vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
My Phone Number Was Incorrectly Flagged Request for Review and Reinstatement I am writing to report an issue involving my mobile phone number XXXX being incorrectly flagged or blocked, which is preventing me from using Zelle services. 

I believe this may have happened due to a mistaken report of fraud or scam activity associated with my number. I want to assure you that I am the rightful owner of this number and have never used it for any fraudulent or malicious activity. 

I have already contacted my bank, but they were unable to resolve the issue on their end and recommended I reach out directly to you. I am requesting that you : Review the status of my phone number in your system Provide any information you can about why it was blocked Assist in reinstating my access to Zelle I can provide documentation such as : A copy of my phone bill showing ownership of the number Government-issued ID Any other verification needed Please let me know what steps I need to take to clear this issue and restore Zelle functionality . 

Thank you for your help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I filed a dispute with the bank on fraudulent transaction on my acct for {$500.00}, after someone stole my phone and sent funds to another party without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CO

Complaint narrative:
I am disputing the following account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. TRANSUNION claims they were verified in response to prior disputes, but has not provided any documentation or explanation of verification, which is insufficient under FCRA 611. Because the accounts are unverifiable, they are inaccurate and must be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute several unauthorized hard inquiries that appear on my TransUnion credit file. These inquiries were not initiated by me, and I did not give authorization for these companies to access my credit. 

The fraudulent inquiries are listed below : XXXX XXXX  XX/XX/year> XXXX XXXX  I XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> I have included my FTC Identity Theft Report as proof of fraud. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these inquiries from my credit file. 

Please investigate this matter promptly and provide written confirmation once these fraudulent inquiries have been deleted.

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 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The issue began with a XXXX XXXX XXXX, which I applied for and received in approximately XXXX. After making an initial purchase and paying it off, I subsequently used the card for other transactions. 

XXXX XXXX Closed down and debt was transferred some where else, I was not able to obtain any documents from XXXX XXXX and had to go through several different places to try to get some information on what was going on. 

In XXXX during covid and anticipating financial difficulties due to a pending divorce, I contacted the company to request the account 's closure, intending to pay off the outstanding balance. While the representative indicated agreement, I continued to receive statements with accruing interest. Subsequent debt collection calls prompted me to reiterate the account closure request, which was not honored. 

The debt was transferred to multiple collection agencies, and each time, I contacted them to dispute the increasing, allegedly incorrect, past-due amount, emphasizing the account 's intended closure. 

In XXXX, I received a notice of a lawsuit from the company, and after appearing in court, both the mediator and the company representative acknowledged my situation but stated there was nothing that could be done. I was then forced into a judgment to pay {$25.00} per month, and then {$50.00} per month to try to pay it off, despite my explanation of being a XXXX XXXX XXXX XXXX XXXX. Neither the company nor the mediator seemed concerned by this. 

The company who took me to court is XXXX XXXX XXXX, XXXX, In Care of Comenity Bank. 

I am now facing a return court date because I missed two payments, totaling {$100.00}, due to financial hardship. 

I believe the actions taken against me are unfair and unjust. Once an account is sold to a collection agency, the debt should be considered written off by the original creditor, and the continuous accumulation of interest across multiple agencies is unwarranted. A significant portion of the debt is attributable to interest accrued over several years, despite my repeated attempts to cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I previously filed a complaint with the CFPB against XXXX XXXX regarding an alleged account. Instead of resolving my dispute, XXXX XXXX retaliated by submitting my account to the credit bureaus as a collection entry after my complaint was filed. 

This action is retaliatory, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A debt that is disputed must be reported as disputed by consumer, and companies are prohibited from punishing consumers for exercising their rights.

What I Am Requesting : 1. Removal of this retaliatory collection entry from my credit reports.

2. Enforcement requiring XXXX XXXX to comply with federal law. 
3. Review into whether XXXX XXXX is engaging in this behavior with other consumers. 

