vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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: PNC Bank N.A.
State: NY

Complaint narrative:
I was debanked by PNC on my business credit card for my company XXXX XXXX XXXX without cause. I was actively paying my bill on time every month, using the card for charges for my business and then from out of nowhere I was debanked while I was on a business trip in XXXX XXXX. I called them when my card stopped working and they said they pulled my personal credit report to determine if I was needing to be debanked. This is a fraudulent reason to debank someone. My bill was paid on time, the card was being actively used and my personal credit score was above XXXX and should have no forebearance on my business card activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
In light of the recent CFPB lawsuit highlighting significant issues with the platform chime. Ive reported multiple transaction due to my card being lost. And they havent been able to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So basically it is a unauthorized transaction on my phone XXXX from money gram XXXX from XXXX XXXX XXXX when my phone is lost the transaction date is XXXX It was unauthorized since I would not spend so much money and XXXX anyone XXXX my mom this much and this is very unfair as a college student

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 monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing multiple XXXXXXXX XXXX XXXXXXXX and XXXX tradelines showing conflicting balances, statuses ( Indeterminate, Pays as agreed, and Transferred ), and $ 0 monthly payments while reported open. This is inaccurate and incomplete under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ) and violates XXXX XXXX Fields 11, 17, 29, 71 & 77.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have sent money and they didn't receive it asked for reimbursement and never got it

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: FL

Complaint narrative:
I went to a standalone ER on XX/XX/XXXX, received and paid my bill in full in XX/XX/XXXX. Sometime after, I began receiving debt collection notices from XXXX. I called the provider and confirmed they have no balance due for me nor do they have a record of an outstanding balance with the debt collector for myself. They assured me it was taken care of but I continue to receive mail that I owe an additional balance for that ER visit from the debt collector -- despite the hospital and professional billing department indicating I have been paid in full. I called again today to the provider after receiving another notice this XXXX from the debt collector and they once again confirmed I have no balance and they have no balance for me with this debt collector. No one can provide me with any details on why the debt collector is harassing me -- even the debt collector doesn't seem to know.

Company response to consumer: Closed with non-monetary relief
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: FL

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
I am submitting this complaint because the XXXX XXXX Bank account is being inaccurately reported by Experian and Equifax. TransUnion has already removed one of the duplicate accounts, which confirms that the extra listing is an error.

Both Experian and Equifax are showing two separate XXXX accounts with the same creditor name, similar open/close dates, and identical payment history. This is a duplicate entry that unfairly impacts my credit score.

I have already disputed this information, and both bureaus marked it as verified without providing any proof or documentation of verification, violating FCRA 611 ( a ) ( 7 ) and 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting a major discrepancy, my financial institution and Zelle failed to investigate my claim adequately. I lost {$1500.00} of my hard earned money to a scam I filed a report with the FBI internet Crime complaint center and I also informed my financial institution about the incident. They in formed me that recovering my lost funds was impossible and tracking the transaction was infeasible. CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams/frauds. This lack of accountability is unacceptable and raises serious concerns about consumers safety

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 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: AL

Complaint narrative:
Collection/CO mis-coded with Past Due > {$0.00} and installment terms.

Cites : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; Reg V 1022.42 ; Cushman. 
XXXX XXXX : Past Due=0 ; Sched Pmt=0 ; correct Account Type/Status ; DOFD ; CCC=XB.

I dispute all late months ; demand ledgers ; codes proof ; delete if not independently verified.

Enclosures : ID ; address ; highlighted EQ pages. 
Letter XXXX XXXX XXXX  XXXX Re : Dispute XXXX XXXX  XXXX, Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Past-Due ; re-aged PHP ; {$55.00} High Credit vs {$490.00} balance. 
Cites/XXXX  XXXX XXXX as in XXXX  Letter XXXX. 
I dispute all late months ; demand ledgers ; delete if unverifiable. 
Enclosures : As above. 
Letter XXXX XXXX XXXX Re : Dispute XXXX XXXX, Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance > High Credit inconsistency ; late coding requires ledger proof.

