vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains serious inaccuracies that have not been corrected despite my previous disputes. The account in question is XXXX, account number XXXXXXXX XXXX XXXX opened on XX/XX/year> with a reported balance of {$6200.00} and a charge-off status * *. This account is being reported in a way that is misleading, incomplete, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) Sections 607 and 611. 

I have repeatedly requested documentation to verify this accounts validity, the balance, and the timeline of delinquency leading to the charge-off. Neither XXXX nor TransUnion has provided me with any proper documentation or proof of accuracy. This failure to verify the account and correct errors is harming me financially and personally. The presence of this inaccurate charge-off is lowering my credit score, preventing me from accessing fair credit opportunities, and causing me unnecessary emotional stress and hardship. 

I believe that this account should not be reported in its current form, and I am requesting a formal investigation through the CFPB to ensure compliance with federal law. TransUnion and XXXX are both required to maintain accurate, complete, and verifiable records. If they can not provide proper documentation to support the accuracy of this account, I am asking for this account to be permanently removed from my credit report. 

This situation has gone unresolved for too long, and I am now seeking the CFPBs assistance to hold these companies accountable for their legal obligations under the FCRA and ensure that my credit report accurately reflects verified 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally complain about the unacceptable handling of multiple disputes that I have filed with your company. The referenced disputes ( XXXX, XXXX, and XXXX ) were submitted between XX/XX/XXXX and XX/XX/year>, for transactions that were either erroneous or involved damaged/not-as-described goods. 

Despite the disputes being acknowledged and placed in progress, no meaningful action has been taken by American Express. There has been no attempt to contact the merchants involved, no chargebacks have been initiated, and no updates have been provided to me through the online portal or via any other means. This complete lack of communication and effort to resolve the disputes in a timely manner is deeply frustrating and unacceptable. 

Your displayed Estimated Resolution dates have come and gone, and the disputes remain unresolved weeks past the promised timeline. This suggests a deliberate delay tactic rather than a good-faith effort to investigate and resolve these cases. 

If these disputes are not properly processed within the next week, and if I am wrongfully re-billed for these amounts, it will serve as further evidence of American Expresss failure to adhere to its own policies and regulatory obligations. 

If this matter is not resolved immediately, I will not hesitate to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any other relevant consumer protection agencies. 

I expect a prompt response and resolution to these disputes. Please provide written confirmation once the chargebacks have been initiated and the disputes have been formally resolved. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am filing this complaint regarding Resurgent Capital Services for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

On XX/XX/year>, Resurgent received, via USPS Certified Mail, my Failure to Validate Debt and Final Cease Collection Notice. The letter was signed for by XXXX XXXX, and I retain both the certified mail receipt and the return receipt card as proof of delivery. 

In my letter, I specifically requested that Resurgent provide proper validation of the alleged debt in accordance with 15 U.S.C. 1692g ( b ). Instead of complying with federal requirements, the company has continued to send me the same generic response letter that does not constitute debt validation.

I have made multiple prior requests for proper validation, but each time I only receive the same template response. To date, Resurgent has failed to provide the required documentation, including : Proof that they own the alleged debt or have been assigned the legal right to collect it.

A complete accounting of the debt, including itemized charges and credits. 

A copy of the original signed contract or other documents showing my legal obligation. 

Despite their failure to comply, Resurgent continues to attempt collection. This constitutes a violation of the FDCPA, specifically : 15 U.S.C. 1692g ( b ) : Continuing collection activity without providing validation.
15 U.S.C. 1692e : Use of false, deceptive, or misleading representations.

15 U.S.C. 1692f : Unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I was not informed or aware of the collection. It popped up on my credit in XX/XX/XXXX. Debt originated in XXXX. The amount is not correct. I'm being charged interest and they are repeatedly hitting my credit report as 60-90 days late motnhly for the last 16 months. The debt gets removed then added again by a different variation of thier company name. I've disputed this based on amounts I've requested the accounting to show what I am being charged for as I have already paid {$17000.00} dollars on this account in XXXX. I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX tradeline currently appearing on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX  The information being reported is inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

Basis of Dispute : Balance and status inconsistencies : The reported balance, date of last activity, and status of the account are not consistent across the credit reporting agencies. This demonstrates a failure to maintain accuracy under FCRA 607 ( b ).

Dispute notation errors : At least one bureau is not showing the proper account disputed notation, which is required under FCRA 623 ( a ) ( 3 ) when an account is disputed. 

Misleading charge-off reporting : The account is being reported in a manner that is materially misleading to potential creditors. A charge-off should be reported uniformly and accurately across all consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX tradeline currently appearing on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX  The information being reported is inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

Basis of Dispute : Balance and status inconsistencies : The reported balance, date of last activity, and status of the account are not consistent across the credit reporting agencies. This demonstrates a failure to maintain accuracy under FCRA 607 ( b ).

Dispute notation errors : At least one bureau is not showing the proper account disputed notation, which is required under FCRA 623 ( a ) ( 3 ) when an account is disputed. 

Misleading charge-off reporting : The account is being reported in a manner that is materially misleading to potential creditors. A charge-off should be reported uniformly and accurately across all consumer reports.

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 2025-08-23 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: Summit A*R, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, unverifiable, and non-compliant information being reported on my credit files by XXXX, XXXX, XXXX, and certain furnishers/collectors. 
# # # Background On multiple occasions, including disputes most recently in XX/XX/XXXX, I have submitted written disputes regarding inaccurate and unverifiable accounts on my credit reports. Despite this, the credit reporting agencies ( CRAs ) have failed to conduct reasonable reinvestigations as required by FCRA 1681i ( a ), and furnishers have failed to ensure accurate reporting as required by FCRA 623. 
# # # Accounts in Violation Based on my updated XX/XX/XXXXXXXX  reports, the following remain inaccurate/unverifiable : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$4600.00}. Reports updated in XXXX  despite being closed years earlier ( illegal re-aging, XXXX XXXX violation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$4300.00}. Balance static since XXXX. Reported as both " charged off '' and " past due '' ( XXXX XXXX XXXX XXXX violation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off {$710.00}. Balance unchanged for years. Inconsistent reporting across bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Appears as duplicate accounts ( {$2000.00} and {$850.00} ) under different names. XXXX XXXX prohibits duplicate tradelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports {$15000.00} charged-off vs. original loan {$13000.00}. 
Mathematically impossible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$730.00}. Balance coding inaccurate under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off {$5600.00}. Incomplete history, unverifiable. 
XXXX XXXX XXXX  Summit A * R ( Collection ) * * {$550.00} for XXXX XXXX. No validation received as required by FDCPA 809 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections {$4200.00} & {$1200.00}. Deleted from XXXX but still reported on XXXX  and XXXX  ( inconsistent and inaccurate ). 
# # # Violations- * * FCRA 1681e ( b ) * * Failure to ensure maximum possible accuracy.

- * * FCRA 1681i ( a ) * * Failure to reasonably reinvestigate disputed items.

- * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers reporting inaccurate information.

- * * FCRA 623 ( a ) ( 5 ) * * Re-aging of accounts ( improper updates with new dates ).

- * * FDCPA 809 ( b ) * * Collections reported without proper debt validation. 
- * * XXXX XXXX Compliance * * Improper coding of charged-off accounts, duplicate tradelines, and incorrect balance reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
My Cashapp was suspended for suspicious activity but i am the authorized user now i cant withdrawal my funds or send money people have sent me money and im not able to access it after the suspension i contacted them months ago and they said they were looking into it they never emailed me like they said they would

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute several accounts on my credit report that are fraudulent and were not opened or authorized by me. 

Please investigate these accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am formally disputing these fraudulent accounts. Please investigate, remove them, and provide me with an updated credit report as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OK

Complaint narrative:
I am writing to dispute several accounts on my credit report that are fraudulent and were not opened or authorized by me. 

