vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I am the victim of identity theft. A fraudulent XXXX XXXX account has been repeatedly appearing on my TransUnion credit report despite my disputes, proof of identity theft, and multiple prior deletions. 

Both XXXX  and XXXX  have permanently deleted this same XXXX XXXX account and have not re-reported it. TransUnion, however, continues to unlawfully reinsert the account even after I have submitted extensive proof of fraud, including police reports, identity theft affidavits, and supporting documents. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), a credit bureau may not reinsert previously deleted information unless the furnisher has certified its accuracy, and the bureau must notify me within 5 business days of any reinsertion. TransUnion has failed to provide this notice and continues to reinsert the account without lawful basis. 

This repeated reinsertion of a fraudulent account is unlawful and is causing ongoing harm to my credit and financial well-being.

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: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZuntaFi Corp
State: NC

Complaint narrative:
Following your most recent response to my CFPB complaint, I reviewed the federal materials you referenced including the Truth in Lending Act ( TILA, 15 U.S.C. 1650 ) and Regulation Z ( 12 C.F.R. 1026.461026.47 ). Based on that review, your explanation contains multiple contradictions that require formal clarification. 

In your response, you stated that Private Student Loans and Private Education Loans are interchangeable terms, and that inclusion of federal loan comparisons was required for compliance with the Truth in Lending Act. 

This statement is inaccurate. 
Under Regulation Z 1026.46 ( b ) ( 5 ), XXXX XXXX XXXX is the only legally defined category. XXXX XXXX XXXX has no definition under TILA or Regulation Z and is a marketing term, not a regulatory one. 

Furthermore, 1026.47 ( a ) ( 6 ) makes clear that federal-loan comparison disclosures are required only for Private Education Loans that meet the TILA definition. If those disclosures were required, as you stated, then ZuntaFi has effectively admitted this loan was treated as a Private Education Loan under TILA and Regulation Z Subpart F which carries specific borrower rights, including : The three-business-day right to cancel, Itemized finance charge and APR disclosures, and Prohibition on misleading or incomplete comparisons with federal loan programs. 

However, my school was not Title IV-eligible or accredited, and therefore not eligible for federal student loan programs such as XXXX, XXXXXXXX XXXX XXXX. Including those comparisons was therefore misleading if this loan did not qualify as a Private Education Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: TX

Complaint narrative:
This is a continuation of case number XXXX. This is another complaint to add on for investigation of Netspend. 

I received a text message from Netspend stating they decided to close my account totally. 
the date was XX/XX/year>. When I called them they stated even though the XXXX fraudulent charges on my debit card were still in the investigation phase until XXXX XXXX they felt it was in their best interest to just close my account. 
I still have funds in that account and now I am not even able to get them. 
I paid Netspend the XXXX fee to get me my new card to me and I did receive it and activated it. This was on XXXX XXXX and the very next day Netspend closed my bank account totally and told me that they can not reverse that. I have funds I need to get to and I am a teacher who's direct deposit goes into that account. I have no way to get information now in time for my payroll to change me to another bank for direct deposit. NetSpend ststaed if a direct deposit did hit he closed account it would take about XXXX  days for me to get my funds since they would kick it back to my employer. 
NetSpend 's reviews show so many people getting this done to them and not being able to recoup any of their funds. 
This type of banking is totally unacceptable and it has caused a serious financial strain on not only myself but my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-10-08 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: CA

Complaint narrative:
When I recently reviewed my credit reports from XXXX XXXX, and TransUnion, I was deeply concerned to find late payment entries that are inaccurate and misleading. Specifically, the accounts in question are : XXXX XXXX - XXXX * * * * - XX/XX/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 15 U.S.C. 1681e ( 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 15 U.S.C. 1681i, 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 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 — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX U.S.C. XXXX ( b ) ( XXXX ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. XXXX U.S.C. XXXX ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. JPMCB CARD XXXX

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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed in my cashapp account a notification was sent in the app saying my account is closed. I received no prior notice beforehand that this was going to happen. I had my cashapp set up for receiving my direct deposits early ; I received a paycheck on the XXXX of XXXX and withdrew it to pay my bills. Cashapp closed my account on the XXXX and sent my money back to my job on the XXXX. When I looked in my account I had a negative balance so I contacted customer service. The conversation is captured with pictures attached. I just feel like I wasnt notified properly in a well enough time to avoid this situation. I just want a way to clear this negative balance so I wont suffer repercussions from it. Im okay with losing my account but I am not okay with owning anyone something.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX 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 XXXX 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Due to the 2025 data breach my credit file has been exposed.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-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: AE

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 my discrepancy, my financial institution and Zelle failed to investigate my claim adequately. I was informed by both Zelle and my financial institution that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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: 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX XXXXXXXX, TX, financed through Ally Financial. The dealership added several aftermarket products and inflated the loan amount without my knowledge or authorization ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This increased my financed balance by about {$10000.00}. 

I only discovered the overcharge in XXXX after reviewing my documents while experiencing financial hardship. XXXX XXXX confirmed partial cancellations but refused to fully correct the sale amount or coordinate with Ally to adjust the principal as required under the FTC Holder Rule. 

I contacted Ally Customer Relations and Executive Customer Care on XX/XX/XXXX, requesting a hold on collections, a corrected payoff, and a recalculated principal balance. I provided supporting documents but have not received confirmation or correction. 

Im seeking Allys assistance in recalculating the loan to remove the unauthorized products, applying any refunds toward principal, and confirming that future payments reflect the accurate financed amount.

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I am writing to formally to address my concerns about zelle handling disputes, particularly In light of the recent CFPB lawsuit highlighting significant issues with the platform. XXXX using Zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me recovering in lost funds was impossible and tracking these funds was unfeasible. The CFPB 's findings indicate that zelle has not only neglect to protect others consumers but has also allowed repeated offenders 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate 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: Credit Resolutions, LLC
State: CT

Complaint narrative:
A collection account is being reported on my credit reports as a rental/leasing debt. However, this matter has nothing to do with any rental or consumer credit account. It stems from a ( dispute related to employment ), not a consumer transaction. 

I have been fighting this back-and-forth for over a year. I have disputed this account multiple times with XXXX XXXX XXXX, but each time they simply go back to the collection agency. The collection agency continues to verify the account as valid, even though it ( can not be verified as a consumer debt because it is not XXXX ). 

( XXXX never reported this account at all ), which further confirms that it is ( not a valid consumer debt ). XXXX XXXX XXXX should have reached the same conclusion. 

I have also previously filed complaints with the CFPB regarding this matter, but the account remains on my reports. This has turned into a ( ping-pong process ) where the credit bureaus rely on the collectors repeated false verifications instead of conducting an independent investigation. The collector appears to have ( misclassified the debt as rental/leasing ) in order to report it as a collection account, which is ( false, misleading, and damaging ). 

Because this is ( not a consumer debt ), its reporting violates the ( Fair Credit Reporting Act, FCRA ). This information should not appear on my consumer credit reports at all.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation