vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I was defrauded through Zelle for {$160.00}. I saw an item listed for sale on XXXX ( a XXXX jacket ) and was instructed to pay via Zelle to XXXX XXXX, phone number XXXX ( XXXX ) XXXX. 

I sent the payment through my banks Zelle service. After sending, I discovered numerous reports online that this seller and phone number are linked to scams, with other victims confirming they never received items. 

I immediately contacted my bank and Zelle support to report the fraud and request reversal or reimbursement. I also filed a report with the Federal Trade Commission ( FTC Report # XXXX ) and have documented evidence of the transaction, including screenshots. 

Despite this being clear fraud, I was told that Zelle payments are considered final. This policy leaves consumers unprotected from scams, even when the payment was induced through deception. 

I am requesting : A full reimbursement of the {$160.00} fraudulent transfer, An investigation into the scammers Zelle account, and Stronger fraud protections for Zelle users who are tricked into sending money under false pretenses. 

This scammer is actively targeting consumers through XXXX and Zelle, and I do not want other victims to lose money the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
On XX/XX/year> I was a victim of fraud I received a report on my credit file which is fraud from XXXX XXXX XXXX  the original service is for XXXX XXXX XXXX this is the second time this year they have done fraud on my credit. First time was XX/XX/year>. The XXXX is for {$1100.00}. And the account was opened XX/XX/year> Account number is XXXX. I filed a dispute with experian XXXX and they said it was checked out which makes absolutely no sense because they never ran a credit check because my credit has been. Frozen for over XXXX  years and I have never provided any identification what so ever to approve this account at all. Nor have I ever been to XXXX XXXX. I am requesting for this fraud account to be immediately removed from my account as was the other same fraudulent account removed. I am also asking for XXXX XXXX XXXX to provide better fraud services in there company this is the second time they have been able to use my information without any prof or id or anything. So my complaint is with experian for not doing proper investigation with my information also with XXXX XXXX XXXX and XXXX XXXX XXXX for damaging my credit score.

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 2025-08-20 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-20 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-20 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
2nd Attempt requesting the update 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 2025-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wolf River Development Company
State: CA

Complaint narrative:
I am a California resident who obtained a {$640.00} loan in XX/XX/year> from Crane Financial, serviced by XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX XXXX ). The loan carried a 772.84 % APR, far above Californias legal rate caps. I made a payment of {$310.00} on XX/XX/year>. 

On XX/XX/year>, XXXX XXXX sent a wage garnishment demand letter directly to my employer without a court order for {$860.00}. California law requires a valid judgment before wages can be garnished, and wage assignments are revocable. I have not been sued and no judgment exists. 

Their actions are misleading, predatory, and unlawful under California law. I request that the Attorney General investigate XXXX XXXX practices, stop them from contacting my employer, and take action against them for making illegal high-interest loans to California residents XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-08-20 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: CO

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
The person contacted me through XXXX because they liked XXXX of my photos and wanted to use it to create a painting. I told them I had no problem with that and asked what their offer was. They told me they would pay me {$300.00}, and I agreed. Then, they said that the client who wanted the photo to display at a XXXX event would be contacting me to send me a check. 

I deposited the check because they told me they would send me XXXX checks in total, as they wanted me to pay the artist  who was going to create the artwork, and that I could keep my {$300.00}. I thought it was real because they sent me the checks, all from the same company, so I deposited them. 

I was planning to contact the bank to let them know about this, but the bank was already closed when this happened on XX/XX/XXXX. I decided I would call on Monday to inform them and make sure the checks were legitimate. 

Over the weekend, I started thinking that {$300.00} was too little for my art, so I told them I believed my work had more value. They then asked if {$800.00} was okay, and I said yes. That is when I started to suspect it was a scam, because the check they sent was from a different company name. 

I waited until Monday to alert the bank, but when I told them, they did not give me the full procedure of what I needed to do. Today, they closed my account and told me I had to file a claim to report it as fraud. I told them that this was not explained to me on Monday. 

Now, I have a negative mark on my consumer report because the account went negative due to the amount of the check. I told the bank I have all the evidence that I am a victim of this scam. I have now started researching the process to clear my name, and I am beginning with this statement so that tomorrow I can go to the police station and file an official report.

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 2025-08-20 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: Coinbase, Inc.
State: FL

Complaint narrative:
Hello! Sorry to have to contact you, but : I created a XXXX with Coinbase XXXX app, and was prompted to create XXXX XXXX acct tied to my XXXX. They also give each customer an Address XXXX, and allow creation of the .XXXX as easier access than the LONG Address XXXX address. I was given a recovery phrase to access my XXXX XXXX, which references both Address XXXX and my unique .XXXX. I transferred money into my Address XXXX and .XXXX  a couple of days later, so everything was working/ confirmed. My phone offloaded the app to save space ( not voluntary ), so when reloading the Coinbase wallet app, when I use my recovery phrase it only pulls up Address XXXX in XXXX XXXX, but not my .XXXX. I have contacted their customer service and was met with the most basic FAQ troubleshooting ( just use your recovery code, etc ) with no resolution. I used their system to create the XXXX, and confirmed it was working, but now its not and they havent helped at all with resolving this. Really sorry to bother you with thisits exhausting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX # XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a collection account that appears on my Equifax credit report under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$280.00} This account is fraudulent and the result of identity theft. It does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be blocked and removed immediately from my credit file. 

As proof of identity theft, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this period, it was impossible for me to open, use, or manage this account. Any alleged activity associated with this account occurred while I was in prison and therefore could not have been authorized or initiated by me. 

In accordance with my rights under the FCRA, I request the following : 1. Immediate blocking and deletion of this fraudulent account from my Equifax credit report. 
2. Written confirmation that this account has been removed.

3. Notification to any furnisher or collector reporting this account that it is the result of identity theft. 

Please treat this letter as my formal identity theft dispute. I am also requesting that this documentation be included in my consumer file for future reference. 

Thank you for your prompt attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is violating my rights and haven't verified my information under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them and they're violating my rights. I'm entitled to {$1000.00} for every violation I listed. The company needs to either pay me or delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I placed a freeze on my credit reporting with Experian due to stolen identity as advised by my bank. I have good credit. I was denied a credit card. I can't reach a human being at Experian to straighten this out. I have complied with their request and mailed all the information they required seeking to unfreeze my credit freeze. They sent my a letter saying that my " ... Personal credit report already displays a security freeze. '' I'm trying to unfreeze imy personal credit report so that I can get a credit card. I was denied a credit card by XXXX Bank, XXXX XXXX XXXX, XXXX, SC, XXXX. 

I want this action rescinded and I want the credit card.

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 2025-08-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with XXXX XXXX, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and XXXX XXXX format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section XXXX, subjecting them to civil liability, punitive damages, and regulatory action.

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