vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling and disputes. Particularly in the light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me that tracking these transactions was infeasible.The CFPB findings indicate that zelle has not only neglected to protect customers but also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about customer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are many online complaints about Capital One 's security verification process being extremely & unreasonably long or never ending. I applied for a capital one credit card. I was approved. I received the card. I had a new cell phone number and I wanted to add it to my new capital one credit card when signing up to use capitol one online. Capital One used 1 of my old cell phone numbers that I never gave them to verify my new credit card account. I no longer have access to that number. They had me submit copies of the front, & back of my driver 's license to verify my identity. I have been submitting license copies over & over. The license pics were taken by a professional photographer & are clear pics. I have been waiting weeks for the account to be verified. Meanwhile I kept using my account until Thursday XX/XX/XXXX the when capital one restricted my account & I amno longer able to use it. They said they needed me to submit the license pics again.i resubmitted new license pics taken by a professional photographer with an expensive camera. I have been. Going in circles for weeks with capital one submitting my license pic. I don't want my account to be closed when I have submitted the pics.they know it is me using the account because I have received my statements at my address. They will also have a selfie of me with the capital one statements they have sent me. Please look at the numerous online complaints about capital one 's delatory identity verification process. There are terrible issues that are not the fault of us consumers. I have had to submit my license online before to other places, and I never had any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy, and confidentiality under 15 usc1681. 

XXXX XXXX XXXX  Opened XXXX Account # XXXX Amount {$520.00} I looked at my Experian credit report and I noticed something was incomplete and not accurate. According to the FCRA 15 USC 1681 E ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy.

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 2025-10-13 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: MO

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My CD connected to a secured credit card was closed on XX/XX/year>. It disappeared off my online dashboard so I called and USAA said they sent a check out on XXXX XXXX. I waited until XX/XX/XXXX and no check arrived so I canceled that check and they said they would send another. I have been receiving other mail to my address from USAA just fine but no check. It's now XXXX XXXX and still no check and no answers and they can't just put the money into my account digitally even though I have a USAA account. I deploy to XXXX soon and I need my money.

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 2025-10-13 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: FL

Complaint narrative:
Unauthorized Reporting of Accounts in Violation

of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX I have contacted TRANSUNION several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response.

This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities.

I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and delete any information reported without suchauthorization.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Company : Chime/ The XXXX XXXX Product : Checking account ( debit card transactions ) Issue : Unauthorized transactions improper dispute investigation Complaint Description : I am filing a complaint against Chime regarding multiple denied debit card dispute claims and their failure to properly investigate unauthorized transactions on my account. 

On XX/XX/year>, three unauthorized debit card transactions appeared on my Chime account : XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$6.00} XXXX XXXX XXXX {$6.00} I contacted Chime on XX/XX/year>, to file a dispute ( Dispute # XXXX ). During that call, I informed the representative that my physical debit card had been missing and that I primarily use my Chime account via XXXX XXXX. I also explained that I did not recognize the above charges. 

Chime denied my dispute on XX/XX/year>. I requested documentation of what was used to determine the final outcome. On XX/XX/year>, Chime provided only my checking account statement and a copy of the initial dispute intake form that the representative completed not any evidence of merchant contact or a true investigation. According to what they provided, Chime did not contact any of the merchants involved, which indicates that Chime failed to conduct a thorough and accurate investigation as required under Regulation E of the Electronic Fund Transfers Act ( EFTA ).

This is not the first time this has occurred. On XX/XX/year>, I filed another dispute ( Dispute # XXXX ) for two unauthorized debit card transactions at XXXX for {$99.00} and {$5.00}. That dispute was denied on XX/XX/year>. I requested a copy of the documentation used for that case but never received it, even after a follow-up request on XX/XX/year>. 

Chimes repeated failure to thoroughly investigate unauthorized transactions is unethical and reflects poor business practices. This causes customers to lose trust in the company and creates financial harm to account holders. 

I also filed a police report related to the most recent unauthorized transactions ( Report # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-13 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: PA

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 non-monetary relief
Consumer complaint received 2025-10-13 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 disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : XXXX - XXXX, XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained.

According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure EXPERIAN complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My Chime debit card was used without my authorization on XX/XX/year>, for a {$240.00} transaction labeled XXXX XXXX. I never approved or initiated this payment, and I reported it immediately. 

Chime denied my fraud dispute ( # XXXX ), claiming no billing error occurred, even though this was clearly an unauthorized electronic fund transfer. My account was compromised at the same time as multiple fraudulent XXXX XXXX  transactions. 

Im requesting that Chime reopen my dispute and issue provisional credit as required under Regulation E. Their denial has left me with only {$0.00} in my account, creating a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
I have found collection accounts on my credit report that I believe include inaccurate details. Under XXXX5 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they must 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 2025-10-13 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
After the federal student loan payment pause ended, I was unaware that my payments had resumed. As a result, my XXXX loans became delinquent earlier this year. Once I learned of this, I immediately contacted XXXX to resolve the issue. 

On XX/XX/year>, XXXX issued a written confirmation that my account had been brought current and that I was approved for an Income-Based Repayment ( XXXX ) plan with a $ XXXX  monthly payment effective XX/XX/year>. Despite this, the late payments continue to appear on my credit reports. 

I filed disputes with TransUnion, XXXXXXXX XXXX XXXX but all were denied because XXXX verified the delinquencies. I then sent XXXX goodwill requests to XXXX for review - first to XXXX and later to XXXX - but both emails were returned as undeliverable. I was unable to reach anyone beyond standard customer service. 

My account is now current and in good standing under the XXXX plan. I am requesting CFPBs assistance to help facilitate removal or adjustment of these late marks, as they no longer reflect my accounts true status or good-faith effort to resolve this situation. 

My credit dropped XXXX points ( due to XXXX plus loans all receiving a late payment at the same time ) just days away from me extending my home equity loan and it was denied because of this. Please fix this mistake that happened only due to me being completely unaware of the loan payment pause ending deadline. 

In other words, if I had done what I did on XX/XX/XXXX, just a couple of weeks earlier, this whole situation could have been avoided. Please don't let that one time mistake, define my whole financial status for the next few years! The credit score drop is affecting me in all facets of my life and I hope that we can fix this.

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 2025-10-13 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: IL

Complaint narrative:
After the federal student loan payment pause ended, I was unaware that my payments had resumed. As a result, my XXXX loans became delinquent earlier this year. Once I learned of this, I immediately contacted XXXX to resolve the issue. 

On XX/XX/year>, XXXX issued a written confirmation that my account had been brought current and that I was approved for an Income-Based Repayment ( XXXX ) plan with a $ XXXX monthly payment effective XX/XX/year>. Despite this, the late payments continue to appear on my credit reports. 

I filed disputes with XXXX, Experian, and XXXX but all were denied because XXXX verified the delinquencies. I then sent XXXX goodwill requests to XXXX for review - first to XXXX and later to XXXX - but both emails were returned as undeliverable. I was unable to reach anyone beyond standard customer service. 

My account is now current and in good standing under the XXXX plan. I am requesting CFPBs assistance to help facilitate removal or adjustment of these late marks, as they no longer reflect my accounts true status or good-faith effort to resolve this situation. 

My credit dropped XXXX points ( due to XXXX plus loans all receiving a late payment at the same time ) just days away from me extending my home equity loan and it was denied because of this. Please fix this mistake that happened only due to me being completely unaware of the loan payment pause ending deadline. 

In other words, if I had done what I did on XX/XX/XXXX, just a couple of weeks earlier, this whole situation could have been avoided. Please don't let that one time mistake, define my whole financial status for the next few years! The credit score drop is affecting me in all facets of my life and I hope that we can fix this.

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 2025-10-13 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: IL

Complaint narrative:
After the federal student loan payment pause ended, I was unaware that my payments had resumed. As a result, my XXXX loans became delinquent earlier this year. Once I learned of this, I immediately contacted XXXX to resolve the issue. 

On XX/XX/year>, XXXX issued a written confirmation that my account had been brought current and that I was approved for an Income-Based Repayment ( XXXX ) plan with a $ XXXX monthly payment effective XX/XX/year>. Despite this, the late payments continue to appear on my credit reports. 

I filed disputes with XXXX XXXX and Equifax, but all were denied because XXXX verified the delinquencies. I then sent XXXX goodwill requests to XXXX for review - first to XXXX and later to XXXX - but both emails were returned as undeliverable. I was unable to reach anyone beyond standard customer service. 

My account is now current and in good standing under the XXXX plan. I am requesting CFPBs assistance to help facilitate removal or adjustment of these late marks, as they no longer reflect my accounts true status or good-faith effort to resolve this situation. 

My credit dropped XXXX points ( due to XXXX plus loans all receiving a late payment at the same time ) just days away from me extending my home equity loan and it was denied because of this. Please fix this mistake that happened only due to me being completely unaware of the loan payment pause ending deadline. 

In other words, if I had done what I did on XX/XX/XXXX, just a couple of weeks earlier, this whole situation could have been avoided. Please don't let that one time mistake, define my whole financial status for the next few years! The credit score drop is affecting me in all facets of my life and I hope that we can fix this.

Company response to consumer: Closed with non-monetary relief