vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
United auto credit is charging me for XXXX for a XXXX  salvage truck thats from auction the dealer paid {$500.00} it was wrecked and severely damaged I didnt receive my contract till months later I never signed it thats fraud I had to put a down payment down that fraud because cash and a finance cant co mingle I was told by the dealer it runs great however I went to a shop and all the lights were on and the odometer had been push back the same day Ive been stuck with a damaged vehicle since day 1 united auto credit charged finance interest rate is at 21 % interest that excessive this company is doing signature forgery organized fraud extortion and excessive finance harassment to me my job reference coworkers they even started recording me and has a private investigator driving behind me when the the truck isnt in the shop which is most of the time charges I owe more now that when I bought it this is a horrible company stay away my down payment I was told goes towards the vehicle hahaha that went to the dealer the dealer is my lien holder so this proves that the dealer and united auto credit charged finance co mingle illegal business together the dealer changes names and location so people cant get ahold of united auto credit has so many different corporational addresses and numbers Ive certified mailed them so many times that alone would cripple someone I honestly think the only reputable thing to do is for them refund me my money all of it please stay away from this company they are thugs in suits Ive been told on the phone that XXXX a XXXX XXXX pay your bill they wont negotiate or anything and the car has had issuesssssss X XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-07 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: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2025-10-07 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:
To whom it may concern, Please read this letter carfully and take into consideration the facts that I have established. I have spent a significant amount of time building an incredible armory of court cases that I plan to use against you. The incorrect and unauthorized accounts on my credit report has cause alot of mental and emtional stress. My information has been exposed in several data breaches.I dispute the accuracy of the reporting, balances, and status of the student loan account ( s ) listed below as they appear on my credit report dated XX/XX/XXXX. Under the Fair Credit Reporting Act and furnisher responsibilities codified at 15 U.S.C. 1681s-2 ( b ), you have an obligation to investigate any dispute referred to you by a consumer. 
Please provide me with the following documentation for each account within 30 days : 1. A complete payment history and accounting ( original loan amount, dates, interest, fees, payments, adjustments, and current balance calculations ) ; 2. The original promissory note ( s ) or contract ( s ) with my signature ( or other proof of my obligation ) ; 3. Documentation showing chain of ownership/assignment if the loan was sold or transferred ( show each seller/buyer and dates ) ; 4. Records of any deferment, forbearance, discharge or modifications you have applied to the account, with supporting documentation ; 5. Copies of any investigation and documentation that have been provided to your company ( the Experian report indicates prior disputes and results ). 

- Account # : XXXX XXXX {$3500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$2000.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$3500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$6600.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$6500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$4500.00} Date opened XX/XX/XXXX. 


If you are unable to provide the requested documentation proving the accuracy of the accounts, please promptly ( a ) correct the reporting to the nationwide consumer reporting agencies, and ( b ) notify them to remove or update the records so my credit report reflects accurate information. 

If you believe these accounts are valid but that I am not the correct obligor, please provide evidence of assignment and authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
On XX/XX/2025 at XXXX XXXX XXXX, I received a call from Williams & Fudge regarding an old university debt. When I stated that my status of XXXX and unemployment had not changed from the previous weeks, the collector asked personal questions, including Who helps pay your bills? and whether or not I am on XXXX, and suggested I ask friends or family to make payments of $ XXXX. I am not married nor a legal dependent, so these questions were not only intrusive and irrelevant, but also suggestive that a third party must be responsible for my debt. These actions violate 15 U.S.C. 1692c ( b ) ( third-party communications ), 1692e ( false/misleading representation ), and 1692f ( unfair practices ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Could I please get back the cash advance fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX trying to pay my credit card off but I keep getting unnecessarily fees I brought my balance down from XXXX $ to XXXX $ and just keep getting fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Im really frustrated to see that the unauthorized inquiries remain on my credit report even after checking again today. Please go over my submitted documents carefully so this problem doesnt keep happening.

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 2025-10-07 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 express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform 's treatment of consumers. 
Despite having used Zelle multiple times and reporting several discrepancies, neither my financial institution nor Zelle adequately investigated my claims. I was informed that recovering the lost funds was not possible, and that tracking these transactions was unfeasible. This response is both unacceptable and deeply troubling, especially given the CFPBs findings, which suggest that Zelle has failed to implement basic consumer protections. 
According to the CFPB, Zelle has not only neglected to safeguard users but has also enabled repeat offenders to exploit the system, leaving customers like myself vulnerable to fraud and scams without meaningful recourse. 
I urge you to take my complaint seriously and to reconsider your current policies surrounding dispute resolution and transaction transparency. Consumers deserve a secure platform with robust protections, especially when dealing with real-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
This account is inaccurate so I am kindly requesting for an investigation about this along with the documents I've attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> I have been took and cant not use amount of {$4500.00} for bills and credit payments. I also tried to contacts them nd they where no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Im not entirely sure, I woke up and my cards were declined and my account was closed. i went to the branch and was refused an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove this incorrect name from my credit report immediately. My correct\nname is XXXX XXXX XXXX.\nXXXX\n2. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-07 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: GA

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 2025-10-07 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against APPLE CARD/GS BANK USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( 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 : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint because Citibank has been inaccurately updating a charged-off credit card account on my credit report. 

The account was showing an amount past due each month since XX/XX/year>. On XX/XX/year> Citibank started reported a past due amount of {$340.00} which will increase monthly ; XX/XX/year> {$510.00}, XX/XX/year> {$1300.00} and today date an amount of {$3000.00}. However, Citibank continues to report the account as if it were still delinquent and active by increasing the outstanding past due amount This reporting pattern makes it appear as if I have ongoing missed payments after the charge-off, which is misleading and harmful to my credit. 

Under the Fair Credit Reporting Act ( FCRA ), a charged-off account should be reported as a closed account with a fixed charge-off date and balance. Continuing to update the balance and missed payments after charge-off may constitute re-aging of debt, which is prohibited under FCRA 623 ( a ) ( 2 ).

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 2025-10-07 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: WI

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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AK

Complaint narrative:
I tried applying for a prepaid card but I keep getting denied with no explanation why! I chat with cash app assistant and did not get explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
Important Notice to Responding Entity : This matter involves serious legal allegations related to violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as potential arbitration claims being prepared against your company. 

Therefore, I strongly urge that this complaint be immediately escalated to your internal legal department or compliance team. 

Any delays, misrouting, or attempts to handle this through standard customer service channels will not be acceptable and may be used as further evidence of willful noncompliance in future legal proceedings.

I have already taken similar action against other furnishers, including filing a formal arbitration with the XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems may be named next if this issue is not resolved in good faith. 

Consider this a formal warning that further mishandling or disregard of this complaint will escalate the matter. 

Thank you.

Company response to consumer: Closed with explanation