vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling 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 the recovering lost funds was unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but also has 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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is denying credit card charges by saying the merchant has already refunded the charge even when the refund they reference is for a different purchase. For claim ID XXXX for {$150.00} ( charge with XXXX ) BofA reversed the temporary credit in this amount claiming that a prior refund from XXXX applied to this charge. This was a completely different purchase from XXXX XXXX for claim ID XXXX, BofA reversed the credit of {$370.00}, claiming XXXX had already refunded part of the purchase. My entire dispute was about XXXX not refunding the FULL amount of the purchase. BofA is rejecting this dispute on the basis that XXXX refunded about half the purchase which is stupid as the entire dispute is about why they aren't refunding the entire amount. 

BofA is clearly just looking at accounts and declining disputes where they see any refund on a customer 's account from the same merchant. This is XXXX and wrong.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because an account reported by XXXXXXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> ) is being shown with a late payment across all three major credit bureaus XXXX Experian, and XXXX  despite the fact that this entry is completely inaccurate. The account was never past due, nor was there any missed or delayed payment associated with it. It should not reflect any derogatory activity of any kind. 

Over the past months, I have repeatedly disputed this error directly with the credit bureaus, providing supporting documentation that clearly demonstrates my payment history was consistent and timely. However, the bureaus responses have been dismissive and incomplete. They continue to verify the late payment status without presenting any real evidence or conducting a meaningful investigation. This creates a serious breach of accuracy under the Fair Credit Reporting Act, which requires that all consumer information be verified with the maximum possible accuracy. 

Its extremely concerning that a single incorrect notation especially one suggesting delinquency can so deeply affect a consumers credit standing and financial reputation. This error has caused me distress, frustration, and unnecessary difficulty in maintaining fair access to credit opportunities. I take my payment obligations seriously, and it is disheartening to see that my reliability is being misrepresented due to reporting negligence or automated verification systems that overlook factual details.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 am formally disputing inaccurate information on my credit report that misrepresents my financial history. My report lists Late/Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} * *, which do not reflect my accurate payment history. It also lists charge-offs : XXXX  XXXX XXXX * * {$2400.00} ( 1099-C ) * * and XXXX  XXXXXXXX XXXX XXXX {$6100.00} * *. I dispute the XXXX  XXXX XXXX, as under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation, and furnishers must comply with 15 U.S.C. 1681s-2 ( b ) to report accurately. Reporting 1099-C incorrectly misleads lenders and negatively impacts credit. 1681e ( b ) requires maximum possible accuracy, and 1681c-2 protects against inaccurate or unverifiable information. These inaccuracies have caused confusion and harmed my financial standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing inaccurate information on my credit report that misrepresents my financial history. My report lists Late/Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} * *, which do not reflect my accurate payment history. It also lists charge-offs : XXXX  XXXX XXXX * * {$2400.00} ( 1099-C ) * * and XXXX  XXXXXXXX XXXX XXXX {$6100.00} * *. I dispute the XXXX  XXXX XXXX, as under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation, and furnishers must comply with 15 U.S.C. 1681s-2 ( b ) to report accurately. Reporting 1099-C incorrectly misleads lenders and negatively impacts credit. 1681e ( b ) requires maximum possible accuracy, and 1681c-2 protects against inaccurate or unverifiable information. These inaccuracies have caused confusion and harmed my financial standing.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was at work on XX/XX/XXXX and when I went on break I had a fraudulent transaction notice from my bank for transfers to cash app. When I checked my bank account I noticed it had drained roughly 90 % of my money in my account, I first contacted my bank and they put my card on hold and told me to contact cash app, when looking to my cashapp I noticed all my money was transferred out. Then I contacted cash app via phone support and I informed them of the situation being the transfers from my bank to cashapp then out to Apple Pay, this varies in amounts to {$510.00}, {$200.00}, {$300.00}, {$300.00}, {$250.00}, {$250.00}, {$180.00} and they told me they were taking note and filing a dispute and I would receive an update, after nearly XXXX weeks I decided to contact them again after receiving no updates and they have told me they have no dispute on file for any of the transactions and when I pushed for answers I was told to stop asking about it and if I had questions ( my question the whole time was what happened to my previous dispute I filed ) then they asked again for the transactions and full explanation after I already gave them it in the original dispute and when I contacted them again just minutes prior.

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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 I 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 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: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime credit card reports to the credit bureaus like Ive used money of theirs. It is my money from my payroll check but it reports that Ive utilized 130 % of my credit card so it affects my credit card usage which lowers my credit score.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently appearing on my credit report. My report lists a Late/Open account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a Balance Owed of {$980.00} with Late Days reported in XXXXXXXX XXXX and XX/XX/year> ( XXXX days ). The reported late payments do not reflect my actual payment history and are therefore inaccurate. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of disputed information, and furnishers must comply with 15 U.S.C. 1681s-2 ( b ) to ensure accurate reporting. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy, and 15 U.S.C. 1681c-2 protects consumers from the reporting of inaccurate or unverifiable information.The continued reporting of these inaccuracies has caused confusion and negatively impacted my financial standing

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX Last XXXX of SSN : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Accounts Identity Theft Reported To Whom It May Concern, I am writing to formally dispute several fraudulent and inaccurate accounts currently being reported on my credit file. These accounts do not belong to me. I am a victim of identity theft, and the listed items are the result of unauthorized use of my personal information. 

A police report was filed documenting my identity theft case. Although I no longer have a copy of the report, it confirms that I am a verified victim of fraud. I am providing this written dispute in good faith and request immediate action to correct my records. 

In accordance with the Fair Credit Reporting Act ( FCRA ) specifically Section 611 ( 15 U.S.C. 1681i ) and Section 605B ( 15 U.S.C. 1681c-2 ) I am requesting that the credit bureaus : XXXX. Investigate each of the disputed accounts. 
XXXX. Verify the accuracy of the information directly with the furnishers. 
XXXX. Delete or block all unverifiable or fraudulent accounts. 
XXXX. Provide written confirmation of the results and an updated copy of my credit report. 

I have enclosed copies of my identification and proof of address for verification. Please process this dispute within 30 days as required under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX Last XXXX of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am submitting this formal complaint regarding unauthorized hard inquiries that appeared on my credit report under the name America First Credit Union. I do not recall authorizing or applying for any financial products or services with this institution. These inquiries are negatively affecting my credit standing and may be the result of fraudulent activity.

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: EQUIFAX, INC.
State: TX

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 I 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 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: NC

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute more than XXXX days ago and I have submitted previous disputes before that. Despite multiple requests, all three credit bureaus continue to report inaccurate and unverifiable information and have not provided documentation or verification to support the reporting of the disputed items listed below. 

Disputed and Inaccurate Information Incorrect Personal Information Former name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations The credit bureaus have failed to fulfill their duties under the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification and details of how the information was confirmed. 

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. 

To date, I have not received documentation showing how any of these items were verified, nor have I been provided with contact information for the furnishers or any records used during the verification process.

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