vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, submitted documentation and proof of XXXX XXXX - Debt Bondage. The first attempt was successful. I had to submit an addendum to the first request. I contacted TransUnion with the answer it was denied because they no longer will accept letters from the " XXXX  '' XXXX  that assist me. After that I could no longer access my credit file. They blocked my account. My account was not blocked at the first approval. But they blocked it when the addendum was submitted and denied my request for debt bondage release. The XXXX XXXX divisions is very disrespectful and rude. I contact XXXX  and they are aware of these actions by Transunion. I never received a call or letter. I had to contact Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On Saturday, XX/XX/XXXX I tried to log in to my online banking but could not. My emails showed on Friday, XX/XX/XXXX at XXXX that my deposit accounts would be closed by XX/XX/XXXX as Wells Fargo no longer wished to maintain a deposit account relationship with me. 

I had received a similar letter earlier regarding my consumer checking account, being slated for closure on XX/XX/XXXX. 

I attempted to open, and was approved for, a business checking account. Reference : XXXX On Saturday at XXXX EST I called Wells Fargo to regain access to online banking. Eventually I was transferred to a fraud team that stated that their closure was due to a business decision, and that I would have to be connected with their credit card fraud team to re-open online access to see my credit card accounts online. As I had been on the phone for 30 minutes at this point, I decided to call later. 

On Saturday, at XXXX EST I called Wells Fargo Credit Card Support, who stated that I would need to call back on Monday during business hours to discuss restoring online access for my credit cards. 

I need online access to my Wells Fargo accounts in order to find and furnish information to the IRS for my taxes that I filed an extension for. This delay is causing me more difficulty as a taxpayer. This closure is also unfairly denying me the opportunity to earn a {$400.00} bonus offer for a business checking account. I believe my income is being unfairly discriminated against and considered " high risk '' activity inappropriately.

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 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Skrill USA, Inc.
State: UT

Complaint narrative:
I attempted to transfer funds from my Skrill account to a linked and Plaid-verified XXXX  account, with a balance between {$220.00} and {$270.00}. I initiated a {$50.00} bank transfer, utilizing the 5-day free transaction option. Subsequently, a notification appeared, indicating the closure of my account. Upon reviewing my email, I confirmed the permanent closure of my account. I have attempted to contact customer support to address this matter, as I require access to my funds, which I received today. This payment is essential for my rent. My account was closed without any prior indication or explanation. I was fully verified, and I had successfully linked my XXXX bank account. I had previously transferred funds to my XXXX XXXX account without any issues. The account closure occurred without providing instructions for retrieving my funds, the reason for the closure, or an opportunity to address any concerns or provide necessary verification to reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate and damaging information being reported on my credit file.

This dispute is submitted directly by me, the consumer. No third party is involved. I will not accept a form letter or stall response.

Item ( s ) in Dispute : 1. XXXX Account Number : XXXX Attached you will find supporting document from XXXX XXXX XXXX XXXX showing that this reporting is false/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 non-monetary relief
Consumer complaint received 2025-10-06 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: FL

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 XXXX XXXX XXXX XX/XX/year> -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime 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 Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in the 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 CFPBS finding indicates 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 customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA XXXX ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MI

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am writing to request validation of the debt referenced above, which is currently being reported on my credit report by your agency. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681-2 of the Fair Credit Reporting Act ( FCRA ), which outlines my rights regarding disputed debts.

Please provide me with the following information : 1. Verification of the amount of the debt.

2. The full name and address of the original creditor.

3. Evidence that your agency is authorized to collect on this debt.

4. A detailed payment history, including any interest and fees since the date of charge off.

5. Documentation showing that I am legally obligated to pay this debt.

As per 15 U.S.C. 1681-2, I am entitled to request this information to ensure the accuracy of my credit report. Until I receive the requested validation, please cease any collection activities and halt reporting this account to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-10-06 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: TX

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. 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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I applied for the Verizon XXXX  XXXX XXXX online. This required invasive third-party biometric and photo ID verification. A Synchrony Bank representative also incorrectly entered my phone number. 

On XX/XX/year>, after activating my card, I discovered the phone number error. I was again required to undergo intrusive verification via biometrics or a physical letter ; I chose the letter. 

On XX/XX/year>, I received the letter and provided the requested information. Later that day, I tried to add my card to XXXX XXXX, which again led to a demand for biometric verification or another physical letter. A workaround was found to activate XXXX XXXX. 

On XX/XX/year>, a mobile wallet transaction was declined. When I called customer service, I was yet again asked for biometric verification or to send copies of my photo ID to unlock my card. Due to these repeated, invasive, and unnecessary demands, I requested my account be closed. These issues, including significant privacy concerns with biometric data and past data breaches, stemmed from errors by Synchrony Bank.

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 2025-10-06 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
On XXXX XXXX my cash app accounts were closed for no apparent reason out of nowhere was using cash app fine the days prior. Then out of nowhere the account was closed. When I went to add money I got a message that read This happened because we found activity on your account that goes against our Terms of Service.

You can't access most features of the app, but you'll still be able to sell any stocks or bitcoin and withdraw remaining funds.

If you think this is an error, you may be able to appeal this decision. To start your appeal and learn more about the appeals process, contact support. Which I did reach out to cash app to find out what had happened and as to why the account was closed. I normally use the cash app account to pay bills, transfer money from family and friend and to pay service. Only one time was I scammed. But never got the money back. Even after getting scammed they told that I have to asked the person to return the money but the person refused. So I got scammed out the money and my bank couldnt do anything because of cash app. XXXX XXXX is when I had email cash app It was fraud. XX/XX/XXXX I was supposed to receive a package. This is fraud and I have reported to the police and my bank and still you guy refuse to refund me my cash. Which wasnt taken directly from my bank account. XXXX is a fraudster and XXXX is also a fraudulent account on cashapp. I need my XXXX dollars back. I really need that money back. Pleas refund me my money. My bank said to work with you guys. But you guys refuse to work with me to get my money back. I been with cash app for a long time. I even refer people to use cash app. So pleas help me get my money back. But I never was able to get the refund back. But I still went on to use cash app. Even about XXXX yrs after the incident with no issues. But XXXX XXXX my account was closed. I cant find the emai from them. But I am still searching for them. As they never gave me a definite answer as to why they had closed the account. Both of the cash app account I had verified with my id. So there was no way of me doing anything with the account except use it to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
This serves as my formal follow-up dispute demanding permanent deletion of inaccurate, unverifiable, and unauthorized items still appearing on my credit report. The continued presence of these records is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These items must be removed, not corrected. 
The following inaccurate addresses are being wrongfully reported and must be permanently deleted under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have no verifiable connection to these addresses, and their presence violates the accuracy and reinvestigation standards required by law. 
The following charged-off accounts are being reported in violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the absence of Form 1099-C on debts exceeding {$600.00}, making them incomplete and unverifiable : XXXX XXXX XXXX * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} Since these accounts can not be verified with proper documentation, they must be permanently deleted from my file. 
Additionally, the following collections are being reported in violation of both FCRA and FDCPA standards, including FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), for lack of validation and false or misleading representation : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} * * These debts are unverified and are being reported without complete substantiation, violating consumer protection laws. 
Finally, the following unauthorized inquiries were made without permissible purpose, in direct violation of 605B / 15 U.S.C. 1681c-2, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and they must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution 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 Chime 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 raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I am writing to formally express my concerns regrading Zelles 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, 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 2025-10-06 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief