vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  XXXX Late Dates XX/XX/XXXX to XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Late Dates XX/XX/XXXX and XX/XX/XXXX. 

These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I initated balance transfer on or around XX/XX/year>. Interest charges appeared on my statement ( s ) starting XX/XX/year>. 


What Happened : I relied on Capital Ones advertised 0 % APR and 0 % balance transfer fee offer, which I recall receiving via the mobile app. After transferring {$9900.00}, I noticed interest charges approx 24 % ( my purchase APR ) on my statements, contrary to the promotional terms. When I contacted customer service XXXX XXXX, representatives claimed the transfer did not qualify for the promotional rate but provided no clear explanation or evidence. They also refused to send me the balance transfer agreement, hindering my ability to confirm the terms I agreed to. 

I contacted Capital One via phone XXXX XXXX, requesting the agreement and correction of the APR. They denied both requests without adequate justification. I have not yet submitted a written dispute but plan to send one to Capital One concurrently with this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Per 15 usc 1681 you are in violation of my rights to privacy by reporting non sublic personal information without my permission or consent I demand immediate deletion of this data and formally opt of any future reporting of such information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by 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 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint because Transunion has reported fraudulent account resulting from identity theft, I have submitted my formal dispute and supporting documentation ( including an FTC Identity Theft Report ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
According to the FTC Identity Theft Report filed on XXXX ( Report XXXX ), XXXX XXXX reported being a victim of identity theft and identified several fraudulent accounts that appeared on her credit reports. The report lists : XXXX credit card ( account ending XXXX ) opened around XXXX and discovered as fraudulent in XXXX, with {$790.00} in unauthorized charges. 
XXXXXXXX XXXX XXXX ( account ending XXXX ) opened XXXX, discovered XXXX, with {$2000.00} in fraudulent charges. 
XXXXXXXX XXXX XXXX  ( XXXX XXXX ) ( account number XXXX ) opened XXXX, discovered XXXX, with {$2800.00} in fraudulent charges. 
XXXXXXXX XXXX XXXX ( account ending XXXX ) opened XXXX, discovered XXXX, with {$650.00} in fraudulent charges. 
XXXXXXXX XXXX XXXX ( account XXXX ) opened XXXX, discovered XXXX ; no monetary loss was reported. 

XXXX submitted her current address ( XXXXXXXX XXXX XXXXXXXX ) and contact details, and affirmed under penalty of perjury that the above accounts were opened without her authorization. In her statement she specifically invoked FCRA Section605B and requested that the credit bureaus remove the fraudulent accounts from her credit file. Section605B requires credit reporting agencies to block information that a consumer identifies as resulting from identity theft and to prevent that information from being rereported once notified. XXXX asks the CFPB to ensure that XXXX, Equifax, and XXXX  comply with this requirement by removing the listed fraudulent accounts and by preventing them from reappearing on her credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC
State: AR

Complaint narrative:
I had a private student loan debt written off to profit and loss write off by the lender on XX/XX/XXXX after I was unable to continue making payments the middle of XXXX. The lender is XXXX  XXXX XXXX. I have now recently been contacted by a debt collector, D & A Services, nearly XXXX YEARS after the lender voluntarily wrote my debt off. The amount is over {$22000.00} and I absolutely can not afford to pay this. I have no money at all and cant afford to make monthly payments either. The debt collector has my account in a hardship status after I sent them an email explaining why I couldnt pay the debt and why Id never be able to pay the debt, but I know that wont last forever. I need both of them off my back and for both of them to leave me alone. The fact that the lender is trying to come after me almost XXXX years after they wrote it off is pretty XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the 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. They informed me that finding lost transactions is not something they can do. The XXXX findings has found that Zelle has neglected to protect me and has allowed other to utilize the system for corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sequium Asset Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt/ XXXX Request for Validation Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the validity of the above-referenced debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I request that you provide proper validation of this debt, including but not limited to : The name and address of the original creditor. The full account number of the alleged debt. A complete payment history, including copies of any alleged signed agreements bearing my signature.Proof that your agency has the legal right to collect this debt. 

Until you provide such documentation, you must cease all collection activity and stop reporting this account to any credit reporting agencies. If this debt is already being reported, you are required to mark it as disputed on my credit file in compliance with the FCRA. 

Please be advised that failure to comply with these requests will be considered a violation of federal law, and I will not hesitate to exercise my rights by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a {$680.00} collection account that does not belong to me. According to my credit reports, the account was opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The account is listed as Placed for collection and tied to me individually, but I have never entered into any contract or agreement with this company or any original creditor for this debt. I have disputed this account with the credit bureaus and requested proper validation directly from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). I specifically requested a copy of the original signed contract and verification of their authority to collect. To date, no such proof has been provided. By continuing to report and attempt collection without providing validation, XXXX XXXX XXXX XXXX is violating both the FDCPA and the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) : Right to request the source and proof of information. FCRA 611 ( a ) : Right to dispute and have inaccurate or unverifiable accounts removed. FCRA 623 ( a ) ( 1 ) : Furnishers may not report information they know, or should know, is inaccurate. FDCPA 809 ( b ) : Debt collectors must provide validation upon request and cease collection until then. This account is inaccurate, unverified, and damaging to my credit profile. Resolution I am requesting : Immediate removal of this account from all credit bureaus ( XXXX, Equifax, and XXXX  ). Written confirmation that XXXX XXXX XXXX XXXX will cease all collection and reporting activities related to this account. Assurance that no further attempts will be made to collect on this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> Issue : Account verification / accessing funds Company : Block, Inc. ( Cash App ) Details of Complaint : My Cash App account $ XXXX email : XXXX is holding funds pending identity verification. 

The in-app verification process is malfunctioning and does not process my documents. 

I have contacted Cash App multiple times via in-app chat, phone, and email. Support acknowledged the issue but has not resolved it.

Cash App requires verification only through the app, so my funds remain inaccessible indefinitely.

Resolution Requested : 1. Immediate correction of the verification malfunction or an alternative verification method.

2. Release of my held funds without further delay.

3. Assurance that no penalties or restrictions will be applied due to this technical issue.

Supporting Information / Attachments : Screenshots of app errors Email/chat transcripts with Cash App support Copy of certified letter sent to Block , Inc . 

XX/XX/year> My Cash App account username : $ XXXX  linked to email XXXX holding funds. I have repeatedly attempted to complete the identity verification, but the app is malfunctioning and will not process my verification. 

I have already contacted support multiple times and provided details Case # XXXX, but the issue remains unresolved. Since Cash App only allows verification through the app, I am now indefinitely blocked from accessing my own funds due to a technical error on your side. 

I am requesting : 1. Immediate correction of the verification malfunction, OR 2. An alternative method to complete verification ( secure email submission, video verification, etc. ), AND 3. Release of the held funds without further delay.

If this issue is not resolved promptly, I will have to escalate the matter by filing formal complaints with the CFPB and XXXX, in addition to my certified letter to Block , Inc .

I would prefer to resolve this directly with your escalation team and avoid further action. Please confirm receipt and escalate this immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account was not created by me. This is a fraudulent account i also reached out to the company to make them aware, the address and number they have on account has never belonged to me. This account was made fraudulently

Company response to consumer: Closed with non-monetary relief