vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Debt collection company XXXX has attempted to collect a debt, they brought from Penfed bank. They have sent text messages about the balance of my debt and that I need to resolve the matter immediately. I made a payment arrangement with them. One of my scheduled payments came back so I called to make arrangements. The representative stated that I could pay {$120.00} and that the remaining would be due on the next scheduled draft date. So without my confirmation or authorization they made a scheduled payment for a future date. Then I called and the manager says the representative shouldve never took a partial payment. And that if I didnt pay the remaining {$160.00} that my payment plan would be voided. I then told her I would call by the end of the day to make remaining payment. She then states that their policy doesnt work that way and that she would then cancel my payment arrangement all together and hung up.

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: 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
First time hearing about this whatsoever. 

Judgement date XX/XX/year> Account # ending in XXXX Creditor : XXXX ( Have never had a XXXX account nor card ever attached to my name ) I have never been affiliated with anything regarding of XXXX Balance owed : {$7700.00} I desperately need to have an investigation opened on this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a formal complaint against TD Bank for denying a fraud claim involving unauthorized debit card charges totaling over {$510.00}. The charges occurred on [ insert date ( s ) ], while I was away on work-related travel.

I notified the bank of the fraud within the XXXX window required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Despite my timely report and the fact that I did not authorize the transactions, the bank denied my claim without providing a clear explanation or any evidence that I authorized the charges.

I was unable to replace the card immediately because I was out of town for work and had no access to a secure mailing address. I explained this to the bank, but they still refused the refund.

This is a violation of EFTA protections. I request that the CFPB investigate the matter, ensure that the bank reopens my fraud claim, and that I am fully reimbursed for the unauthorized charges.

Company response to consumer: Closed with monetary relief
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: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to express my concerns regarding chime handling of disputes Chime has failed to claim adequately and from recovering lost funds was impossible to track it

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: GA

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 2025-10-06 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: IL

Complaint narrative:
XX/XX/year>, {$1500.00} was received & money was requested back by the sender. I called the company to let them know who was behind the 3rd party fraud and instead of taking my cooperation, they suspended my account. I had no knowledge that someone was trying to pin me in something fraudulent and I wanted NO parts of the situation!

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: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claimes adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that chime 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AL

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 4 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 2025-10-06 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: SC

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of disputes, particularly in the light of the recent CFPB highlighting significant issues with the platform. Reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that lost funds was impossible and that tracking these transactions was infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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: 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$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 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OR

Complaint narrative:
On Tuesday XXXX I recieved a email at XXXX or XXXX am XXXX  that my savings and credit builder account has been closed, I did not request that. Then at XXXX I recieved a call from XXXX, that is the Chime customer service number on the back of my card, a man had identified himself as a chime representative and said due to suspicious activity my account was locked. I had just received my XXXX benefits that morning for XXXX. Prior to this call I had over XXXX denied transactions on my account because I froze all my cards because someone kept trying to gain access to my account, so when the guy from chime called I figured it had to do with that. I was told I could not withdraw any money since my account was locked and I had two options, close my account down and a check would be sent to my address, or he would help me make a new account and transfer the money into that account and I would have access to a virtual card so I could pull money out. I said I would have to go with that option because my rent was due on the XXXX of XXXX. He proceeded to tell me he was helping me access my new account and had me go to my pay and gave me my new account information to send the money to and said once I sent it he would close my old account and send me my access link to my email to log into my new account, so I sent the full amount of XXXX to the number he gave me, once it was sent he hung up on me, so I called right back to the Chime number on the back of my card ( the same number that called me ) and I was transferred to XXXX different people before I got help on filing a dispute. I filed a dispute and it got denied, I asked to be sent a reason why and they said it will take up to 10 business days, so I asked for a appeal, that got denied, so I called to find out what was going on, and when I called on XXXX at XXXX am the agent I spoke to said they have had several calls claiming what I was claiming and they have contacted law enforcement to move forward, so I asked to speak to a manager, upon speaking to a manager I let her know I was recording her our call and I asked her if she had a breech in their system and asked if legally Chime customers were supposed to be notified, she would directly answer me, than proceeded to say their system was very secure, so I asked her if it was a employee who was staking money from customers and she said yeah,. ( I cant remember the rest of the sentence ), but I have it in recording. She then told me to appeal it again, so I did and it was denied again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains inaccurate information for the XXXX XXXX XXXX XXXX XXXX account ( acct ending XXXX ). Equifax reports it as Charge-off/Derogatory with a {$2600.00} past-due balance but no closure date and no payment history. Experian shows the same account as closed with no payment record but marks it Customer disputed account. These inconsistencies violate FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require data furnishers to report accurate and complete information. 

