vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Subject : LEGAL NOTICE DISPUTE OF UNAUTHORIZED AND UNVERIFIED ACCOUNTS 15 U.S.C. 1681 ( a ) ( 4 ), 1681 ( b ), GRAMM-LEACH-BLILEY ACT VIOLATIONS ( FTC NOTICE XXXX ) To Whom It May Concern, This letter serves as a second and final demand for the immediate deletion of inaccurate and unverified information contained within my consumer file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

Your continued reporting of the below-referenced accounts, despite prior dispute, constitutes a willful and negligent violation of the FCRA and federal data protection laws. You have not provided full disclosure, including any documentation bearing my wet signature or valid written authorization permitting these institutions to report or share my information with EWS or any third-party consumer reporting agency! 

ACCOUNT TO REMOVE : XXXX XXXX ON EARLY WARNING ( ACCOUNT ABUSE ) I HAVE NEVER OWNED A XXXX XXXX  ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute one or more unauthorized hard inquiries that appear on my credit report maintained by your agency. These inquiries were made without my knowledge, authorization, or any permissible purpose, in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. According to the FCRA, a hard inquiry may only be made if there is a legitimate and permissible purpose, such as applying for credit, insurance, employment ( with written consent ), or other situations expressly permitted by law. I did not initiate or authorize this inquiry, and I demand that it be removed immediately from my credit file. Under 15 U.S.C. 1681i, I am requesting that your agency conduct a reasonable reinvestigation into this matter and delete the unauthorized inquiry from my file. Please also provide a written confirmation of the results of your investigation within 30 days, as required by law. If this unauthorized inquiry is not removed, I will consider taking further legal action and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to 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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I am submitting this complaint regarding two unauthorized charges made to my debit card ( XXXX  ending in XXXX ) related to Google XXXX / Google XXXX XXXX 

Claim details : Claim ID XXXX submitted XX/XX/year> Claim ID XXXX submitted XX/XX/year> Transaction details : 1. Google XXXX XXXX ( 2 XXXX  ) {$19.00} USD, XX/XX/year>, XXXX XXXX  ( XXXX XXXX, XXXX ), Transaction ID XXXX.. XXXX, Merchant : GOOGLE * GOOGLE XXXX 2 . Google XXXX XXXX ( 2 XXXX ) {$19.00} USD, XX/XX/year>, XXXX XXXX  ( XXXX XXXX, XXXX ), Transaction ID XXXX .. 1, Merchant : GOOGLE * Google XXXX I briefly used the XXXX service only during its free trial period. I never agreed to, activated, or extended any paid subscription, and never received notice that a trial would convert to a paid Google XXXX plan. I never used paid storage or premium features. 

Upon discovering these charges, I immediately investigated, identified the account, and cancelled the subscription within one hour. Despite this, both refund requests were denied without justification. The slightly different merchant descriptors suggest internal errors or unauthorized auto-billing. 

Evidence : screenshots of transactions, refund denial messages, subscription cancellation proof, and bank statement excerpts.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX, TX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX Incorrect DOB : - XXXX  Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXXl for knowingly reporting false and inaccurate information about a closed automotive lease, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681b ( a ). 
On XX/XX/XXXX, and again on XX/XX/XXXX, I disputed the XXXX XXXX XXXX through all three consumer reporting agencies ( XXXX, Experian, and XXXX  ). Both times XXXX verified the account as a charge-off, even though my lease was paid in full and I was never in default. The only issue raised after the lease ended was a separate insurance matter unrelated to the lease itself. 
XXXX  has therefore knowingly continued to furnish false data after receiving notice of dispute from the CRAs, constituting a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). They have also failed to ensure maximum possible accuracy as required by 607 ( b ).

This lease is not a credit transaction, and its furnishing to CRAs violates the FCRAs permissible purpose requirement ( 604 ( b ) ). XXXX obtained and furnished my consumer report information without lawful authorization, violating 604 ( b ) and 1681q ( false pretenses ). Additionally, XXXX failed to provide the FTC-required co-signer disclosure under 16 C.F.R. 444.3. 
Their conduct has caused measurable harm to my credit scores, denied credit opportunities, and emotional distress from repeated verifications of false information.

