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: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, plenty of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds wasnt possible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also let repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns. I no longer trust many websites when it comes to sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
They closed my account for no reason told me there were going to send me a check with my remaining funds its been over 10 business days ive yet to receive my check with my funds. I also requested a report of all my transactions because they were lying about my ending balance.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established XXXX XXXX XXXX XXXX established XXXX XXXX They all have the wrong address.

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 2025-10-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established XXXX XXXX XXXX XXXX established XXXX XXXX They all have the wrong address.

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

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally address multiple inaccuracies and unauthorized actions affecting my credit report, which have caused significant harm to my creditworthiness and financial reputation. These issues include incorrectly reported late payments, unauthorized hard inquiries, and other discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated attempts to resolve these matters directly with the creditors and credit reporting agencies, the errors remain uncorrected, and my credit report continues to reflect misleading and damaging information. I am requesting a comprehensive investigation and immediate correction of all inaccuracies in accordance with federal law. 

XXXX XXXX XXXX * High Balance : {$21000.00} Date Opened : XX/XX/year> Late Payment XXXX XXXX  This account has been repeatedly disputed due to late payment information that remains unverified. I never received any lawful documentation that proves the accuracy or ownership of these alleged delinquencies. Under FCRA 611 ( A ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. No original creditor validation, payment records, or signed agreement verifying this late payment have been provided. Continuing to report unverifiable information after multiple disputes is considered willful noncompliance under FCRA 616 and 617. The ongoing reporting of these unsubstantiated delinquencies has caused harm to my creditworthiness and financial reputation, violating the principles of accuracy and fairness under FCRA 602 ( A ). I demand immediate deletion or verifiable proof of these claims from the original source as required by law. 

I respectfully request the CFPB to enforce compliance with federal credit reporting laws by ensuring the complete and accurate correction of my credit file. This includes the removal of all unauthorized inquiries and incorrect late payments, and verification that all reporting entities adhere strictly to FCRA and FDCPA requirements. Correcting these violations is necessary to restore the integrity of my credit report, prevent further harm, and hold the responsible parties accountable for their noncompliance. I expect the CFPB to take prompt action to investigate, resolve, and provide confirmation of the remedial measures taken.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Chime handlings of disputes particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. despite using Chime, numerous of times reporting discrepancies my financial institution and Chime felt to investigate my claims adequately. They informed me that recovering lost funds. Was impossible and tracking these transactions was unfeasible.The CFPBs findings indicate Chime has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable two scams the lack of a 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: 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: NC

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

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 2025-10-08 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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: 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 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 a 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 to any 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am formally requesting a full reimbursement for all of my XXXX transactions from 2020 to the present. Every transaction I will be uploading is directly connected to the widespread issues and consumer complaints currently under investigation in the CFPB ( Consumer Financial Protection Bureau ) lawsuit involving XXXX and participating financial institutions. 

For years, countless consumers myself included have experienced unauthorized withdrawals, fraudulent activity, and a complete lack of protection or accountability from XXXX and its partnered banks. Despite repeated warnings, these institutions continued to allow transactions to process under unsafe and deceptive conditions. 

My financial stability, personal security, and peace of mind have all been affected by these ongoing failures. I am demanding a full review and reimbursement of every transaction involved, as these fall squarely within the scope of the CFPBs findings of negligence, mishandling, and lack of consumer safeguards. 

I expect this claim to be handled with urgency and transparency, as this matter reflects a systemic issue that has impacted millions of customers nationwide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank XXXXXXXX XXXX card ending in XXXX. 
I filed a dispute against XXXX XXXX XXXX for XX/XX/year> for the amount of {$260.00}. 
XXXX only refunded {$36.00} for this one. 
US Bank closed my dispute with the reason that no documentation was provided. Even when I have uploaded all the documents. 

The entire operations of US Bank is very inefficient, inept and lousy. Nobody want to do anything. On top of that they XXXX XXXX XXXX XXXX  people rather than talented US Citizens to the do work - entire website sucks, I called their dispute today and they are going to send me and to upload the document as the link is not visible in my account. 

Dispute is for {$100.00}

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 2025-10-08 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: 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: TX

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details. 

List account names and numbers XXXX. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
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: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding CHIME handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous of 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 unfeasable.The. The CFPB finding indicate that Chime has bir only neglected to protect consumers but also allowed repeat offenders to explort the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My chime account was closed and I reached out to them even tried to get it reopened and they didnt even respond to why they closed it they took like {$350.00} back in 2019

Company response to consumer: Closed with explanation