vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am facing an unresolved issue with an international wire transfer sent from XXXX XXXX  ( XXXX ) to my American Express National Bank account in the U.S. The transfer was initiated on XX/XX/year>, with reference number XXXX, routed via XXXX XXXX  XXXX XXXX ) XXXX 

XXXX XXXX  confirmed that the funds were sent, but later discovered they were transferred to the wrong entity American Express XXXX XXXX XXXX XXXX ( XXXX ) which does not process international wires for account holders. XXXX XXXX  initiated a recall of funds on XX/XX/year>, and sent reminders on XX/XX/XXXX and XX/XX/XXXX. 

American Express has acknowledged a ticket but has provided no resolution or timeline. The funds have been missing for over 60 days. I request CFPBs assistance in ensuring American Express investigates this matter, locates the funds, and provides a clear resolution.

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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ]

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally my concerns regarding Zelles 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS 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 raising serious concerns about consumers 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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX2025 I went in the Chase bank on XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX to buy a cashiers check for my rent. I have been purchasing cashiers checks for my rent rent for the past XX/XX/XXXXyears my rent recently went up to {$3500.00}. 
I had brought in cash because I dont leave a large amount of cash in this checking account on a regular basis, I have cash at home for emergencies. They would not allow me to purchase the cashiers check, then ask me for ID even though Ive been using my ATM card That Ive had for the past XXXX years, the XXXX came by the name of XXXX, and told me that for money laundering purposes that they wouldnt be able to issue me the check, I said I always pay my rent by cashiers check and that youve known me for XXXX years and he says well you just deposited Cash After having a heated conversation. XXXX allowed me to buy my rent cashiers check later on XX/XX/year>2025 when I came to the bank, the Chase on XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX, I had XXXX checks to deposit into the checking account that I share with my mother who is elderly and XXXX, these XXXX checks were for the amounts of XXXX and {$300.00} and they were from XX/XX/XXXX which is my mothers conservator and fiduciary. I was not allowed to deposit these checks from the ATM, then I entered the bank to inquire about the balance And to make a withdrawal and then I was going to find out why the checks were not taken through the ATM, I was not allowed to make a withdrawal of the {$3200.00} that was left in my account, apparently my account was frozen because I bought a cashiers check on Saturday, XX/XX/year>2025. 
When I asked for the regional managers phone number to discuss this issue with her as I have to pay rent every month, and I like to pay by cashiers check, the bank would refuse to give me the regional managers phone number, they pretended that they could not find it and made me wait an exponentially long period of time before I departed. 
{$3500.00} is not that much money in the neighbourhood that I live in because rents are so expensive. Im sure that true money launders are depositing and taking out larger sums than that on a regular basis, I can not go through the stress of not being able to access my money For daily living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
Happy Wednesday I received a letter from XXXX XXXX which stated they were representing XXXX for an outstanding debt. ( Note : I filed a complaint against XXXX as this will be the second time another collection agency, the first was TruAccord, contacted me attempting to collect on this exact same debt from MilestoneThe chain of contact in order starts with XXXX, XXXX, and now XXXX )... I contacted XXXX XXXX by email, spoke with XXXX XXXX XXXX, our entire email conversation history is included as an attachment with this complaint, XXXX was without question or debt paid the amount for this collection to resolve, close, and remove the XXXX collections from my credit reports, however after making the payment by debit, ( Bank of Hawaii receipt and screenshot of the XXXX website after I made the payment showing the debt is paid in full ), XXXX XXXX XXXX will not reply to my emails requesting him to do Exactly as he Promised and resolve, close, and remove the XXXX collections from my credit reports XXXX XXXX XXXX has magically and conveniently disappeared after taking my payment Unethical, Immoral, and XXXX as well as Milestone need to take accountability for whom they sell a consumers debt to as it does not eliminate responsibility/accountability on their behalf selling consumer debt to known Collections Company such as XXXX XXXX and XXXX who commit fraud. Do the right thing XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, and remove your collections from my credit reports as XXXX XXXX XXXX clearly promised in his written correspondence with me. 

Thank You

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: CT

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 Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: EQUIFAX, INC.
State: PA

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 : 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 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

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: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$20000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to any of them. This is entirely unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled, as these inquiries still remain. This continued inaction is unacceptable. The presence of these potentially fraudulent entries is highly concerning and raises serious suspicions of identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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:
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 : 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 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 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  Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, two fraudulent charges were made to my Target XXXX, each in the amount of {$610.00} to XXXX. I have repeatedly reported this to Target card services, both in writing and on the phone. Each time I call I get a different answer. I was first told that it was a refund of a credit that I should not have received. I asked for the date that the incorrect credit was issued, but she could not tell me. No such credit appears on my bills on online. I was told twice that the fraudulent charges would be reversed, but that it takes 7-10 days, so just wait. Lastly I was told that there was a fraud investigation and it will take 90 days. My bill is due in a few days so I will have to pay Target XXXX {$1200.00} for purchases that I didn't make in order to maintain my credit score.

This card number that was used for these two fraudulent charges was canceled on XX/XX/XXXX, because of a series of fraudulent charges that started on XX/XX/XXXX. I would like the two fraudulent charges removed and my Target XXXX account closed. Unfortunately I can not get any one at Targetcard Services to help me.

Company response to consumer: Closed with 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: TX

Complaint narrative:
I am filing this third-round complaint because my credit report with TRANSUNION continues to contain unauthorized hard inquiries and inaccurate personal information, including name variations and invalid addresses, that I did not authorize, provide, or recognize. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security, and proof of current address to support my claim.

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditors responsible for the inquiries listed below confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. These inquiries were not authorized by me. 

Unauthorized Inquiries : XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> Additionally, I have identified inaccurate personal information, including multiple unauthorized name variations and outdated addresses, listed on my credit report that do not belong to me. 

My only legal name is XXXX XXXX XXXX as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington had a promotion in XXXX XXXX, open a new asterik checking account deposit XXXX within 90 days and receive {$250.00}. I signed up using the banks website. I deposited over {$500.00} within 60 days. I never received the promotion, I called them in XXXX XXXX  to see why I hadn't received it and was told that I did not open my account using the promo code therefore the offer was not attached to my account and there was nothing they could do for me, I never received the {$250.00}. It was the first of XXXX XXXX there was a promotion on Huntingtons website that read " open a new perks checking account, deposit {$500.00} within 90 days and receive {$400.00} '' I read the entire ad made sure that I would be able to meet the qualifications proceeded to log into my exisitng online account and opened a new perks checking account. Once I met all the qualifications I received nothing. This time I was told that the promotion is attached to my account and I did meet all of the qualifications, but the promo was for new customers only. Seeing as I just opened an account not even 6 months ago I was ineligible to receive the {$400.00}. I feel like that because the promo was attached with to my new account leading me to believe I would receive the {$400.00} and then find out I was never eligible in the first place, It shouldn't had told me I was ineligible upon signing up for the account. I was mislead into believing that I would receive {$400.00} and never got it. Not to mention the first time when I didnt receive the {$250.00}.

Company response to consumer: Closed with explanation