vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to formally dispute an account listed with all three credit bureaus under the furnisher name XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), with partial account number XXXX. This account appears on my credit file with TransUnion, Experian, and Equifax and reflects inconsistent and potentially inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ). 
Below are several inconsistencies and reporting concerns : 1. Inconsistent Opening Dates : TransUnion reports the account as opened on XX/XX/XXXX Experian and Equifax report it as XX/XX/XXXX These discrepancies indicate a failure to maintain uniform and accurate data, in violation of FCRA 1681e ( b ).

2.

3. Inconsistent Reporting Comments : TransUnion states : Account information disputed by consumer, meets FCRA requirements.

Experian says : Customer disputed account - reported by subscriber.

Equifax includes : Consumer disputes this account information. Subject has not satisfied debt.

These comments vary in tone, implication, and contenthighlighting a lack of consistency that could lead to confusion or misinterpretation by lenders or underwriters.

4.

5. Date Last Active Discrepancy : TransUnion lists XX/XX/XXXX, while Experian lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX Such significant differences suggest errors in data synchronization. 
6.

7. Balance & Past Due Accuracy : The reported balance of {$10000.00} is identical across bureaus, but none list a past due amount.

Yet the account is labeled Collection/Chargeoff and also stated to be unsatisfied on Equifax. This contradiction needs clarification and proper documentation as required by FCRA 1681i during reinvestigation.

I respectfully request a full reinvestigation of this account across all three credit bureaus. If the reporting entity can not verify the accuracy and consistency of the information with proper documentation, I request that this account be removed from my credit reports as required under FCRA.

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
This company was called to validate a debt. When I called asking for a validation of the debt, the next thing I know the debt was charged off and negative report was made to my credit report. The charge-off was done which means that the company wrote this off as a profit loss. They were therefore supposed to provide me with a 1099-C so that I could have reported it as income since they have received credit for this. I have not received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Credit Bureau Name, This letter serves as a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and applicable IRS regulations. I am demanding the immediate deletion or correction of multiple accounts reported on my consumer credit report that are inaccurate, incomplete, outdated, or otherwise misleading. 

XXXX. XXXX XXXX  ( Installment Loan ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Balance : {$38000.00} - Charged Off Balance : {$19000.00} - Status Updated : XX/XX/XXXX - Final Payment : XX/XX/XXXX - Terms : 75 months - Violation : Labeled 'Profit and loss writeoff ' but still reported as an active debt ; misleading under FCRA and IRS standards. - Violation : Reported as past due despite being charged off ; potential violation of IRS 1099-C reporting rules. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # : XXXX - Opened : XX/XX/XXXXXXXX XXXX Highest Balance : {$1000.00} - Charge-Off Amount : {$460.00} - Reported Balance : {$0.00} - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Continues to damage credit despite {$0.00} balance ; redundant reporting exists through XXXX XXXX XXXX ( below ) XXXX 
XXXX. XXXX XXXX XXXX ( Debt Buyer ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX  - XXXX : {$460.00} - Status : Collection account - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Duplicate reporting of same alleged debt from XXXX XXXX XXXX XXXX XXXX ) ; misleading and unlawful per FCRA 1681s-2. 
Violations of Federal Law 1. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ) 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.

You have been placed on notice. Reporting charged-off debts as active obligations, duplicating debt, and failing to note current dispute statuses violate federal law. 
2. IRS Regulations on Charge-Offs and Cancellations Debts over {$600.00} that are canceled or charged off must be reported to the IRS using Form 1099-C, as income not as outstanding debt. Your continued reporting misrepresents my obligations and misleads potential creditors.

Formal Demand for Immediate Action Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : A person shall not furnish information relating to a consumer if the consumer has notified the furnisher of inaccuracies and the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Credit Bureau Name, This letter serves as a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and applicable IRS regulations. I am demanding the immediate deletion or correction of multiple accounts reported on my consumer credit report that are inaccurate, incomplete, outdated, or otherwise misleading. 

XXXX. XXXX XXXX  ( Installment Loan ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Balance : {$38000.00} - Charged Off Balance : {$19000.00} - Status Updated : XX/XX/XXXX - Final Payment : XX/XX/XXXX - Terms : 75 months - Violation : Labeled 'Profit and loss writeoff ' but still reported as an active debt ; misleading under FCRA and IRS standards. - Violation : Reported as past due despite being charged off ; potential violation of IRS 1099-C reporting rules. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # : XXXX - Opened : XX/XX/XXXXXXXX XXXX Highest Balance : {$1000.00} - Charge-Off Amount : {$460.00} - Reported Balance : {$0.00} - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Continues to damage credit despite {$0.00} balance ; redundant reporting exists through XXXX XXXX XXXX ( below ) XXXX 
XXXX. XXXX XXXX XXXX ( Debt Buyer ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX  - XXXX : {$460.00} - Status : Collection account - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Duplicate reporting of same alleged debt from XXXX XXXX XXXX XXXX XXXX ) ; misleading and unlawful per FCRA 1681s-2. 
Violations of Federal Law 1. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ) 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.

