vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, Experian Credit Report deleted an active credit card from my account causing my credit score to drop XXXX points. I contacted the credit card company to verify and no changes were made to my active account. I called Experian customer service on XX/XX/year> and they verified the account was deleted however, they could not make a correction or add the account back. This was unacceptable since the deletion of an active credit card caused my credit rating to go down along with the score.

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 2025-10-08 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: FL

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 2025-10-08 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: IL

Complaint narrative:
On XX/XX/XXXX, I was victim of an impersonation fraud scheme where someone created a fake XXXX  profile mimicking an administrator from a legitimate sports analysis group I belong to. This fraudster convinced me to send {$99.00} via Chime for an " exclusive subscription service '' that did not exist. On XX/XX/XXXX, they convinced me to send an additional {$50.00}, claiming they needed to initiate the first sports trade on my behalf before providing access to the main service. I remained in contact with this person for several days, believing the services would be delivered, until I discovered on XX/XX/XXXX, that I had been defrauded- the person was not the real administrator and no services were ever provided, and some others in the official group I was part of experienced a similar situation. 

On XX/XX/XXXX, I contacted Chime at ( XXXX ) XXXX to report these unauthorized transactions under the Electronic Funds Transfer Act ( EFTA ). A supervisor incorrectly told me that " personal transactions are not covered '' and that they " can not help, '' then hung up on me. This statement is factually incorrect - EFTA specifically protects consumer/personal accounts, not business accounts. I then spoke with XXXX in the Chime Fraud department who opened the case on this ( case # : XXXX ). I spoke with XXXX XXXX in their dispute department again who also refused to help. I then called the fraud department once more and spoke with XXXX who said that only the Dispute department can help with this but if they refuse, then there is nothing the company can do for me, and suggested that I contact the fraudster and request my money back ( as if that wasn't the very first thing that I did even before reaching out to Chime ). 

The transactions totaling {$140.00} were unauthorized because they were obtained through criminal impersonation and deception. I never intended to pay this fraudulent person and received no services whatsoever. 

Chime 's refusal to process this legitimate EFTA dispute violates federal law and continues the pattern of behavior that led to CFPB 's {$15.00} XXXX fine against Chime in XX/XX/XXXX for " illegally delaying consumer refunds. '' Actions taken by me : Reported fraud within 1 business day of discovery, provided evidence of impersonation scheme, referenced applicable federal law. 

Actions taken by Chime : Incorrectly claimed personal transactions aren't covered under EFTA, refused to process legally required dispute, hung up on customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXXXXXX XXXX XXXX XXXXXXXX, California, XXXX Date : XXXX Collection Agency Name : NATIONAL CREDIT ADJUST Collection Agency Address : XXXX XXXX XXXX XXXX XXXX, KS, XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I previously sent Exeter Finance my dispute letters along with supporting documentation, including my police report and FTC Identity Theft Report. To date, I have not received any paperwork or communication back from your company acknowledging or addressing my submissions.

The account in question was removed from my credit report but has since been reported again, which is inaccurate and unlawful. By law, under the Fair Credit Reporting Act ( FCRA ), Exeter Finance had 30 days to investigate and respond to my dispute. That deadline has long passed, meaning this account must be deleted from my credit report immediately.

I am demanding the permanent removal of this fraudulent account from all credit reporting agencies and written confirmation from Exeter Finance that the matter has been resolved in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting After Pay-for-Delete Settlement I am filing this complaint against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Both creditors and I entered into pay-for-delete settlement agreements, where they agreed that upon payment, the accounts would be considered satisfied and deleted or updated to reflect a positive/paid status. I fulfilled my obligations under these agreements in full. Despite that, these accounts are still being reported with late payments and derogatory marks, which is both inaccurate and harmful to my credit profile. 

Specifically, the following accounts are being reported incorrectly : XXXX XXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX These accounts show {$0.00} balances and Paid/Closed statuses, but continue to display multiple late payments. This is a clear violation of FCRA 607 ( b ), which requires furnishers to maintain maximum possible accuracy, and 611, which requires that any disputed information be promptly investigated and corrected or deleted. 

Additionally, this violates CFPB reporting standards requiring furnishers to provide accurate, complete, and updated information once a consumer fulfills a settlement or deletion agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting After Pay-for-Delete Settlement I am filing this complaint against XXXX XXXX XXXX XXXX XXXXXXXX and Bank of America for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Both creditors and I entered into pay-for-delete settlement agreements, where they agreed that upon payment, the accounts would be considered satisfied and deleted or updated to reflect a positive/paid status. I fulfilled my obligations under these agreements in full. Despite that, these accounts are still being reported with late payments and derogatory marks, which is both inaccurate and harmful to my credit profile. 

