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

Complaint narrative:
I am writing to formally express my concerns regarding 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle had not only neglected to protect customers 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: 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: MI

Complaint narrative:
I filed a dispute with Experian for an inaccurate account reported by XXXX XXXX XXXX ( acct ending in XXXX ). 

Experian responded on XX/XX/XXXX, stating the furnisher verified the account as accurate but provided NO documentation or proof of this verification. I never received the method of verification ( name, contact, and records used ), as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I previously filed the CFPB complaint on XX/XX/XXXX ( Complaint ID # XXXX ) which Experian marked Closed with explanation without addressing this issue. 

I am now requesting an escalated investigation and enforcement action for Experians failure to perform a lawful reinvestigation or provide evidence supporting the accuracy of this account.

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 — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

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 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. 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am submitting this complaint regarding the closure of my Chase checking account ending in XXXX. On XX/XX/XXXX my account became overdrawn because the claim from someone stealing from me was not honored. Even though documentation was provided during the second investigation they came back within a few minutes and denied it so I dont believe it was accurately investigated. I did not want the account to close and a supervisor told me on XX/XX/XXXX that I have until XX/XX/XXXX to bring the account current and they were notating the account so no more fees would be added. I explained that I XXXX as of right now and got into an accident and was not working for about XXXX weeks while my car needed to be fixed and that I would be putting cash in a couple dollars a day from my earnings they said it was fine as long as it was before that date. After TWO attempts of not receiving my debit card since XXXX when I did the claim, I had my debit card shipped rush delivery which they credited the fee for me to an alternate address because for someone reason I did not receive the first two. When that card came on XX/XX/XXXX it came with my name not correct so I called XX/XX/XXXX to have a new one issued and threw the other away. I was explicitly informed by Chase representatives that I had XXXX  days to cover the overdraft and was in constant communication regarding that and the claim. Despite this, my account was closed prematurely by the Chase fraud department on XX/XX/XXXX before I had an opportunity to resolve the overdraft and that I would receive a letter only stating its being closed. I have had no unauthorized or irregular transactions because I did not have a card and have not used the account myself since XXXX. There was no reason for a fraud designation. I am afraid of this causing potential reporting of an unnecessary fraud designation to ChexSystems or Early Warning Services, which could affect my ability to open future bank accounts for my business. This is causing immense stress and inconvenience due to lack of clarity or communication regarding the closure.

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: Experian Information Solutions Inc.
State: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: GA

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 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 CFPBs 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 is unacceptable and raises serious concerns about consumers 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 — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I'm a verified US customer with fully verified identity. No withdrawals exceeding limits. Support confirms no restrictions, yet I can not transfer out crypto. They're holding it for 'review ', no details, no timeline-costing me time and market exposure.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inaccurate accounts are showing up on my credit report. I am kindly requesting for them to be reviewed thoroughly along wiht the documents I've submitted.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
Plaza Services is continuing to respond without providing proof that I gave them permission to collect, use, or report my personal information. They keep referring to an assignment section but have never shown an actual signed document that proves I personally agreed to have my information transferred or assigned to Plaza Services. 

Referring to contract language is not the same as showing consent. There is no wet signature, no signed authorization form, and no agreement that includes Plaza Services name. They are just repeating the same information and avoiding the main issue. 

If they are claiming ownership of this account, they need to show a legal document proving that transfer took place and that I agreed to it. Without my consent, Plaza Services has no right to handle my data or report anything under my name.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this formal complaint regarding serious and repeated inaccuracies being reported on my consumer credit files by multiple furnishers and credit reporting agencies. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and are causing me ongoing financial harm.

1. Wrong Address Reporting The following addresses are being falsely associated with my credit file. I have never lived at nor been affiliated with these locations : XXXX XXXX XXXX XXXX XXXX, VA XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Wrong Address These addresses are inaccurate, misleading, and must be removed immediately. 

2. Account Inaccuracies The following accounts are reporting late payments, charge-offs, or other derogatory information that I dispute as inaccurate, unverifiable, and in violation of the FCRAs requirements for maximum possible accuracy : XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance : {$1400.00} Late Payment XXXX  XXXX XXXX Opened XX/XX/XXXX Balance : {$9700.00} Late Payment XXXX  CARD XXXX Opened XX/XX/XXXX Balance : {$18000.00} Late Payment XXXX BANK XXXX Opened XX/XX/XXXX Balance : {$4900.00} Late Payment XXXX XXXX Opened XX/XX/XXXX Balance : {$32000.00} Charge Off XXXX XXXX XXXX XX/XX/XXXX Balance : {$5000.00} Late Payment XXXX XXXXXXXX Opened XX/XX/XXXX High Balance : {$4600.00} Late Payment XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance : {$2700.00} Late Payment XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Original Balance : {$380000.00} Late Payment 3. FCRA Violations Under the FCRA : Credit reporting agencies are required to maintain records with maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Information that can not be verified must be deleted or corrected ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Reporting false addresses constitutes a direct violation, as it creates misleading associations and potential identity confusion.

4. Requested Resolution I respectfully request the following corrective actions : Immediate removal of all wrong addresses listed above. 

Full investigation into the disputed accounts to verify accuracy. Any unverifiable or inaccurate information must be deleted or corrected within the statutory time frame. 

Written confirmation of the actions taken by each credit bureau and data furnisher.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously disputed with EXPERIAN regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-10-06 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX XXXX an unauthorized transfer to XXXX was made from my bank account from enticing XXXX XXXX. ( {$950.00} ) On XXXX XXXX an unauthorized transfer to XXXX was made from my bank account from the same company. ( {$300.00} ) This is a known scammer from tiktok named XXXX XXXX. 

I tried to go through Wells Fargo and they said XXXX could not refund me, I am very angry about this. I have screenshots to prove this is a scammer. I need my hardworking money back. This is unacceptable Wells Fargo.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Experian XXXXispute Department, This is a dispute and reinvestigation demand under FCRA 611 ( 15 U.S.C. 1681i ).

Items disputed ( Experian file ) 1. Alias over-expansion / identity mismatch. You list XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX. Remove any aliases I did not use or that are not supported by reliable source documentation.

o Law : FCRA 607 ( b ) ; 611 ; 609 ( a ) ( 1 ) ; Reg V 1022.42 ( a ).

o Metro 2 : Header identity fields ; ensure tradeline name segments match verified identity only.

2. Previous address conflict. You show both XXXX XXXX XXXX and XXXX XXXX XXXX, same city/ZIP+4. Verify which is correct ; delete the inaccurate entry.

o Law : 607 ( b ) ; 611 ; Reg V 1022.42 ( a ).

o Metro 2 : Header/tradeline address segments must be accurate.

3. Employer lines of questionable accuracy : XXXX XXXX XXXX XXXX, CXXXX XXXX XXXXXXXX confirm accuracy and effective dates or delete.

o Law : 607 ( b ) ; 611.

o Metro 2 : N/A ( header ) ; ensure any mirrored data in furnisher segments is accurate.

Universal late-payment dispute & proof standard I dispute all late months on every Experian tradeline ( protective ; your two-year histories show all OK ). For any month you or a furnisher say is late, provide running statements/ledger proving due date, statement/notice, payment receipt, and posting. Codes are not proof.

Metro 2 fields : PHP, Payment Rating ( 17B ), Amount Past Due, Current Balance, Account Status ( 17A ).

Under Cushman v. TransUnion, you must conduct an independent reinvestigation. If you can not verify to that standard within 30 days, delete the disputed data or delete the entire tradeline. Noncompliance will prompt CFPB/FTC/AG
complaints and civil action under 15 U.S.C.

616617.

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