I am requesting that Equifax and Experian verify this account with the furnisher. If they can not produce verified payment records or a correct closure date, this tradeline should be corrected to reflect Closed {$0.00} balance no late payments, or deleted entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I submitted a Qualified Written Request under RESPA on XX/XX/XXXX about repeated servicing errors with my Lakeview/Mr. Cooper mortgage ( # XXXX ). They have not acknowledged it and continue to send delinquency notices and pull unauthorized payments. Their system keeps reversing payments and misapplying funds even though Ive paid and completed a trial plan earlier in XXXX. 

I later discovered they added a {$54000.00} Subordinate Note from HUD ( dated XX/XX/XXXX ) into my active loan balance, causing wrong escrow figures and false past-due notices. Im requesting a full payment audit, correction of my balance, removal of late fees, and written confirmation that my account is not in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I dispute the accuracy of the XXXX XXXX XXXX tradeline reporting under Account # XXXX. You are inaccurately reporting this debt as an Installment/CollectionInstallment account when in fact it is a third-party collection, misrepresenting its nature and status. Further, your file fails to display a Date of First Delinquency ( DOFD ), omits a Payment History Profile, and fails to code the tradeline with Consumer Information Indicator ( CII E ) during dispute.

Violations : FCRA 607 ( b ) : Maximum possible
accuracy requirement.

FCRA 623 ( a ) ( 5 ) : Mandatory DOFD reporting on collections.

FCRA 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) : Duty to reinvestigate and delete unverifiable information.

Reg V, 12 C.F.R. 1022.42.43 : Accuracy and integrity obligations.

FDCPA 807 ( 2 ), 807 ( 8 ) : Misrepresentation and failure to communicate dispute. 
XXXX XXXX Violations : Portfolio Type, Account Type, Account Status, XXXX XXXX, Payment History Profile, 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 non-monetary relief
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
Dear Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I RECIEVED A TEXT FROM WHOM I THOUGHT WAS MY BANK ( PNC ) AND WAS SCAMMED - THOUGHT MY BANK WAS HELPING ME AND WITH IN LESS THAN 12 HRS CONTACTED MY BANK TO ADVISE WHAT HAD HAPPEND, THEY SUPOSSITLY DID AN INVESTIGATION STATING I WAS THE ONE WHO AUTHOZIED THE XXXX TRANSACTION AND NOT HELPING ME IN ANY WAY POSSIBLE - THE 1ST REP THAT TOOK MY INFO - AFTER TALKING FOR ALMOST AN HOUR ONLY NOTED THE FILE WITH THE WORDS " THAT IS ALL '' WHEN I CALLED TO GET THE OUTCOME SO A SECOND WAS DONE WITH FULL DETAIL TO SAY WITH OUT A INVESTIGATION THAT I DID THIS WHEN I DIDNT - MY PAST BANK STATEMENTS CAN ATTEST THAT I WOULD NOT HAVE DONE THIS AND EVEN IF I HAD THE LAST NAME WOULD BE THE SAME AS MINE AND THE ONLY XXXX I DO IS TO MY LAWN PERSON ONLY, OR WOULD HAVE THE SAME LAST NAME AS I - I FEEL THAT THE INVESTIGATION WAS NOT THOROUGHLY DONE AND I HAVE BEEN WITH THIS BANK SINCE IT WAS ORIGINALLY XXXX  XXXX  BANK THAT IS HOW LONG I HAVE HAD AN ACCOUNT AND TILL NOW NEVER HAD ANY PROBLEMS- I DID NOT AUTHORIZE ALL MY MONEY TO BE TAKEN FROM MY ACCOUNT!!!! I REPEAT AND A PHONE CALL CAN BE MADE IF NEED BE AS WELL TO DISCUSS THIS! FOR I DID NOT AUTHORIZE THIS PERIOD - WHY WOULD I CALL MY BANK IN LESS THAN 12HRS TO REPORT THIS AND TO BE TREATED AS I HAVE. THIS IS LIKE THE MOVIE " XXXX  '' THINKING ITS YOUR BANK IN THIS CASE AND IT WAS NOT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
Did receive my refunds for missing money .. out my account when card was stolen and got charged for a person using my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation