vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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 aexpress my concerns about Zelles handling of disputes, particularly in light of CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle numerous of 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 CFPB FINDINGS INDICATED that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit thee 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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have filed several complaints against paypal, because they have closed my account and are withholding my funds. 

In my latest complaint to XXXX dated XX/XX/XXXX, they agreed to release the funds by XX/XX/year>. 

Now the executive office is saying that they have changed their minds, and may not be responding to any further inquiries from me. 

Ive also had a confirmation from a customer service rep. I just dont think its right to receive a formal response from the executive office about a resolution, and then just say sorry we changed our mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my Experian credit report, I was disheartened to find several late payment entries that are inaccurate and unsupported by any verifiable documentation. The accounts in question are XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX BANK XXXX. - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Paid - Past Due : {$0.00} ), and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ). 

All of these accounts clearly reflect a Paid status with no remaining balance or past due amount, yet Experian continues to show prior delinquencies. I am formally disputing these entries and requesting that Experian perform a complete reinvestigation in compliance with the Fair Credit Reporting Act. The law requires Experian to ensure that all information reported is accurate, complete, and verifiable not merely confirmed through automated systems or internal data exchanges. 

These late payment remarks have had a very real and painful impact on my life. I have faced credit denials, higher interest rates, and unnecessary emotional distress all while knowing I made my payments and fulfilled my financial obligations. It feels deeply unfair to continue suffering for something I did not do. These errors cast doubt on my reliability and integrity, and no one should have to keep defending their honesty because of a data issue that should have been corrected long ago. 

I am not asking for special treatment only for accuracy and fairness. If Experian and the data furnishers can not provide original records, such as payment histories or account statements, showing that these payments were actually late, then Experian must update or remove the inaccurate late payment remarks immediately. Anything less would be a continued violation of my rights as a consumer.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-10-09 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: IN

Complaint narrative:
I am writing to formally notify XXXX  that I am a victim of identity theft and to request that fraudulent and inaccurate information be blocked or removed from my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

After reviewing my XXXX  credit report dated XX/XX/2025, I identified several accounts and negative items that appear to have been opened or reported as a result of identity theft or other inaccuracies. I did not authorize, open, or benefit from these accounts, and I believe they are directly connected to fraudulent activity involving my personal information. 

Accounts in Question I do not recognize or authorize this account. Please investigate and remove any related negative reporting if found fraudulent. 

I dispute this item as a result of identity theft. Please validate ownership and remove if unverified. 

REGIONAL XXXX  ( Acct # XXXX ) Status reflects Closed. {$3300.00} written off. 

This account appears inconsistent with my records. Please confirm whether this debt was fraudulently opened or reported in error. 

I do not recognize this account. Please provide full verification including date of service and documentation of authorization. 

I did not authorize this debt. Please verify the chain of assignment and ownership or delete it immediately.

Requested Action Pursuant to FCRA 605B, I request that XXXX  : Block all information relating to the fraudulent accounts listed above within four ( 4 ) business days of receiving this letter and supporting documents. 

Notify the furnishes and other credit bureaus of the blocked items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I would like to be paid for all the problems I had with them. It's no reason why sometimes I can send money and sometimes I can't then they blocked my account for no reason. I'm hard working single mother and do no fraud what so ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Subject : Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts from My Credit Report Dear Sir or Madam, I am writing to dispute inaccurate information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), and to formally request the blocking of all information resulting from identity theft.

According to federal law, upon submission of an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from fraud or identity theft within a maximum of four ( 4 ) business days from receipt of this request.

Pursuant to FCRA 605B, I request that Equifax block and delete the information appearing on my credit report that is the result of fraud and identity theft within four business days of receiving this letter.

The fraudulent and inaccurate information involves an inquiry under the name XXXX - XXXX, which has generated multiple false and unauthorized inquiries on my credit report that I did not authorize and request to be removed. 
I do not recognize the reported account. This account was not opened, requested, or authorized by me. It was the result of identity theft and financial fraud. I have not granted written authorization or consent to share my non-public personal information. Reporting or disclosing my information without consent constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes ) and of my privacy rights under 15 U.S.C. 1681a ( 4 ).

Therefore, I request that this account and the related inquiries be immediately blocked or deleted from my credit file, in accordance with FCRA 605B.

All necessary documentation is included in this package and has also been sent by certified mail. 
Listed below are the Inquiries that are being challenged CAPITALONE - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Nexus Nova LLC
State: UT

Complaint narrative:
My mortgage loan was transferred from XXXXXXXX XXXX to Rosegate Mortgage ( powered by XXXX ) effective XX/XX/2025. I needed a payoff statement for a refinance. I first called XXXX on XX/XX/XXXX and was told to call back after the transfer date. On XX/XX/XXXX, I called again and was told my information was still being added. I also emailed my payoff request that day. 
On XX/XX/XXXX, I called again and was told it was being processed. On XX/XX/XXXX, I received a payoff statement, but it was inaccurate- it did not include the unused buy-down funds of {$10000.00} that should have been credited to my principal according to the loan agreement. I immediately called and emailed to report this. During a 45-minute call, the representative confirmed it was an error but said he could not fix it or provide a ticket number. He said he escalated it and I should follow up again because the normal process takes three business days. 
I followed up several times by phone and email ( XX/XX/XXXX and XXXX ). Each time, I had to explain the issue again. I also received calls from a customer advocacy representative, but they were unscheduled, showed up as scam likely in called ID, and when I returned the calls, they went to voicemail. I left several voicemails with no response. 
I finally received an updated payoff statement on the morning of XX/XX/XXXX showing the correction. The representative who called afterward gave inconsistent explanations and seemed unaware of my earlier requests. She said the data was updated on one screen but not another and that reports to CFPB would just come to her again if I complained. 
This process caused significant delays and unnecessary stress. Had I not carefully reviewed the payoff, I would have lost {$10000.00}. I spent many hours on calls and emails over more than a week to correct an obvious error.

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 2025-10-09 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-10-09 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I contacted PayPal XXXX  XXXX XXXX XXXX  ) to arrange a short-term payment plan. A representative located in the XXXX confirmed that my account would not be reported late to the credit bureaus as long as payments were made on time. I followed that plan and made all required payments. 

Despite this, PayPal XXXX reported my account as 30-, 60-, 90-, and 120-days late, then closed and charged off the account without proper notice or investigation. When I attempted to resolve the issue, I was transferred repeatedly between call centers in the XXXX and XXXX. Each time I asked for a U.S.-based representative, I was put on long holds or disconnected. 

A U.S. agent eventually transferred me back to a supervisor in the XXXX who could not explain why one of my payments was voided and charged back. She promised to investigate and follow up but never did. This demonstrates a complete failure to investigate and properly supervise their customer-service operations. 

I have formally requested copies of all recorded calls, account notes, and verification records related to this issue from XX/XX/year> to the present. These records will show that I complied with the agreed payment plan. I am requesting that the inaccurate XXXX late marks and charge-off be removed from my credit report, and that I receive written confirmation of the investigation results from a U.S.-based compliance officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
In XX/XX/year>, I contacted XXXX XXXX XXXX XXXXXXXX XXXX ) to arrange a short-term payment plan. A representative located in the XXXX confirmed that my account would not be reported late to the credit bureaus as long as payments were made on time. I followed that plan and made all required payments. 

Despite this, XXXX XXXX reported my account as 30-, 60-, 90-, and 120-days late, then closed and charged off the account without proper notice or investigation. When I attempted to resolve the issue, I was transferred repeatedly between call centers in the XXXX and XXXX. Each time I asked for a XXXX.S.-based representative, I was put on long holds or disconnected.

A U.S. agent eventually transferred me back to a supervisor in the XXXX who could not explain why one of my payments was voided and charged back. She promised to investigate and follow up but never did. This demonstrates a complete failure to investigate and properly supervise their customer-service operations. 

I have formally requested copies of all recorded calls, account notes, and verification records related to this issue from XX/XX/year> to the present. These records will show that I complied with the agreed payment plan. I am requesting that the inaccurate 30120-day late marks and charge-off be removed from my credit report, and that I receive written confirmation of the investigation results from a U.S.-based compliance officer.

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 2025-10-09 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: CA

Complaint narrative:
In XX/XX/year>, I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX to arrange a short-term payment plan. A representative located in the XXXX confirmed that my account would not be reported late to the credit bureaus as long as payments were made on time. I followed that plan and made all required payments. 

Despite this, XXXX XXXX reported my account as 30-, 60-, 90-, and 120-days late, then closed and charged off the account without proper notice or investigation. When I attempted to resolve the issue, I was transferred repeatedly between call centers in the XXXX and XXXX. Each time I asked for a U.S.-based representative, I was put on long holds or disconnected.

A U.S. agent eventually transferred me back to a supervisor in the XXXX who could not explain why one of my payments was voided and charged back. She promised to investigate and follow up but never did. This demonstrates a complete failure to investigate and properly supervise their customer-service operations.

I have formally requested copies of all recorded calls, account notes, and verification records related to this issue from XX/XX/year> to the present. These records will show that I complied with the agreed payment plan. I am requesting that the inaccurate 30120-day late marks and charge-off be removed from my credit report, and that I receive written confirmation of the investigation results from a U.S.-based compliance officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief