vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
In XX/XX/2024, my Zelle account was suddenly restricted without any prior notice or explanation. I operate a small business and rely on Zelle as my primary payment method due to its convenience and 0 % transaction fees. The restriction has severely impacted my operations, as a large portion of my customers pay me through Zelle. 

Initially, I contacted my bank, XXXX XXXX, who informed me after several escalations that the restriction was not made by them, but directly by Zelle. I was referred to Zelles customer service number ( XXXX ). I called this number several times in the following weeks and eventually spoke with their second-level support team, who confirmed that Zelle was solely responsible for the decision to restrict my account. They also informed me that only Zelle has the authority to reverse the restriction. 

Since then, I have called and emailed Zelle multiple times attempting to appeal the decision and request more information. Despite my repeated efforts, I have received no response at allno explanation, no appeal process, and no resolution. 

To support my case, I have compiled and submitted the following documentation : Business bank statements showing all Zelle transactions for the six months prior to the restriction Proof of shipment for every customer order, with valid tracking numbers Contact information of my customers, who are available to verify they received their orders I have invested a great deal of time and energy into gathering this documentation to prove that my use of Zelle has been legitimate and tied directly to verified business transactions. 

The lack of communication, transparency, and due process from Zelle has caused me serious financial and operational hardship. I respectfully request that the Consumer Financial Protection Bureau assist in compelling Zelle to : Respond to my inquiries, Review the evidence Ive provided, And give me a fair opportunity to appeal or resolve the issue. 
I am simply asking for the chance to be heard and treated fairly as a small business owner who relies on this payment platform to serve my customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations. 
I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliant Capital Management LLC
State: MS

Complaint narrative:
I am disputing how XXXX XXXX is reporting an account on my XXXX credit file. The account shows two charge-off dates ( XXXX and XX/XX/XXXX ), which is inaccurate and violates proper credit reporting guidelines. I was on auto-pay and made consistent payments through XX/XX/XXXX. However, XXXX reported underpaid auto-drafts ( e.g., {$450.00} paid vs. {$450.00} scheduled ) without ever notifying me of an issue, then charged off the account anyway. 

In addition, EXXXX is showing a high balance/credit limit of over {$20000.00}, which is not reflective of any actual usage or agreement and appears artificially inflated. This may impact my credit utilization and is misleading. 

I have not received any proper explanation or validation from the company, and these reporting errors are damaging. I am requesting that the CFPB require XXXX XXXX to provide complete and accurate documentation or remove the account from my credit report entirely under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accouns from my report, They are hurting my ability to obtain credit.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
O

n XXXX XXXX2025, a series of unauthorized XXXX XXXX  transactions totaling {$3200.00} were made from my Chime account without my knowledge or consent. There were 11 transactions in total, all of which were initiated while my account was compromised. I immediately contacted Chime to report the fraud and dispute the charges. Despite providing all necessary information and explaining that I did not authorize these payments, Chime denied my dispute, claiming there was insufficient evidence of unauthorized activity. The pattern of transactions and timing clearly suggest account takeover fraud, yet Chime failed to reverse the charges or provide a satisfactory explanation of their investigation. Their response did not comply with the consumer protections required under Regulation E of the Electronic Fund Transfer Act. I am seeking a full refund of the stolen funds and a proper explanation of the investigation Chime conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
the inaccurate and unlawful reporting of late payment information on my consumer report. Upon reviewing my consumer report, I noticed that XXXX XXXX XXXX has reported transactions and late payments that, by law, should be excluded under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the inaccurate and unlawful reporting of late payment information on my consumer report. Upon reviewing my consumer report, I noticed that XXXX XXXX XXXX has reported transactions and late payments that, by law, should be excluded under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ).

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XXXX 2022 i had an account with chime and they closed the account stating they did not receive a direct deposit i had {$1500.00} in the account they said they would send back and they never did. I have been trying to get this back calling the news and reaching out to them. I gave them everything they requested and they still have not sent it.

Please help me i am a retired state employee on a fixed income and this was so disappointing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a Synchrony Bank credit account to finance a mattress purchase under a promotional no interest if paid in full financing offer. I made all payments on time for over two years and had auto-pay enabled to ensure I stayed in good standing. 

The promotional period ended in XX/XX/year>. I recently discovered that Synchrony charged me retroactive deferred interest on the entire purchase amount and has continued charging interest since then. At no point was I clearly notified that I was not on track to pay the promotional balance in full before the deadline. I believed my automatic payments would satisfy the full balance within the timeframe. 

When I contacted Synchrony, they declined to reverse the interest, even though I never missed a payment and clearly acted in good faith.

Why this is a problem : - Synchrony did not provide adequate warning or reminders that I was at risk of losing the promotional benefits.

- I relied on auto-pay and made every scheduled payment on time.

- I was not intentionally carrying a balance ; this appears to be a communication and transparency issue with how the promotion was structured and monitored.

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 2025-05-25 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: FL

Complaint narrative:
I am submitting this formal complaint regarding Experian violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead I received no response to the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the 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 2025-05-25 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Bank is falsely reporting inaccurate balances. Last month it showed an increase of {$86.00}. This month shows a report of an increase of {$45.00}. I have acesss to my dashboard and it shows the correct balance. Each month they report the closest number in the dashboard then day 's later it goes up? It hurts my credit score every time i make a payment. THIS BANK NEEDS TO START REPORTING CORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank is involved in and allowing multiple funds to be taken from my account their system is not letting the amounts be visible. My information has been shared and accessed they aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I paid my grandmother phone bill then it just closed I hope not because I was adding it on different devices because it would work on mines so I had to use my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experion wont let me access or update my account. I tried calling XX/XX/year> and they refused to let me speak to a representative. I cant access my account or credit report and also cant correct my address email or phone number.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I requested Debt Validation for this company on XX/XX/year>. I have yet to receive it! 
In additon I have requested that these people ONLY respond to me via USPS Postal Mail. They have not honored this! They have contacted me via text message and email! ' THEY ARE IN DIRECT VIOLATION OF BLATANTLY NOT HONORING MY REQUEST!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX  of XXXX I opened a cash app account. Created the account went to log in it said my account was closed due to a violation of terms of services. They will not explain to me if somebody else had used my information prior to me but I've never used them how could I have violated a terms of service. They are not giving me any answers I appealed it it's been 30 days I need to know if someone else is using my information creating fraudulence accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/year>, USAA sent me code verification about a transaction in XXXX. Then, I got a phone call pretending the USAA fraud agent and started verifying my information. The scammer knew everything about me that only USAA knows ie. Last 4 SSN, XXXX service and rank, when my account was created, citizenship status. They also know that my card stopped working which an issue that I have called USAA twice to get a new card. Then they asked me to send {$2900.00} through XXXX  for a test to see if my account is working. I did not have more than {$800.00} in my account but USAA transferred {$5000.00} to my checking from my savings account ( XXXXXXXX XXXX  ) that I noticed but my savings do not have {$5000.00} yet the transfer still went through. They started asking about my credit cards and my credit limits which are not related to USAA. After realizing that this is a scam, I called USAA and reported the fraud. I asked them to dispute the transfer, which they did and they locked my account for days. Today, I got an email from them saying that my apple subscription payment of {$2.00} was declined due to unsufficient funds. I called them to ask about the status of my report and to unlock my account to see my bank and it looks like the fraudulent transfer went through. Now, I have- {$2400.00} balance in my account.

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 2025-05-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and found there to be fraudulent activities

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 2025-05-25 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: MI

Complaint narrative:
I am formally disputing five collection accounts that appear on my credit report. I have previously submitted disputes with the credit bureaus and the furnishers, but I have not received any proper response or investigation results as required by the Fair Credit Reporting Act ( FCRA ). Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to a timely and reasonable investigation of any item I dispute. These accounts are either inaccurate, unverifiable, or not in compliance with FCRA requirements. I am requesting that all five accounts be permanently removed from my credit report and that I receive written confirmation of the investigation results. Failure to correct these issues is a violation of federal law. 

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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation