vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of delayed fund returns and the lack of adequate investigation into my previous claims. Despite being a long-time user of your platform and reporting multiple discrepancies, I have experienced significant delays and insufficient follow-up regarding funds that were promised to be returned. 
Chime representatives informed me that recovering my lost funds was not possible and that tracking these transactions was unfeasible. This response is both unsatisfactory and troubling, especially in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit highlighting ongoing systemic issues with Chimes consumer protection practices. 
The CFPBs findings suggest that Chime has failed to provide adequate safeguards for its users, allowing repeat offenders to exploit vulnerabilities within the system. This lack of accountability and transparency raises serious concerns about consumer safety and confidence in your platform. 
I respectfully request a formal review and resolution of my case, along with a clear explanation of the steps Chime will take to ensure that such lapses in consumer protection do not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX 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 XXXXXX/XX/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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Chime Banks handling of customer disputes and account issues, especially in light of the recent CFPB findings highlighting ongoing problems with the platform. 

Despite multiple attempts to resolve my issue directly with Chime Bank, including repeated reports and supporting documentation, my concerns were not properly investigated or addressed. I was informed that recovering my lost funds was not possible and that tracking the disputed transactions could not be done. This response reflects a lack of transparency and accountability toward affected consumers. 

The CFPBs findings demonstrate that Chime Bank has failed to implement adequate consumer protections, allowing repeated lapses that leave customers exposed to financial harm and exploitation. My experience reflects these same systemic issuespoor communication, unresolved disputes, and inadequate refund processes. 

I urge the CFPB to review this matter to ensure Chime Bank complies with consumer protection standards and provides appropriate redress to affected customers. The lack of clear resolution mechanisms and delays in refunding or recovering funds have caused unnecessary hardship and frustration for many users, myself included. 

I appreciate your attention to this matter and request that it be reviewed promptly to help prevent further consumer harm. 

I have had numerous issues in the past, as well as a situation with fraud on my account and they didnt respond with the proper resolution, which led me to contact the CFPB almost 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, I deposited a check into my bank account via an ATM. The check was issued by XXXX XXXX XXXX and was signed by my brother and me. After making this deposit, the funds became available within XXXX days. However, in XXXX, my brother received another check from the same credit union. Once again, we both signed the check before I deposited it into the Bank of America ATM. 

To my shock, shortly after this second deposit, Bank of America closed my account without any prior warning or explanation. Not only did they close my account, but they also retained my brothers check, failing to return it to us. I attempted to resolve the situation by calling the bank to understand the reasons for the account closure and to inquire about my brother 's check. Unfortunately, the representatives I spoke with were unhelpful and treated me as if I were guilty of some wrongdoing. They refused to provide any information regarding why my account was closed or why they were withholding the check. 

Adding to the frustration, I later discovered that the issuing bank confirmed my brother 's check had been marked as cashed, meaning they could not reissue it. This situation has left me feeling powerless, as it appears Bank of America is unjustly holding onto the funds after closing my account. Given that they have previously accepted deposits of my brother 's checks without issue, I find it perplexing and deeply frustrating that I am now being penalized for depositing another one.

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 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a debt collection notice from a company claiming I owe money for medical services from a gastroenterology clinic that I never visited or used.

After receiving the notice, I contacted the company to request clarification because I believe this charge is a mistake or a possible scam.

Recently, I also received a data breach notification from XXXX XXXX stating that my personal and medical information may have been accessed without authorization.

I believe this fraudulent bill may be related to that breach.

I am reporting this incident as a potential case of identity theft or medical billing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I am filing a complaint regarding inaccurate information and unauthorized inquiries appearing on my credit report. My report lists an incorrect address XXXX XXXX, XXXX, SC XXXX which I have never used or resided at. Additionally, the following inquiries were made without my consent and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and XXXX XXXX ( XX/XX/year> ). These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) 604 and 607 ( b ), which require accuracy and permissible purpose for inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I am filing a complaint regarding inaccurate information and unauthorized inquiries appearing on my credit report. My report lists an incorrect address XXXX XXXX, XXXX, SC XXXX which I have never used or resided at. Additionally, the following inquiries were made without my consent and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and XXXX XXXX ( XX/XX/year> ). These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) 604 and 607 ( b ), which require accuracy and permissible purpose for inquiries.

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 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: TX

Complaint narrative:
part of Several data Breaches received over XXXX correspondence stating my information has been compromised us bank-XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not mines asked to remove XX/XX/XXXX disputed XXXX  XXXX and i have service with them now and they still have collection with XXXX  ive asked XXXX to remove for over XXXX  years now.. 

all reported late to XXXX  XXXX  snd 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 2025-10-06 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: AR

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) Dear XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing in response to your letter dated regarding an alleged debt that you claim I owe. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information in writing : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a detailed breakdown of fees, interest, and other charges.

3. A copy of the original contract or agreement bearing my signature that verifies my responsibility for the debt. 
XXXX. Documentation that you are authorized to collect on behalf of the creditor, or proof that the debt has been legally assigned to you. 
XXXX. A complete record of all payments made on the account, if any. 

Until this information is provided, you must cease all collection activities, including reporting this debt to any credit bureaus, as doing so without proper validation violates the FDCPA.

Please note that this letter is not a refusal to pay, but a notice that your claim is disputed. Any attempt to collect without proper validation will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 

I request that all future communications be made in writing only. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving numerous users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety, privacy, and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-10-06 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: NC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime 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 chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime 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 chime 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 2025-10-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a formal response to XXXX investigation summary regarding unauthorized inquiries and other inaccurate information reported on my credit file. This response is submitted under CFPB Complaint # XXXX and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) rules, and XXXX XXXX compliance standards. 1. Equifaxs Admission of Inconsistent and Incomplete Investigations Equifaxs own written response admits that : Inquiries are a factual record of file access and will remain on the Equifax credit file XXXX years from the reported date of the inquiry... However, it is our policy to retain all inquiries for XXXX years. This shows Equifax relies on internal policy rather than federal law, violating FCRA 604 ( a ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ). Courts have ruled that a CRA can not merely parrot information provided by furnishers but must perform an independent and reasonable investigation ( Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ). 2. Violation of XXXX XXXX and CFPB Accuracy Standards Equifaxs handling violates XXXX XXXX guidelines requiring data to be accurate, verifiable, and authorized. Reporting inquiries without proof of consumer consent breaches FCRA 623 ( a ) ( 1 ) ( A ) and CFPB Regulation V, 12 C.F.R. 1022.42. 3. Pattern of Noncompliance and Regulatory Action The CFPB and FTC have both taken enforcement actions against Equifax and other bureaus for failing to conduct reasonable investigations ( CFPB v. Equifax Inc., 2017 ; FTC v. Equifax, 2019 ). 4. Selective Verification and Admitted Accuracy Contradictions Equifax verified a public record bankruptcy using proper documentation, proving they can verify information when documentation exists. Yet, for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and others, Equifax admits no documentation was reviewed, violating FCRA 623 ( b ) and 1681e ( b ). 5.

Request for Enforcement and Corrective Action I am demanding : 1. Immediate removal of all unauthorized hard inquiries listed in CFPB Complaint # XXXX. XXXX. A reinvestigation compliant with FCRA 611 ( a ) and XXXX XXXX standards. XXXX. 
Written verification of compliance within XXXX business days. 4. Notice to all furnishers that these inquiries are disputed under FCRA 623 ( a ) ( 3 ). Failure to comply will result in legal action under FCRA 616617 for willful and negligent noncompliance ( Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) ). 6. Preservation of Rights This notice serves as formal documentation that Equifax is now aware of these violations. Continued reporting of unverifiable or unauthorized inquiries after receipt of this notice will be considered willful misconduct under the FCRA. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime 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 chime 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