You have been placed on notice. Reporting charged-off debts as active obligations, duplicating debt, and failing to note current dispute statuses violate federal law. 
2. IRS Regulations on Charge-Offs and Cancellations Debts over {$600.00} that are canceled or charged off must be reported to the IRS using Form 1099-C, as income not as outstanding debt. Your continued reporting misrepresents my obligations and misleads potential creditors.

Formal Demand for Immediate Action Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : A person shall not furnish information relating to a consumer if the consumer has notified the furnisher of inaccuracies and the information is, in fact, 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 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Under the FCRA ( 15 U.S. Code 1681 ), furnishers of information ( like creditors or debt collectors ) are required to report accurate information to credit reporting agencies.

1681s-2 ( a ) ( 2 ) : Duty to correct and update information A person who furnishes information to a consumer reporting agency must promptly notify the agency of corrections or updates if the information becomes inaccurate. I sent the company a pay to delete letter and they still reporting the paid account.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX my Capital One Checking Account went into negative XXXX. This was was an unauthorized withdrawal. This Charge was from XXXXXXXX XXXX XXXX XXXX The amount of XXXX was paid in full at this establishment at check In. My Capital One XX/XX/year>XXXX  bank statement reflects this charge XXXX. The hotel an additional charged me again for same amount on XXXX. Capital One allowed this transaction to go through even though the over draft protection on allows up to XXXX to be overdrawn. My account is now restricted and I need this overdraft cleared. It was unauthorized and should have never been processed. XXXX exceeds the overdraft protection amount of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zip Co US Inc.
State: NJ

Complaint narrative:
I owe {$140.00} to Zip ( formerly Quadpay ) and contacted their customer support in XX/XX/year>XXXX  because I am experiencing serious financial hardship. I explained that I can not pay the full balance right now, but I offered to pay {$20.00} every two weeks to resolve it. They immediately refused and said they do not offer payment plans or hardship support of any kind. 

Zip also warned me that my account would be sent to collections, which could damage my credit. I explained that I am trying to do the right thing and avoid long-term harm to my financial future, but they still refused any help. I was not given a chance to work it out or avoid being punished for a temporary situation I am struggling through. 

I am feeling overwhelmed and helpless. I believe Zips refusal to offer a fair solution is predatory and causes unnecessary harm to people in financial crisis. They provided no flexibility, no written explanation, and no way to avoid the threat of lasting credit damage. This is unfair, especially for a small balance, and Im doing everything I can to be responsible.

Please review this companys actions. I am asking for protection and support as a consumer in a difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MS

Complaint narrative:
I am a victim of identity theft, and XXXX  and/or the credit bureaus are reporting multiple fraudulent accounts on my file that I did not authorize, initiate, or benefit from in any way. 

The following accounts are the result of identity theft and were opened without my consent : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted my FTC Identity Theft Report ( # XXXX ), valid government ID, and proof of address. These are the legally required documents under FCRA Section 605B [ 15 U.S.C. 1681c2 ]. According to this law, all information resulting from identity theft must be blocked from my consumer report within 4 business days after receiving my documentation. 

These accounts are still appearing on my credit report in violation of federal law. This is unacceptable and unlawful. XXXX and/or any credit bureau continuing to report this information is in violation of : FCRA 605B Blocking of fraudulent information FCRA 611 ( a ) Failure to reinvestigate disputes FCRA 623 ( a ) ( 6 ) Duty to accurately report FCRA 616 & 617 Civil liability for willful or negligent noncompliance I am demanding immediate enforcement and compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: MS

Complaint narrative:
I am a victim of identity theft, and XXXX  and/or the credit bureaus are reporting multiple fraudulent accounts on my file that I did not authorize, initiate, or benefit from in any way. 

The following accounts are the result of identity theft and were opened without my consent : XXXX XXXX Account # : XXXX Amount : {$1000.00} XXXX XXXX XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$2900.00} I submitted my FTC Identity Theft Report ( # XXXX ), valid government ID, and proof of address. These are the legally required documents under FCRA Section 605B [ 15 U.S.C. 1681c2 ]. According to this law, all information resulting from identity theft must be blocked from my consumer report within 4 business days after receiving my documentation. 

These accounts are still appearing on my credit report in violation of federal law. This is unacceptable and unlawful. XXXX and/or any credit bureau continuing to report this information is in violation of : FCRA 605B Blocking of fraudulent information FCRA 611 ( a ) Failure to reinvestigate disputes FCRA 623 ( a ) ( 6 ) Duty to accurately report FCRA 616 & 617 Civil liability for willful or negligent noncompliance I am demanding immediate enforcement and compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Information from this company are on my credit bureau accounts and they are false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint because there is a hard inquiry on my credit report made by SANTANDER CONSUMER USA on the date of XX/XX/year>XXXX  which I did not authorize and did not apply for credit with them I have contacted the company directly and disputed the inquiry with the credit bureau XXXX, but I have not received any results under the fair credit report act credit inquiries must be authorized since I did not provide consent. This inquiry was made without my permissible purpose, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NJ

Complaint narrative:
Subject : Zelle Access Termination Across Multiple Banks Without Due Process or Explanation I have been permanently blocked from using Zelle across both XXXX  XXXX XXXX and XXXX XXXX  accounts. Zelle support ( Early Warning Services ) refuses to disclose what specific behavior or clause I violated, only citing the user agreement in vague terms. 

Both banks have informed me that they can not reinstate access, and Zelle offers no appeal process, no transparency, and no opportunity to correct or explain any alleged issue. 

I have never received a warning or specific reason for being flagged. I believe this lack of accountability and cross-bank blocking by a third-party service provider is unfair and potentially discriminatory. 

I am requesting the following : The exact reason and basis for the restriction Restoration of Zelle access, or a formal process to request reinstatement XXXX that my information ( email, phone, device ) is not permanently blacklisted without merit Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
We got a vehicle from XXXX, it was financed with Bridgecrest. 
We paid double the monthly payment, and assumed we would payoff the car in half the time. 
Eventually when I looked up how much was owed, it didn't make since, it was as of I didn't pay any extra at all. 
When I eventually got them to reply, they said they decided to changed the I terest rate to a daily interest rate. 
So instead of our payment paying the amount due, and the extra going toward the principal, they made it to where the interest was so high because it added up daily that our payment barely scraped the principal each month. 
Since paying extra did absolutely nothing, we tried to pay what our minimum payment were supposed to be, but we were told that our new minimum would be the payment we currently were making because the interest was a daily interest rate not the original interest we had when we got the vehicle. 
I still have all the paperwork if needed. I just wanted to make sure this is legal. Can a company change how they charge interest after the loan has started to be paid back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX I went on my cash app to send a payment to a customer. It popped up on my screen that my cash app was closed due to 'suspected gambling ' .. that is a false accusation .. Im XXXX XXXX and I managed  a few XXXX. Just because they assumed I was gambling they closed my cash app account. I can assure you that there was no gambling taking place. I need my cash app back opened so that me and my customers can send and receive payments. I'm only losing money and clients without cash app. I need someone to please help me to get it reopened..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding a collection account related to a former apartment lease that is currently being reported on my Equifax credit report by XXXX XXXX XXXX XXXX Despite previously disputing the account with the credit reporting agencies, it was returned as verified without providing proper documentation or evidence to substantiate the claim. 

Account Details : Creditor / Collection Agency : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Original Balance : {$2300.00} Current Balance : {$2300.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Reported : XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX I am disputing this collection for the following reasons : 1. Lack of Proper Validation : I have not received any documentation such as a copy of the lease, final move-out statement, or breakdown of the charges being claimed. I requested this information, and the collector failed to provide it, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

2. Inaccurate or Inflated Charges : I have reason to believe that the amount reported includes questionable or inflated fees ( e.g., damage charges, cleaning, or administrative fees ) that were not valid or never communicated to me at the time of move-out.

3. Improper Notification & Collection Practices : I was never properly informed of this alleged debt prior to it being placed into collections. This prevented me from resolving the issue directly with the property management or exercising my right to dispute it within the appropriate time frame.

4. Failure to Properly Reinvestigate ( FCRA Violation ) : The credit bureau
( s ) marked this account as meets FCRA requirements, but failed to explain or show what documentation was used to verify the debt. Without access to original documentation, this account should be deemed unverifiable and removed, in accordance with FCRA Section 611.

I am requesting the CFPBs assistance to : Require Fair Collections and Outsourcing to provide full validation of this debt, including a lease, itemized charges, move-out inspection reports, and legal assignment of the debt. Ensure that unverifiable or incomplete information is removed from m
y credit report.

Investigate whether the debt collectors reporting and handling of this account are compliant with FCRA and FDCPA. 

Thank you for your time and assistance. I look forward to your help in ensuring this issue is properly addressed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently reviewed my credit report and noticed my XXXX XXXX XXXXXXXX credit card account ending in XXXX that was not reporting accurately. It shows i had one late payment on the account but I was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This XXXX  XXXX XXXX account ending in XXXX has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year> shows 60 days late which is not accurate and impossible I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for understanding this and prompt action.

Company response to consumer: Closed with explanation