Cites : FCRA 607 ( b ), 611 ; Reg V. 
XXXX XXXX : Fix XXXX XXXX XXXX XXXX. 
I dispute all late months ; demand ledgers ; delete if unverifiable. 
Enclosures : As above. 
XXXX XXXX XXXXXXXX XXXX XXXX ( duplicate/contradictory ) Re : Dispute DOE/Aidvantage loan set XXXX XXXX XXXX XXXX ) Duplicate/fragmented entries with conflicting statuses.

Cites : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) ; Reg V ; Cushman. 
XXXX XXXX : Harmonize Status/Rating/Comments/CII, ensure XXXX, suppress duplicates.

I dispute all late months ; demand ledgers ; delete if not independently verified.

Enclosures : As above.

Letter 5 Public Records ( duplicate BKs ) Re : Dispute Duplicate Bankruptcy Entries ( Ref. XXXX ; Ref. XXXX ) Delete duplicates unless independently verified via docket.

Cites : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; Cushman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors.

I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Negligent Enablement Of Identity Fraud 2. ) Violation Of The Fair Credit Reporting Act 3. ) Defamation You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
Thank you for your cooperation in this matter

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Credit card is from XXXX  years ago, I made a couple of purchases and paid the payments on time. Not a problem. But then the card issuer tells me that the card has been compromised and that they were looking into fraudulent/suspicious charges. In that time frame I was still making said payments but XXXX months later I had not heard anything else from the issuer and they closed the account. They closed the account and charged it off as identity theft. I received a couple of phone calls from a debt collector recently and I didnt know what they were talking about. Its been years and the original issuer charged it off and closed the account and everything has been fine. The debt collection agency is called Kohn law firm out of Wisconsin and they have many many complaints against them about their demeanor and awful tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS
State: OH

Complaint narrative:
Statement of the Case This complaint is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against LexisNexis Risk Solutions. Your agency continues to report factually false, contradictory, and materially misleading information regarding my accounts. Despite proof of {$0.00} balances and closure, your files contain contradictory closure dates, fabricated late payments, inflated balances, and misleading derogatory remarks. 
Additionally, no Original Purchase Agreement ( OPA ) has been produced for any alleged debt you continue to report. Without a signed OPA showing the lawful chain of ownership, your reporting is unverifiable and unlawful.

Examples of Inaccuracy XXXX / XXXX XXXX Conflicting closure dates, false late history, derogatory reporting despite {$0.00} balance. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX statuses : Paid by XXXX, but derogatory/charge-off listed elsewhere. 
Note : No Original Purchase Agreement has been provided. 
XXXX  XXXX False late payments and inconsistent balances despite payoff.

Note : No Original Purchase Agreement has been provided. 
XXXX Reported both Paid/Closed and XXXX XXXX simultaneously. 
Note : No Original Purchase Agreement has been provided. 
XXXX XXXX False late marks, inflated utilization ( XXXX ), contradictory charge-off vs. paid. 
Note : No Original Purchase Agreement has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MD

Complaint narrative:
When my wife and I joint beyond finance. They advertised to us : 1 ) that after a year in their program we would get a loan to consolidate our debts. To this date none has being given. They just say we don't qualify. No written only verbal. There is no clear written or verbal instructions how to get this loan.

2 ) beyond finance stated that we would get protection from debtors collectors and that legal representation would be provided. Last XXXX my wife was sued and we settled. Now {$400.00} was added to our monthly payment.

3 ) beyond finance stated that my credit would be improved in XXXX  months to this date it's still in the XXXX worse than I started My bill when I start was XXXX now it is over {$1000.00} this month

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: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have not used my Apple Card for approximately XXXX years. 

Despite the account being inactive, Goldman Sachs Bank USA ( Apple Card ) reported new or inaccurate information to the credit bureaus that caused my XXXX  credit score to drop by XXXX points on XX/XX/2025 ( see attached screenshots ). 

I mailed a written dispute on XX/XX/2025 ( received XX/XX/2025 per XXXX tracking # XXXX ), but Goldman Sachs failed to investigate or correct the reporting within 30 days, as required under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act. 

Between XX/XX/XXXX and XX/XX/2025, the Consumer disputes after resolution remark was quietly removed from my account without explanation. This indicates my dispute was closed without proper notice or correction.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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