Please investigate these accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am formally disputing these fraudulent accounts. Please investigate, remove them, and provide me with an updated credit report as required 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 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I don't recall having a relationship with this collection company CREDENCE RESOURCE MANAGEMENT , LLC. Please give proof that this account belongs on my credit report with my information and that my rights have not been infringed upon ; otherwise, terminate this account immediately in the right way and manner. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. When attempting to call them and ask them information about my account They also offer me to pay a amount of money with a high amount in the first place then they bring it down with the customer service discount which is a shame becouse they ask you for a fee of {$1.00} with a your personal debit card so they can have this removed with the continuation fee to proceed to have it disputed in their favor and have this removed. So basically they ask you to pay a fee to continue and if not they wont proceed to give you information of negative impact and what's on file etc. They also offer remove other negative marks of my credit report with different amounts to pay upfront and have it disputed with this company. I'm not associated with this company or know them at all. This negative report is effecting me in different ways by maintaining better credit for the present and future and it's effecting my score so bad that I can open a credit card under my name or loan under my name due to negative mark of this company on my credit report. Is also effecting me becouse I want to build a good relationships with other credit companies offering me credit /loans with their service. It's effecting me financially due to me no being able to open a good Card /loan under my name and this company is effecting my present and future of having a good credit score. I'm hoping with could be good people and mofe forward and if this is under my name I would to dispute it for identity theft knowing I never opened up to this company nor owe anything to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
They removed each positive payment that I made with discover from my credit report. I requested that the fraudulent late payments and negative charge off be removed and they removed everything positive and negative. I need my payment history updated. I only asked for these specific items to be removed not everything. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Ive attached the previous complain that Ive submitted with the accounts that I asked to be removed highlighted in red. I NEED MY PAYMENT HISTORY ADDED BACK TO MY ACCOUNT EXCEPT FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
Re : Formal FCRA Dispute Overlnd Bond Auto Loan ( Acct ending * * * * ) Background : I am formally disputing inaccurate and incomplete reporting regarding my Overlnd Bond automobile loan. According to the credit report, the account reflects : - Balance : {$0.00} - Highest balance : {$23000.00} - Status : Closed - Payment history : 100 % on-time payments, no lates, final payment made XX/XX/year>. 
Despite this perfect record, the account is reported only as " Closed '' with no positive notation, and has not provided me with the rightful credit scoring benefit for paying in full and on time.

Violations & Legal Codes : 1. Failure to Accurately Report Payment History ( FCRA 607 ( b ) ) The account is reported only as " Closed, '' omitting the accurate remark " Closed Paid as Agreed/ Paid in Full / Never Late. '' This fails the standard of maximum possible accuracy.

2. Suppression of Positive Data ( FCRA 623 ( a ) ( 1 ) ( A ) ) By coding the account as merely " Closed '' instead of " Closed Paid in Full, '' the furnisher failed to provide complete and accurate data to the credit bureaus.

3. Consumer Harm The omission deprived me of rightful credit scoring benefits for repaying a {$23000.00} installment loan on time. This misrepresentation materially harms me in seeking future credit.

4. Failure to Properly Reflect Credit Mix ( FCRA 607 ( b ) ) Installment accounts repaid in full positively impact a consumer 's profile. Suppressing this benefit misleads lenders about my creditworthiness.

Requested Resolution : 1. Correct remarks to : " Closed Paid as Agreed/ Paid in Full / Never Late. '' 2.Ensure this loan is coded and scored as a positive closed installment account, contributing to my credit mix.

3. Reinvestigate under FCRA 611 and provide written confirmation of corrections

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 2025-08-23 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: MD

Complaint narrative:
Satisfactory Accounts Reporting ( 7A Evidence ) The attached Satisfactory Accounts Reporting 7A identifies the following : 1. Paid and Satisfactory Accounts Accounts that were settled or paid in full but are marked REMOVE.

These must be corrected to reflect PAID / Satisfactory status, not derogatory.

2. Wrongful Removal or Omission Any account currently omitted must be re-inserted to ensure a complete and accurate credit history.

3. False Reporting Accounts misclassified as derogatory instead of satisfactory must be updated immediately.

Relevant FCRA Violations : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i ( a ) ( 5 ) : Duty to correct or delete inaccurate information.

1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputes within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MD

Complaint narrative:
Satisfactory Accounts Reporting ( 7A Evidence ) The attached Satisfactory Accounts Reporting 7A identifies the following : 1. Paid and Satisfactory Accounts Accounts that were settled or paid in full but are marked REMOVE.

These must be corrected to reflect PAID / Satisfactory status, not derogatory.

2. Wrongful Removal or Omission Any account currently omitted must be re-inserted to ensure a complete and accurate credit history.

3. False Reporting Accounts misclassified as derogatory instead of satisfactory must be updated immediately.

Relevant FCRA Violations : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i ( a ) ( 5 ) : Duty to correct or delete inaccurate information.

1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputes within 30 days.

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