentation ; demand that any reference to this debt, including the charge-off status reported on my credit report, be removed due to the lack of verification and substantiation ; and take corrective action to ensure SUNRISE CREDIT SERVICES, INC. complies with their legal obligations under the FDCPA and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information is reported on consumer credit files. It is my belief that Sunrise Credit Service , Inc. is violating my rights by attempting to collect a debt without proper validation, which has caused harm to my credit report and financial well-being. I ask the CFPB to ensure that SUNRISE CREDIT SERVICES, INC. adheres to the law and removes any and all references to this alleged debt from my credit file. Furthermore, I request that SUNRISE CREDIT SERVICES, INC. cease all collection activities on this alleged debt unless they provide the necessary validation as required by federal law. Thank you for your attention to this matter. I trust that the CFPB will assist in investigating this issue and help ensure my rights as a consumer are protected.

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 2025-10-16 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My ex wife prior to our divorce took out a number of loans electronically in my name unknown to me. 
I was given sole legal custody of our children under the provision that I took on all legal debt. 
I didn't find out until well after the fact. 
I have attempted to dispute this with the company and credit bureau on multiple occasions. I never filed a police report, I didn't know I could. And now I've received a letter that they're planning on garnishing my wages. 

This was also supposed to be hand delivered to me and was just shoved in my mail box

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: PA

Complaint narrative:
After receiving the company 's response, we contacted them on XX/XX/year> to obtain an email address to send a lump sum offer to settle the debt. An email was sent on XX/XX/year> with the offer. The associate wanted to discuss the offer over the phone and we declined stating we wanted to discuss all offers in writing. He stated he wanted to see if what we were offering was reasonable and he could help us. I explained again I wanted to offer the lump sum In writing nothing verbally. He reluctantly offered the email address XXXX. We sent the email after ending the call. We received a call from the company today, XX/XX/year>, stating they never received an email. We confirmed the email with the representative XXXX and forwarded the original email to them again. They would not confirm if they received the email because the person was in " a meeting. '' He again tried to negotiate the lump sum information. We declined and he proceeded to state that they needed to know the offer because a low ball offer would not be acceptable. We stated we won't discuss the offer amount unless it's in writing. He then proceeded to ask for our personal financial information including if we rented or owned our home, our monthly expenses, how much we make, etc to " negotiate '' our debt. I ended the conversation after he requested this information. After doing some research we decided to contact the company to cease all verbal communication. We contacted the company via phone requesting to see all phone contacting requesting all communications be done via email. We spoke with the supervisor, XXXX XXXX, who the original email was sent to with the lump. She stated they can not send information to us via email and will only send a debt verification but nothing else. She stated they can not solely communicate with us in writing and they don't have to comply with that request. She stated our lump sum offer was declined because it was below the authority. We asked her to send the negotiation requirements in writing she refused. She stated they would cease calls and send a counter offer in writing but nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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, 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 2025-10-16 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief