vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: CA

Complaint narrative:
On XXXX my social security was place on my XXXX XXXX  card. At that time I proceeded to pay my bills some of those transactions are paid through XXXX and then XXXX XXXX puts a block on my account in which I have to wait XXXX hours before resuming transactions that I make on a monthly bases and when resume if any of those transactions contain XXXX once more a block is placed on my card account in which I have to wait again another XXXX hours. XXXX XXXX recommends waiting XXXX hours that is false. XXXX XXXX also says from their Customer Service team that its XXXX that places the block. This is the XXXX month in a row that this has happened and it getting worse each month. As of XX/XX/year> my social security will be directly deposited into my XXXX XXXX  XXXX account to avoid this headache again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I was contacted by the collections agency IQ data today, XX/XX/year> regarding a move out charge my former apartment rental agency directly sent to collections without notifying me or allowing me the courtesy to pay them directly. I requested my account number with collections and their mailing address as I am legally entitled to file a dispute. I wished to sort this out with my former apartment rental agency first and meanwhile wanted to mark this as disputed. The agent refused to give me the requested information till I disclosed personal info such as where I work, when I get paid, how often I get paid, etc. The agent termed it as helping me and said it will help pause collections. I believe this might be misleading and was a tactic to divert me from filing a dispute, and placed improper pressure on me. This is not proper as I am entitled to be able to file as dispute without having to disclose such info.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against FIDELITY XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
FIDELITY XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXX XXXX XXXX, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.XXXX XXXX XXXX XXXXXXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a twin my brother and i share same birthday. on XXXX i called back after having these issues for almost a month to find out how rude they are.I am writing to express my deep frustration and disappointment with the lack of concern, professionalism, and customer service I have experienced when dealing with the XXXX XXXX  credit bureausExperian, TransUnion, and XXXX. 



First, the repeated use of AI and automated systems that misdirect customers has made it nearly impossible to receive clear and accurate answers. Instead of providing solutions, these systems only add to the frustration by switching customers from one agent to another without resolution. 



At Experian specifically, I encountered employees who were outright rude and dismissive. XXXX and XXXX both treated me with disrespect, offered no meaningful assistance, and displayed a clear lack of empathy toward the issue I was trying to resolve. This type of behavior is unacceptable, especially from an agency that holds such power over consumers financial health. 



Additionally, at TransUnion, I spoke with XXXX XXXX XXXX, who was not only rude but also displayed prejudice in his tone and manner of communication. A manager should be held to the highest standard of professionalism, yet my experience was the complete opposite. 



Consumers rely on the XXXX credit bureaus to safeguard their financial data and to provide fair, accurate, and respectful service when issues arise. Unfortunately, what I encountered was a lack of accountability, poor treatment, and a system that seems to favor deflection over resolution. 



I am requesting that these concerns be formally acknowledged and addressed. No consumer should be subjected to rude, unhelpful, or prejudiced treatment when attempting to resolve legitimate credit concerns. I also urge that better customer service training and accountability measures be put in place to ensure others do not experience what I have.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). 
The account in question is : XXXX XXXX XXXX Late Date Reported XXXX XXXX 2025 XXXX XXXX Late Date Reported XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX requested XXXX interest balance transfer of {$2000.00} from. XXXX XXXX XXXX XXXX XXXX XXXX. Balance transfer was approved and funds distributed on XX/XX/year> to BMO Bank account XXXX XXXX 
The checking account funds were supposed to go to was : Routing # XXXX, acct # XXXX. 
Reference # XXXX XXXX # XXXX To be clearI do not have a BMW Financial account. 
To date funds have not been located or recovered. I have been seeking these funds for almost XXXX months. Come to CFPB for help locating snd recovering these funds.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
there are XXXX accounts with world finance I didn't have XXXX loans with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Hidden Meadow Lending
State: CA

Complaint narrative:
On XX/XX/year>, I took out a {$520.00} loan from Hidden Meadow Lending. The company deposited the money into my XXXX XXXX XXXXXXXX account and provided a loan agreement showing an APR of 777.79 %. My first payment of {$130.00} is scheduled for XX/XX/year>. 

I later realized that this interest rate is far above California 's legal limit for small dollar loans ( 36 % APR under the California Financing Law ). I did not understand that the total repayment amount would exceed {$3600.00} on a {$520.00} loan. I contacted the lender to revoke automatic withdrawals and to request to repay only the {$520.00} principal. 

Hidden Meadow Lending claims to operate under tribal law to avoid California regulation, but I live in XXXX XXXX, XXXX. I believe this is a predatory and unlawful loan, and I am asking for CFPB assistance to ensure that the lender : Stops all electronic withdrawals from my account Cancels the excessive finance charges Allows me to repay only the original {$520.00} principal I have already notified both the lender and my bank to revoke payment authorization and prevent any debits scheduled for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: FL

Complaint narrative:
Iam writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighted 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 CFPBbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against TD AUTO FINANCE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
XXXX XXXX XXXX XXXXXXXX

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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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, inaccurate, and false information consists of a personal credit card account, personal loans, etc. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud.

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: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concern about Chimes handling of my disputed transactions and the lack of proper investigation into my claims. Despite being a long-time Chime user and having submitted multiple reports about transaction discrepancies, I was informed that recovering my lost funds was impossible and that tracking these transactions was unfeasible. 

This response is deeply troubling, especially given recent actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues with Chimes dispute resolution practices and inadequate consumer protection. The CFPBs findings suggest that Chime has failed to provide fair and timely investigations for many customers, leaving usersmyself includedvulnerable to recurring scams and financial loss. 

As a consumer, I expected Chime to uphold its duty to safeguard member accounts, promptly investigate disputes, and communicate transparently about outcomes. Instead, I have been left without resolution or meaningful assistance. 

The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The bank aka wells Fargo to a garnishment order and was paid XXXX bucks to withhold my XXXX check from me which they are doing now ( weven though the law says they must protect XXXX moths worth of funds from being frozen with they are not doing ) they won't release my finds even though it's a proven fact they ate XXXX funds from XXXX XXXX. They keep trying to pass the buck they say talk to the collection lowers ( XXXX XXXX XXXX XXXX XXXX to wells has my funds not the other lawyers ) wells is XXXX bind they screwd up and don't want to admit it and are trying to XXXX there way out without getting XXXX XXXX XXXX XXXX  and it's yo late for that it getting to violating my civil rights now I want nmy cash bank instantly XXXX can pay my XXXX XXXX XXXX  I have a eviction letter no we thanks wells

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