vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had someone else log into my chime take my money the same thing with XXXX XXXX sometimes I didnt even receive the full amount or someone was just missing out of my account or someone charged an XXXX in XXXX and I couldnt get my money back or order food. I couldnt get my money back. Then they close my account.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My record shows consistent on-time payments, and I request that this be accurately reflected. Its disappointing to encounter such an error.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX XXXX . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF 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 response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has reported an account that is not mine. When I contacted the company with fraud account : XXXX, they were unable to help me. 

XXXX and Transunion need to be reported.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because I previously submitted disputes to all three credit bureaus regarding accounts that I do not recognize and that are being inaccurately reported on my credit file. I also created an official Identity Theft Report and attached it to my dispute letters to validate my claim and identity. Despite providing all the necessary documentation and following proper procedures, the inaccurate and unauthorized accounts are still appearing on my credit reports. 

This ongoing issue has caused unnecessary stress and damage to my credit reputation. The bureaus have not provided sufficient verification of the accounts nor have they corrected or deleted the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ).

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I feel Navy Federal is doing the same thing XXXX XXXX was doing. Purposely holding onto transactions as " pending '' for OVER TWO WEEKS, and then claiming I am over drafted or at times my account balance is A LOT lower than it should be. I get paid every two weeks. I pay my bills when my paycheck hits my account. However, I have noticed the charges from the PREVIOUS pay week will still be listed under " pending transactions for 2 weeks ... and then ; when my next paycheck comes ( 2 weeks later ).... they take the money out of that paycheck as well. Basically it appears they are DOUBLE DIPPING the amount of times they charge me. They take the money from the initial check, keep the transactions as " pending '' ON PURPOSE until the next check hits ... then take the money THEY ALREADY TOOK FROM MY PREVIOUS CHECK.... and take out the SAME AMOUNT FROM THE NEW CHECK, which has caused OVERDRAFTS, FEES AND LOWER BALANCES than I should have. I have repeatedly asked what is going on, and they claim they are " waiting on the vendor '' which is NOT true. Because I experimented once. And purposely did NOT use my card, even though I had to ... and only paid the same bills.... and when there were no other charges, those " pending transactions '' went through within 1 -3 business days. It is appearing to me, whenever they want to try and essentially steal and double dip from both of my paychecks.... they only do it when there are other transactions, and claim " they are waiting on the vendor '' I have personally called and gone to some of those vendors IN PERSON and they say it should NOT the that long because they settle all card transactions EOD ; they don't wait two weeks. If someone could please investigate this, because I am know MANY other people who have the SAME COMPLAINT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
DEAR AMEX/ CFPB ; I am the victim of identity theft. A fraudulent American Express account was opened in my name without my authorization and is being reported to XXXX XXXX XXXX XXXX XXXX  as a charged-off revolving account with a balance of {$11000.00} ( Account # XXXX, opened XX/XX/2022 ). 

I have never applied for, used, or benefited from any American Express account with this number. I discovered the account while reviewing my credit reports and immediately confirmed it is fraudulent. A police report and FTC Identity Theft Report have been filed. 

Despite this, the account remains on my credit reports and continues to negatively impact my credit. American Express, as the furnisher of this data, has a legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to ensure accuracy and to investigate disputes.

I am exercising my rights under FCRA 1681i ( a ) and 1681c-2 ( a ) to dispute and request removal of this fraudulent information. I have also provided documentation supporting my identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a balance transfer from XXXX to Citibank. I told the individual my XXXX credit card number, and she took the number. I called XXXX a few times to see if the transfer was completed and they said no. I called Citibank on XX/XX/year> and was told it was completed. No it wasn't as the transfer was never completed.They told me yes it was. I gave CItibank my credit card number and they told me it was incorrect. I told thenm only card. Then I was told an investigation would be open. I was never given a investigative number, I was told to contact USAA and ask for the bank to correct it. I was given the individuals credit card number that the last 4 was similar to mine. They have done nothing, but investigate themselves and clear themselves of any wrong doing instead of correcting the action.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
No validation of debt from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  since XX/XX/XXXX. 