Requested Relief : Immediate deletion of the inaccurate lease tradeline from all CRAs.

Written confirmation of correction. 
Civil settlement of {$5000.00} for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 
Supporting authorities include 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 each confirming that non-credit lease obligations fall outside the scope of permissible consumer reporting.

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 2025-10-05 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:
Case number with trans union XXXX XXXX  handing department Specialist confirmed with me today that they had removed the fraud accounts, but the creditors already ran my information and added their selves back to my credit report. I asked the agent I have a letter in the mail stating that those accounts were removed and blocked for my credit report what happened? One thing she can do was apologize for the damages that has been done to my credit. A drop of XXXX points

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the Portfolio Recovery Associates collection account XXXX. XXXX is reporting conflicting balances and inconsistent delinquency dates, which violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) requiring maximum possible accuracy. Additionally, PRA has not provided proper validation of ownership of the alleged debt.

Pursuant to FCRA 623 ( a ) ( 3 ) and 611 ( a ), any unverifiable or inaccurate collection account must be corrected or deleted from my credit reports with Equifax, Experian, and TransUnion. 

Please investigate this matter promptly and provide written confirmation of the results. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I received a letter in the mail from my surge credit card, saying that they closed my account and any remaining balance I didn't have to pay. This was the second week of XXXX. I never requested that my account be closed they did it on their own. Now they keep texting me wanting me to pay. I think they should have a copy of the letter in my file.

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: NV

Complaint narrative:
I am writing this to formally express my concerns reguarding zelle handling disputes particularly in light of the cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that the recovering lost funds were impossible to track and that the tracking of these funds were unfeasible. The cfpd findings indicate that zelle has not only to protect consumer but also allowed repeated offenders exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the unlawful and inaccurate reporting of my bankruptcy case on my consumer credit report.

According to 15 U.S. Code 1681a ( 4 ), a consumer report includes only information that is properly obtained, maintained, and furnished for permissible purposes under the law. This section also emphasizes the consumers right to privacy and accuracy, ensuring that no information is reported or disclosed unless it meets those lawful conditions. 

However, my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) filed and discharged on XX/XX/year>, in the United States Bankruptcy Court XXXX XXXX XXXX of XXXX has been inaccurately or unlawfully reported on my credit file by Experian XXXX Equifax XXXX and TransUnion XXXX 

Upon contacting the U.S. Bankruptcy Court directly, I confirmed that the court does not furnish or verify bankruptcy information directly to credit reporting agencies. This means that any such reporting or verification was performed by third-party data vendors ( such as XXXX or PACER data miners ) not the court itself. 

This practice violates my rights under the FCRA, as : XXXX. My consumer report now contains information that was not obtained directly from a permissible source ( 15 U.S.C. 1681a ( 4 ) ) ; 2. The information was not verified for accuracy before being published by the credit bureaus ( 15 U.S.C. 1681e ( b ) ) ; and 3. The disclosure of my private bankruptcy record constitutes an unauthorized invasion of privacy, in violation of the FCRAs intent to protect consumers from inaccurate or unlawfully sourced information.

I am requesting that this matter be investigated and that the bankruptcy record be permanently removed from my credit reports unless the credit bureaus can provide verifiable documentation of lawful and direct reporting from the bankruptcy court itself.

Please confirm receipt of this complaint and provide a written response outlining any actions taken regarding this matter.

Thank you for your attention to this issue and for upholding consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the unlawful and inaccurate reporting of my bankruptcy case on my consumer credit report.

According to 15 U.S. Code 1681a ( 4 ), a consumer report includes only information that is properly obtained, maintained, and furnished for permissible purposes under the law. This section also emphasizes the consumers right to privacy and accuracy, ensuring that no information is reported or disclosed unless it meets those lawful conditions. 

However, my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) filed and discharged on XX/XX/year>, in the United States Bankruptcy Court XXXX XXXX XXXX of XXXX has been inaccurately or unlawfully reported on my credit file by Experian XXXX Equifax XXXX and TransUnion XXXX 

Upon contacting the U.S. Bankruptcy Court directly, I confirmed that the court does not furnish or verify bankruptcy information directly to credit reporting agencies. This means that any such reporting or verification was performed by third-party data vendors ( such as XXXX or PACER data miners ) not the court itself. 

This practice violates my rights under the FCRA, as : XXXX. My consumer report now contains information that was not obtained directly from a permissible source ( 15 U.S.C. 1681a ( 4 ) ) ; 2. The information was not verified for accuracy before being published by the credit bureaus ( 15 U.S.C. 1681e ( b ) ) ; and 3. The disclosure of my private bankruptcy record constitutes an unauthorized invasion of privacy, in violation of the FCRAs intent to protect consumers from inaccurate or unlawfully sourced information.

I am requesting that this matter be investigated and that the bankruptcy record be permanently removed from my credit reports unless the credit bureaus can provide verifiable documentation of lawful and direct reporting from the bankruptcy court itself.

Please confirm receipt of this complaint and provide a written response outlining any actions taken regarding this matter.

Thank you for your attention to this issue and for upholding consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX Commercial Banks XX/XX/XXXX TransUnion, XXXX EMPLOYERS NOT XXXX  XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I'm requesting LexisNexis to provide a disclosure report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I serve as the Power of Attorney for my XXXX aunt who's savings account was closed with no reason given by Marcus by Goldman Sachs. We believe this is related to an incorrect SSN on file.For several years we have been trying to correct the SSN on the savings account with Marcus by Goldman Sachs. We receive letters saying to call, we call, and they say they will call us back, but they do not, and then we receive a letter saying to call again. 

Finally, on XX/XX/year>, we received a letter that the account has been closed. We called XX/XX/year>. We were told that we would receive a call back the next day but did not receive a call. We called again XX/XX/year> and were told to file an Electronic Fund Transfer Dispute, but upon seeing the form, we were not given a Dispute Number to fully complete the form. They were not able to tell us why the account was closed and have just assured us that someone will call back in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
This debt was bought by a third party. I have a contract with XXXX XXXX.I told them that I was moving out and I was not going to resignThey told me if I stayed and didn't sign a contract.It would be XXXX XXXX XXXX XXXX  a month, which I was only paying XXXX XXXX a month.And I still have the contract in my XXXX  from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
I have been trying to log into my Experian account to temporarily lift a freeze. Their automated system ( both via phone and computer ) are not able to verify my identify. 

I have tried for several hours to rectify this through their available systems ( online and phone ). 

I have repeatedly tried to gain access to a human representative/specialist to rectify the issue and the automated system refuses to do it.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capitol took me to court regarding three credit cards one was for XXXX was for XXXX and Im almost for XXXX and the judge ruled in my favor because they couldnt show adequate validation and its still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
I provided services to hang wallpaper and was paid through the square mobile app under The XXXX XXXXXXXX XXXX XXXX XXXXXXXX email XXXX I have every text communication with the client that proves he was satisfied with services. I have every picture as well. 
The client went and refunded his money back and they took XXXX and did not release it back to me. I have attempted several times to have square release them this has cost me XXXX in all. There was no reason for not releasing my job payment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am disputing the accuracy of the information being reported by SYNCB/Care Credit on my credit report. 

Account Details : Account Name : SYNCB/Care Credit Reference No. : XXXX Date Opened : XX/XX/XXXX I previously disputed the reported late payment status for this account, but no correction or documentation has been provided to support the continued reporting. The late status remains despite multiple requests for verification. SYNCB/Care Credit has failed to provide proof of any proper investigation or validation as required under the Fair Credit Reporting Act ( FCRA ). 

I have requested that this dispute be reviewed manually, not through e-OSCAR or any automated process, in accordance with the CFPBs XXXX Consent Order, but no human verification appears to have taken place.

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