Specifically, the following accounts are being reported incorrectly : XXXXXXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX Bank of America Account ending in XXXX These accounts show {$0.00} balances and Paid/Closed statuses, but continue to display multiple late payments. This is a clear violation of FCRA 607 ( b ), which requires furnishers to maintain maximum possible accuracy, and 611, which requires that any disputed information be promptly investigated and corrected or deleted. 

Additionally, this violates CFPB reporting standards requiring furnishers to provide accurate, complete, and updated information once a consumer fulfills a settlement or deletion agreement.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries are showing on my credit report that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be verified, they should be corrected or deleted accordingly.

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 2025-10-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I joined XXXX XXXX to try fix my credit and basically they just took my money and done nothing to help me only take my monthly payments I was telling a friend about this and he told me that they was doing this to alot of people pretending fix there credit and doing nothing just taking people 's money he was the one told me file this complaint so here I am filing this complaint on this company that's like to steal people 's hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: NV

Complaint narrative:
NDR I inquired about my wife 's student loan debt. They pulled all of our credit and now my debt ceiling is XXXX. I was inquiring, I didn't sign up with them. A soft pull now XXXX  me even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MN

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX regarding an alleged account they are reporting. They received my request but never provided the legally required proof of validation. Despite this, Experian, TransUnion, and Equifaxs investigation marked the account as verified and updated on different dates in XXXX and showed on the credit reports I received from each credit reporting agency on XX/XX/year>, that I have provided as evidence, without providing any documentation or explaining their verification method. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 611 ( a ), Experian is required to delete unverifiable or unvalidated information from a consumers file. I am requesting that this account be properly investigated and removed, as no proof of the debt has ever been produced.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Requested Validation of debt 1. Who do I owe 2. what is the correct amount of debt 3. How old is the original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. 
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

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 2025-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
There is {$7200.00} of wrongfully accrued interest on my account. 

My account was wrongfully accruing interest nearly all through XXXX 0 % interest forbearance because Mohela failed to update my account correctly ( something that all the other federal student loan servicers had correctly managed to do for their borrowers ). I had accumulated $ XXXX interest during that time. 

Around XX/XX/XXXX ( exact date unknown ), Mohela finally corrected me to the 0 % interest ( just in time for interest to start accruing again shortly after in XX/XX/XXXX ). 

When they added me to the correct 0 % interest, they partially corrected my approved interest, though still left {$7200.00} of the wrongfully accrued interest. 

The excuse I received from XXXX was that my account wasnt actually approved to be in 0 % interest rate until XX/XX/XXXX, and that residual interest reflects that accrued between XXXX at beginning of XXXX forbearance, until XXXX XXXX when approved for 0 %. 

That is false, as I have correspondence from Mohela stating I should have been in 0 % interest forbearance starting in XX/XX/XXXX. Therefore, no interest should have accrued, and that entire {$7200.00} needs to be removed from my account. 

Attached are : XXXX XX/XX/XXXX letter confirming my placement in interest-free XXXX  forbearance. 
-My XX/XX/XXXX account statement showing the account interest at time placed into interest free forbearance which was minimal. 
XXXX XXXX, XXXX letter again confirming my placement in 0 % forbearance. 
-Online screenshots showing {$200.00} and {$7000.00} accrued interest between my XXXX accounts through XX/XX/XXXX. This was after partial correction of my interest. This is the amount that still needs to be removed.

Company response to consumer: In progress
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}

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: 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Blocking of Fraudulent Information under FCRA 605B Dear TransUnion, I am writing to notify you that I am a victim of identity theft connected to the TransUnion data breach of XXXX. As a result, fraudulent and unauthorized accounts and information have been placed on my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, FCRA 605B ), I am formally requesting that you block and permanently delete all fraudulent information from my credit file within XXXX business days of receiving this letter, as required by law. 

Enclosed are the following documents to support my request : XXXX. A copy of my government-issued photo identification. 
XXXX. A copy of a utility bill or other acceptable proof of my current address. 

The following items on my TransUnion credit report are fraudulent and must be blocked and permanently removed : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX separate inquiries ) Only my legal name and current address, as provided above, should remain on file. 

Please provide me with written confirmation once the fraudulent information has been blocked and removed, and confirm that my credit file is accurate and secure. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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