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: Chime Financial Inc
State: MO

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Charges XXXX XX/XX/year> and XXXX XX/XX/year> I have tried 3 times to dispute these charges. They have no way to call and dispute a charge. I even emailed so it was in writing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This erroneous account should be eliminated at once. I did not give permission for its creation. Documents verifying my claim are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The following tradeline is an inaccurate item on my credit report Company or Organization : BK OF AMER Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX fraudulent amount : {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I recently reviewed my credit reports from Equifax, XXXX, and XXXX, I was deeply concerned to find late payment entries that are inaccurate and misleading. Specifically, the accounts in question are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Paid - Balance : {$0.00} - Past Due : {$0.00} The way these accounts are reported does not reflect my actual payment history. The XXXX XXXX account, for example, is marked as fully paid with a XXXX balance and no past due amount, yet it is being listed as a late payment. This is confusing and misleading to any creditor reviewing my credit history. Similarly, the XXXX XXXX account is reported as a late payment despite my records indicating that all payments were made on time. These inaccuracies are not minorthey directly affect my creditworthiness, lowering my credit score and potentially causing lenders or landlords to view me as financially irresponsible. 

Under XXXX U.S.C. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy when reporting consumer information. The reporting of these accounts as late payments when they were either paid on time or fully resolved violates this obligation. Additionally, under XXXX U.S.C. XXXX, I have the right to a reinvestigation of disputed items, which requires the bureaus to validate these late payment claims with original, verifiable documentation from the creditors themselves, not simply rely on electronic records. 

The harm this has caused me is significant. These erroneous late payments have the potential to impact my ability to obtain credit, qualify for favorable interest rates, and even secure housing. Beyond the financial consequences, there is a personal and emotional toll : being unfairly judged as delinquent on my obligations is stressful and humiliating, particularly when I have done everything correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This invalid account was added in error and should be removed right away. I never provided authorization. Proof is enclosed.

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: FL

Complaint narrative:
I previously sent XXXX XXXX my dispute letters along with supporting documentation, including my police report and FTC Identity Theft Report. To date, I have not received any paperwork or communication back from your company acknowledging or addressing my submissions. 

The account in question was removed from my credit report but has since been reported again, which is inaccurate and unlawful. By law, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX had 30 days to investigate and respond to my dispute. That deadline has long passed, meaning this account must be deleted from my credit report immediately. 

I am demanding the permanent removal of this fraudulent account from all credit reporting agencies and written confirmation from XXXX XXXX that the matter has been resolved in compliance with 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 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: FL

Complaint narrative:
I previously sent XXXX XXXX my dispute letters along with supporting documentation, including my police report and FTC Identity Theft Report. To date, I have not received any paperwork or communication back from your company acknowledging or addressing my submissions. 

The account in question was removed from my credit report but has since been reported again, which is inaccurate and unlawful. By law, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX had 30 days to investigate and respond to my dispute. That deadline has long passed, meaning this account must be deleted from my credit report immediately. 

I am demanding the permanent removal of this fraudulent account from all credit reporting agencies and written confirmation from XXXX XXXX that the matter has been resolved in compliance with federal law.

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

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request deletion of all inaccurate and outdated personal information from my credit file under my name, XXXX XXXX. According to my most recent credit report, there are multiple addresses and name variations that do not accurately reflect my current or correct identifying information. 

My only correct and current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please update your records to reflect only this address and remove all others listed below. These outdated addresses are not my current residence and should no longer appear on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate personal information violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), which entitles me to accurate and verifiable personal information reporting, and 611 ( a ) ( 1 ) ( A ), which requires that any disputed information must be verified or deleted. 

Please investigate this matter and provide me with written confirmation once all inaccurate addresses and name variations have been permanently removed.

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

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized charges made to my account through XXXX. I filed disputes with both XXXX and Wells Fargo, and was shocked to find that both claims were denied. I want to make it explicitly clear that I did not authorize these transactions, and I am not simply excusing or forgetting any purchase these charges were fraudulent. 

After Wells Fargo denied my claim, I requested documentation to understand the basis of their investigation. Upon reviewing the materials Wells Fargo provided, I identified multiple serious red flags : The shipping address used for the orders was in a state I have never lived in this clearly indicates the order was not placed by me. 

The billing address associated with the order did not match the billing address on my Wells Fargo account. 

The order was placed under what appears to be a commercial account with XXXX, which I have never created. If I had a commercial account, there would be a history of prior legitimate orders there are none. These fraudulent charges were the only activity. 

When I contacted Wells Fargo to raise these concerns, the representative dismissed my issue, stating, Youve already called about this several times. Frankly, I find this response unacceptable. If I called XXXX times, it would still be your duty to assist me this is my money, and Im being treated as though Im the problem for seeking answers. 

XXXX XXXX failure to properly investigate, especially in light of these clear red flags, is deeply concerning. I am requesting a formal re-investigation of this dispute. I also request written documentation of how the original decision was made, including any evidence used to conclude the charges were authorized. 

If this issue is not resolved, I am prepared to escalate this complaint through all available regulatory channels, including the CFPB and XXXX. 

Thank you for your prompt attention to this matter.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an unredacted Wells Fargo bank statement belonging to another customer during discovery in a court case ( XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, XXXX XXXXXXXX XXXX  ). The statement was produced by opposing counsel and appears to belong to a different individual named XXXX XXXX of New Jersey. 

On XX/XX/year>, XXXX XXXX in Wells Fargos Legal Department confirmed there was no subpoena authorizing disclosure of the records and that the document lacked standard Wells Fargo reference identifiers. 

I reported the incident to Wells Fargos Privacy Center, but have not received written confirmation of an investigation or notification to the affected customer. This appears to be an internal data-handling error or failure to protect customer information in compliance with the Gramm-Leach-Bliley Act ( GLBA ).

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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
According to XXXX, and account was opened on or about XX/XX/year>, an account was opened in my name for a loan. The loan amount was for approximately {$25000.00}. Because this is not my loan and there are no signatures, there is no loan contract and no evidence on file, other than that of the collection agency " Oliphant '' I demanded removal. In response, XXXX  responded that the information was accurate and verified, based solely upon an alleged statement provided by the collection agency. The original creditors report of " Charge off '' was also simultaneously challenged under the same set of circumstances, specifically a complete of evidence. Much like XXXX, who is currently being sued by CFPB, this so-called " investigation '' is a sham. There is no evidence whatsoever that I owe any debt, let alone a debt of {$25000.00}. The collection agency must provide actual, documented evidence that I signed for any loan, signatures and other evidence of legitimacy. This includes but is not limited to documentation from and by the alleged original creditor. Equifax has refused to do so. Their actions and inactions are not only illegal, but unethical and has been done with malice. Consumer law requires an actual investigation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have previously filed a complained about this. Ticket # XXXX. Transunion responded saying someone was filing for me. This is false. I am filing this myself. 

I am writing to formally dispute a late payment entry reported by XXXX XXXX # XXXX on my credit report. After reviewing my credit file, I noticed this negative mark, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ). 

Please see all artifacts to include a statement from XXXX themselves stating the inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This vehicle was a lemon. If i knew what i know now i would of ask for certain paper work even see legal action. I ask the company several times to actually come get car because of all the issues and they did not. They repo it when they felt like it. On top of all these i will keep disputing this due to the hardship this has put me in unlawfully also this company keeps changing my close date on my account making my credit drops each time they do this. That is not fair at all what company does that legally. A close date for this loan changes every XXXX months.

Company response to consumer: Closed with explanation