vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-08 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Summary of the issue : In XX/XX/year>, I relocated to XXXX and requested American Express to downgrade my XXXX XXXX  card XXXX a XXXX  card, as I would no longer be able to use most XXXX  benefits while living abroad. 
Since then, I have experienced ongoing issues receiving my new XXXX card at my XXXX  address. American Express has attempted to send the card up to 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( + request to file internal complaint, plus from then on my regular platinum card was blocked ), but each attempt failed in the exact same manner. Despite my repeated requests for a resolution over the last XXXX months, no progress has been made. 

Ongoing issues include : - My original XXXX  card was deactivated, leaving me with no active physical card. 
- I can not receive the new XXXX card due to repeated delivery failures. 
- I can only use XXXX XXXX, which has limited functionality. 
- I can not redeem my credit card points, use card-linked offers, or manage my account because American Express requires the CSC ( Card Security Code ), which I do not have since I never received the card. 
- I requested a full transcript or record of my communications since XX/XX/year> this request was ignored. 
- My chats with customer service agents were frequently disconnected or dropped. 
- I requested that Amex escalate the issue internally twice and file a deviation ( process error investigation ), but I have not received any updates or follow-up since. 
- I requested to be transferred to the supervisor multiple times, but no resolution could be found Attempts to resolve the issue : - I have contacted customer service multiple times over XXXX months. 
- I escalated to supervisors and specifically asked for a process deviation to be filed. 
- I requested email or written confirmation and a timeline for resolution none was provided. 

Impact on me : - I have been without full access to my credit card account for XXXX months. 
- I am unable to use or redeem my accumulated credit card points. 
- I am unable to make necessary account changes or access services tied to the physical card. 
- I have experienced significant inconvenience and financial uncertainty due to lack of access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
They closed my account XX/XX/2025 saying I had XXXX accounts I have XXXX dollars in the account and they kept my money & I want what is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I filed a credit card dispute with Wells Fargo on XX/XX/year> ( dispute number XXXX ) for a {$130.00} USD charge from an XXXX train company. 

The charge was unauthorized and predatory. I had already purchased XXXX valid XXXX tickets for the same short train ride, but a train staff member required me to scan on my phone without disclosing any cost or showing a confirmation screen. I was not told the price, was not given a chance to decline, and later discovered a {$130.00} charge. I immediately opened a dispute and submitted documentation showing the original tickets and an explanation that I had already paid for the ride. 

Later, Wells Fargo emailed me that the dispute had been closed for failure to provide documentation in time. However, when I called, a representative confirmed that the documentation request had been sent only by physical mail, while I was traveling internationally and could not have received it. The representative agreed this was improper and told me the dispute was reopened, but I have not received any written confirmation or resolution since then. I provided all documentation over email. 

It has now been over XXXX months since my initial dispute. Wells Fargo has failed to provide written updates, clear communication, or a resolution. Under Regulation Z ( 12 CFR 1026.13 ), credit card issuers must resolve disputes within XXXX billing cycles ( not more than 90 days ) and must communicate requests for information in a reasonable and accessible manner. 

I am requesting that the CFPB compel Wells Fargo to : XXXX. Complete its investigation properly ; XXXX. Provide a written explanation for the premature closure ; and XXXX. Reverse the {$130.00} charge, which was obtained without informed consent.

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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using chime numerous of times and reporting discrepancies my financial institution and chime failed to investigate my claims adequately they informed that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPFs finding indicate chime has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving us vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
The company issued fake reports. False information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I am writing to report a serious issue that has negatively impacted my credit score. 

I have never held a bank account with Bank of America. However, an account under my name appears to be affecting my credit report. I contacted Bank of America nearly a month ago, and although they acknowledged the issue and stated it would be resolved, no action has been taken to date. 

I only became aware of this problem when XXXX XXXX unexpectedly reduced my credit limit from {$10000.00} to {$1000.00}. Upon reviewing my XXXX score, I was shocked to find that it had dropped significantly from an excellent rating ( around XXXX ) to a much lower score. 

This situation is causing undue harm to my credit, and I am not responsible for the account in question. 

Please advise how I can resolve this matter as soon as possible. I would appreciate your urgent attention to this issue. 

Thank you for your help. 

Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX XXXX XXXXXXXX XX/XX/year> -- {$530.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NV

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 2025-10-08 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: NV

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 non-monetary relief
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion still lists the debt, it was never owed and sent to XXXX in error, I have emails proving the debt is closed and should not have been sent to TransUnion. TransUnion violated the fdcpa.... and UDAAP by 1 ) not allowing me to upload the evidence of debt closure and removal from the system 2 ) not allowing a manual add of said evidence of dispute 3 ) not having manager available during a chat session with a " XXXX '' on XX/XX/2025 at XXXX XXXX this is a significant violation and when this XXXX we have running this agency is gone TransUnion should be investigated with a dispute process examination to verify and correct this violation of the credit reporting act and policy... 


These are serious violations considering the debt never should have been reported, was settled and removed by the originating company and the collecting company closed the account. 

Transunion did not even try to investigate the 1st dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I can't log in to my account, I want to solve this problem. 
I called and emailed them, but couldn't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: OK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects XXXX or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following tradeline is an inaccurate item on my credit report. 

Company or Organization XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX Date fraud began XXXX XXXXXX/XX/XXXX Date that I discovered it XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$410.00}

Company response to consumer: Closed with explanation