Reference : My prior complaint was submitted on XX/XX/XXXX and I was given information by the debt collection agency it was. submitted on a date after they received my complaint. Attached I forwarded the ID they sent me along with that patients chart as " proof '' MY services were rendered. I uploaded proof of my constant complaints as well as XXXX reviews but in their response they say I expressed being happy with my result in a review with no proof and care credit accepted that with no proof.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am filing this complaint because the credit reporting agencies have failed to provide proper verification that certain accounts listed on my credit file actually belong to me. I previously disputed these accounts directly with the credit bureaus, but they returned results without providing sufficient documentation or proof of ownership.

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) and Section 611, I have the right to request that the credit bureaus verify accounts by providing proper documentation such as signed contracts, applications, or original account records that establish these debts as mine. To date, no such documentation has been provided. 
The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why I am disputing : The bureaus have not provided signed contracts, account applications, or original account-level documentation proving that I am financially liable for these debts. 
Simply verifying with the furnisher is not sufficient under FCRA the law requires that accurate and verifiable records be maintained and provided when requested. 
Until proper proof is provided, these accounts should not be reported as mine. 
What I am requesting : A complete reinvestigation of these accounts. 
Written proof and documentation ( e.g., signed applications, contracts, account statements ) verifying that I am the responsible party for each account. 
Deletion of any account that can not be properly verified as required by law. 
Confirmation that my consumer rights under the FCRA ( Sections 609 and 611 ) are being honored.

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 2025-09-01 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: HI

Complaint narrative:
I am filing this complaint because the credit reporting agencies have failed to provide proper verification that certain accounts listed on my credit file actually belong to me. I previously disputed these accounts directly with the credit bureaus, but they returned results without providing sufficient documentation or proof of ownership.

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) and Section 611, I have the right to request that the credit bureaus verify accounts by providing proper documentation such as signed contracts, applications, or original account records that establish these debts as mine. To date, no such documentation has been provided. 
The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why I am disputing : The bureaus have not provided signed contracts, account applications, or original account-level documentation proving that I am financially liable for these debts. 
Simply verifying with the furnisher is not sufficient under FCRA the law requires that accurate and verifiable records be maintained and provided when requested. 
Until proper proof is provided, these accounts should not be reported as mine. 
What I am requesting : A complete reinvestigation of these accounts. 
Written proof and documentation ( e.g., signed applications, contracts, account statements ) verifying that I am the responsible party for each account. 
Deletion of any account that can not be properly verified as required by law. 
Confirmation that my consumer rights under the FCRA ( Sections 609 and 611 ) are being honored.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
Money being taken from account and full payments not being received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inconsistent and inaccurate credit reporting by XXXX, XXXX  and Equifax, in relation to a bankruptcy that has already been removed from my XXXX  credit report as of XX/XX/year>. 

I did not authorize or consent to the release or sale of this bankruptcy record for any consumer reporting purposes, including its use by credit bureaus. To my knowledge XXXX may have obtained the record solely through XXXX  or another public data source without adequate verification. The U. S. Bankruptcy Court does not report to credit bureaus. 

Despite submitting multiple disputes and requests for correction starting in XX/XX/year>, both XXXX  and Equifax continue to report this bankruptcy on my credit file. XXXX, after reviewing the matter, rightfully deleted the entryindicating that it was either inaccurate, unverifiable, or no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA ). However, the other two bureaus have failed to take any corrective action. 

XXXX  : Deleted the bankruptcy from my credit file on XX/XX/year>. 
XXXX  XXXX Equifax : Continue to report the bankruptcy despite multiple disputes and evidence provided. 
Dispute Timeline : I began requesting deletion and submitted disputes with both bureaus in XX/XX/year>, with follow-ups submitted multiple times since then. 
This inconsistency is a violation of the FCRA 's requirement for maximum possible accuracy in consumer reporting and raises serious concerns about the integrity of the information being reported by XXXX  and Equifax. Additionally, this inaccurate and inconsistent reporting has negatively affected my credit standing, causing harm in the form of denied credit applications and unfavorable loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A saleman from XXXX  came to my door ask me for id and debt card for service of {$20.00} down but give my information to someone to close my account down and stop my banking online and send money from gift cards out my account this never happened unit XXXX  sales man took copy 's of my id and debt card XX/XX/year> and my bank got hacked XX/XX/year> he put my information in his cellphone I believe

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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