vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I used Zelle through my XXXX account and Zelle to send {$110.00} to a friend. I entered my friends name correctly in the payment field but accidentally mistyped XXXX digit in the phone number. As a result, the payment was sent to a strangers number instead of my intended recipient. 

I only realized this error on XXXX XXXX, approximately XXXX month after the transaction occurred. When I checked with my friend, they confirmed they had never received the payment. I immediately filed a dispute with XXXX XXXX  and explained that the name I entered did not match the recipient of the funds. 

However, the bank responded that there was no error in the transaction and closed my case, without initiating any attempt to recover the funds or contact the recipients bank. I understand that Zelle payments are designed to be instant, but this situation reflects a good-faith mistakenot an authorized payment to an intended recipient.

I believe the bank and Zelles user interface contributed to the confusion. The payment screen allows users to enter a recipient name, which creates the reasonable impression that the system will confirm or match the name with the receiving account. In this case, the presence of that field led me to believe the name mattered in verifying the transaction, when in fact only the phone number determined where the money went. 

I have already taken the following steps : - Contacted my bank on XX/XX/XXXX to report the issue and request recovery. 
- Contacted Zelle on XX/XX/XXXX to report the issue and request recovery, who referred me back to my bank. 
- Contacted the mistaken recipient via text message, but received no response. 
- Requested a complaint to be filed through my banks digital payment or fraud department.

I am requesting that my bank : Initiate a Zelle Mistaken Payment Recovery Request to the recipients bank, even if the transaction occurred more than a few weeks ago ; and Review the misleading presentation of recipient information in the Zelle interface, which does not make clear that names are not verified. 

AXXXX XXXX XXXX XXXX, this {$110.00} loss has a significant personal impact. I acted in good faith and promptly reported the mistake once I realized it. I would appreciate any assistance in facilitating a voluntary return of the funds or a goodwill reimbursement from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent over a letter to the credit bureaus in reference to being a victim of identity theft and placed a fraud alert on my account. Ive been trying to remove these inaccurate items off of my credit for over 4months Legally according to the FCRA LAW they have up until 30days to provide valid proof of the accuracy of account which were not sent or provided. please delete these accounts off of my credit immediately

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 31548 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlas Collections Inc. (of New Castle)
State: IN

Complaint narrative:
When I called Atlas Collections on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked for an itemized list of my medical care and the reasoning as to why my medical debt was as costly as it was. The woman on the phone then sent me to another person that had access to my account that person was not available, and I was sent to voicemail. I did not receive an itemized list of care. I did not receive a reasoning as to why my debt was as much as it was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I have tried XXXX times to refinance my loan, but each time something else come up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: CA

Complaint narrative:
I reviewed my credit report and came across to fraudulent account which was not authorized by me please remove this account from my credit report as soon as possible. 
XXXX ACCOUNT. According to 15USC1681A, 15USC1681B, 15USC1666B AND 15USC1692G, I have never given any consent to report this account. I would like to be provided proof as per FCRA Sec 605, 609, and 623

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I deposited a check using Bank of America 's mobile check deposit from a legitimate company, XXXX XXXX. Bank of America incorrectly flagged my account for suspected fraud and closed it on XX/XX/XXXX. XXXX  reported this closure as " suspected fraud activity, '' preventing me from opening new bank accounts for years. In XXXX, Bank of America issued a check and formal apology acknowledging the error. Despite this, XXXX  still lists the inaccurate closure. I request CFPB assistance to ensure XXXX  removes the incorrect record and to investigate Bank of America 's actions. I am also requesting compensation of {$150000.00} for financial and personal hardship caused As well I was reported to XXXX XXXX XXXX and also all the consumer report agencies I need to be removed They already said they removed me from XXXX I need to be removed from all

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 2025-10-21 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:
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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal dispute of the accuracy of the following accounts appearing on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), please reinvestigate each item and correct or delete any data you can not verify as accurate : XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Reported as XXXX. Balances and activity dates are inconsistent. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Shows XXXX with {$1300.00} balance. Inconsistent with payment data and previous disputes. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Listed as collection/charge-off. I dispute ownership and date of first delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX profit and loss misrepresents the actual payment completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota Motor Credit is reporting inaccurate and conflicting information regarding a repossessed vehicle account on my credit reports with XXXX XXXX XXXX XXXX 

The reported account shows multiple inconsistencies, including : Different Date Opened values ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Mismatched monthly payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Different Last Reported and Date Last Active dates ( ranging from XX/XX/XXXX to XX/XX/XXXX ) A remaining balance of {$22000.00} and a past due amount of {$10000.00} that have not been verified I contacted Toyota Motor Credit requesting proof of the vehicles sale, an accounting breakdown, and legal documentation supporting the reported balance after repossession. The company never provided verification or proof of accuracy.

This incomplete and inconsistent reporting violates FCRA Sections 602 ( A ), 607 ( B ), 623 ( A ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ), which require information to be accurate, verifiable, and consistent across all credit bureaus.

Because Toyota Motor Credit failed to provide validation, I am requesting that the CFPB require all three credit bureaus to delete this account entirely from my credit reports. The current reporting is causing ongoing financial harm and is not in compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS is attempting to collect an alleged {$500.00} debt for XXXX XXXX XXXX and continues reporting it to XXXX XXXX XXXX XXXX  without proper validation.Also, I never received the legally required dunning notice within 5 days of first reporting, in violation of FDCPA XXXX ( a ). I have received multiple daily phone calls from your number ( XXXX ) XXXX, which constitutes collection activity without validation under FDCPA 809 ( b ) and harassment under 806 ( 5 ). 

I mailed a certified Debt Validation Request on XX/XX/year> ( XXXX # XXXX ), requesting the original signed policy, itemized statement, proof of assignment, and license to collect in NJ. 

To date, CCS has not provided any of the requested documentation and continues to report the debt to XXXX XXXX XXXX XXXX  which constitutes continued collection activity during pending validation, a violation of FDCPA 809 ( b ). Furnishing incomplete or unverified data to the credit bureaus also violates FCRA 623 ( a ) ( 1 ) ( A ). I am requesting immediate regulatory review and corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My name is XXXX XXXX and this has been a quite frustrating experience since opening an account with PNC. The bank XXXX, XXXX, put in the wrong information in XXXX different areas for me. My birth year was incorrect, the business email address was incorrect and the branch XXXX neglected to add my cell phone number as the number to receive verification codes ( instead of my business landline number that doesnt receive texts ) so I was not able to access my account or get any information due to the inaccurate information that the branch XXXX put in the system. Id called the branch multiple times and was told the XXXX would call me back which didnt happen for almost XXXX weeks which is unacceptable and unprofessional at best! A few days after opening the account Id attempted to purchase XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX and when it was time to provide the payment verification code, I had noticed that the system wanted to send the verification code to my business landline number which does not receive text messages and the total amount was incorrect at {$510.00} ( for XXXX rooms ), so Id pressed cancel to cancel the order. However, the system pushed the transaction through anyway and provided me with a confirmation number. Id immediately called the XXXX XXXX customer service number to request a refund and explain the situation to them but the representative told me that I will be charged over {$200.00} if I cancel a room. I disagreed with being charged because the system should have never pushed that transaction through after I selected cancel so Id told the representative that I will reach out to my bank to dispute the unauthorized charge as I did not agree with being penalized for a transaction Id never approved to be submitted. 

Id received an email from PNC to do a survey so Id submitted XXXX and after giving an honest rating, the money I had in my account was put on hold. I feel that PNC is retaliating against me for speaking out and its not right or fair. I am requesting for my dispute to be granted and that I receive a full refund as soon as possible so I can close my account and move on. 

XXXX XXXX PNC Reference : XXXX XXXX Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear XXXX/CBNA : When I reviewed my credit report recently, I was surprised to see late payments reported on my account XXXX/CBNA ending in XXXX XXXX late on XXXX and XX/XX/year>. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-10-21 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: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

They are reporting a collection account on my credit report that I have disputed and requested validation for under 15 U.S.C. 1692g ( b ). Despite this, they continue to report the debt without providing any proof that it is valid or that they have the legal right to collect it.

This conduct violates FDCPA 807 & 809 ( b ) for deceptive and unverified collection activity and FCRA 623 ( b ) for failing to investigate and correct inaccurate reporting. Courts have confirmed that collectors must provide meaningful validation ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ) and can not continue reporting unverified debts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

They are reporting a collection account on my credit report that I have disputed and requested validation for under 15 U.S.C. 1692g ( b ). Despite this, they continue to report the debt without providing any proof that it is valid or that they have the legal right to collect it.

This conduct violates FDCPA 807 & 809 ( b ) for deceptive and unverified collection activity and FCRA 623 ( b ) for failing to investigate and correct inaccurate reporting. Courts have confirmed that collectors must provide meaningful validation ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) ) and can not continue reporting unverified debts ( XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I sent a email to express asking for documentation total wiring date opened contracts. I got no response but calls saying I will be served and money will be withheld from checks and credit report will be damaged if not paid

Company response to consumer: Closed with explanation