Mortgage is listed paid in full with the county registrar of Deeds office in XXXX. 

They are not assigned this mortgage. No valid proof that they are the assigned of the mortgage. 

The maxim of law stating that an " unrebutted affidavit stands as truth in commerce '' i have dozens of unrebutted affidavits from the XXXX XXXX XXXX 

Coercion DAYS before court date to trick me to pay them by saying they will not sell my house in 30 days unless i call them to work out a payments. They have already been paid. 

They are frauds in both Carolinas. They are not supposed to be contacting me, but sending mail from another site. 
This is just the tip of their trickery to unlawfully steal homes, kick homeowners out, then sell it to the next victim. They have been doing this 50 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
No validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX, VP, XXXX XXXX XXXX  since XX/XX/XXXX. 

Mortgage is listed paid in full with the county registrar of Deeds office in XXXX. 

They are not assigned this mortgage. No valid proof that they are the assigned of the mortgage. 

The maxim of law stating that an " unrebutted affidavit stands as truth in commerce '' i have dozens of unrebutted affidavits from the XXXX XXXX XXXX 

Coercion DAYS before court date to trick me to pay them by saying they will not sell my house in 30 days unless i call them to work out a payments. They have already been paid. 

They are frauds in both Carolinas. They are not supposed to be contacting me, but sending mail from another site. 
This is just the tip of their trickery to unlawfully steal homes, kick homeowners out, then sell it to the next victim. They have been doing this 50 years.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hello, I recently received an email from a company claiming they are helping their client collect a debt that I was previously unaware of, this debt is over four years old. I live in the state of California. 
After doing some research on this company, LVNV, I noticed that my credit report lists them as the original creditor, which is incorrect because I never opened an account with them. I also learned that LVNV has a reputation for re-aging accounts. 
On XX/XX/year>, I submitted a dispute through XXXX XXXX, which will go through XXXX. It appears that this company may be violating the law by re-aging the account to make it appear more recent. 
At this time, I am unsure whether they actually own the account or have provided proper documentation to prove it. 
LVNV Funding LLC is not the original creditor. They are a debt buyer. They are also re-aging the debt by reporting an incorrect " Opened Date '' on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My father chose PNC Bank for his trust. He passed away on XXXX XXXX. My sister was the trustee and me and my brother were successor trustees. When my sister wrote the checks from the trust account to distribute the inheritance, PNC Bank returned the checks and said they were altered/fraudulent. I was the first sibling that was returned and my bank ( RBFCU ) then cut off my access to my account. I notified the other siblings so they could warn their bank and avoid getting cut off. PNC Bank had a limit on wire transfers so my sister obtained a cashier check for me. I attempted to cash the cashier check in a PNC Bank branch and was told that they would not honor the cashier check.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX ( XXXX ) business days from receipt of this request. 
Pursuant to FCRA 605B, I request that TRANSUNION block and delete the information appearing on my credit report that is the result of fraud and identity theft within XXXX business days of receiving this letter. 
The fraudulent, inaccurate, and false information consists of a personal loan account opened under the name XXXX, with the account number ( XXXX ). This account has caused several false entries and unauthorized inquiries to appear on my credit history. I have attached a copy of the credit report maintained by your agency showing the fraudulent item in question. 
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 Collections that are being challenged 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 Listed below are the Inquiries that are being challenged 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 2025-10-10 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various XXXX XXXX reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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: GA

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 2025-10-10 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: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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

Complaint narrative:
I have no knowledge of these collections and did not give permission for these things to be reported on my credit report

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have discovered that my credit report contains public records that are not associated with me, which is deeply troubling. I urgently request the removal of these inaccuracies, as they are causing me considerable stress and 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 non-monetary relief