vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a few items that are not correct. By law can dispute anything that I feel is not 100 % correct. 

Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on the consumer reports.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear in my file. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to US Department of Education on student loans, yet, Aidvantage [ servicer ] continues to report late, delinquent payments for XXXX XXXX, knowing that information is inaccurate. Refiling COMPLAINT ( S ) for removal, because Aidvantage is defiantly refusing to comport with 15 USC 1692, 1681. I ATTEST, XXXX, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Best, XXXX XXXX XXXX MD PHONE : XXXX EMAIL ( XXXX ) : XXXX AND XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry that appears on my credit. This account is inaccurate and a violation of the FCRA.

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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

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

Complaint narrative:
Experian has been caught reporting accounts and is found in violation of FCRA LAWS and failed to correct misleading and unverifiable accounts related for double reporting, deletion and reinsertion, see attachments for new evidence of my consumer rights being violated

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: 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: CA

Complaint narrative:
Experian has been caught reporting accounts and is found in violation of FCRA LAWS and failed to correct misleading and unverifiable accounts related for double reporting, deletion and reinsertion, see attachments for new evidence of my consumer rights being violated

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: 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 Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Even though Ive used Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds is impossible, and tracking the transactions werent feasible. The CFPBS findings indicated that Zelle has not only neglected to protect their consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using chime numbers to times and reporting to use my finance institution and chime failed to investigate my claims acquit they informed me that recovering lost funds was impossible in tracking. These transactions was unfeasible. The CFPB findings indicate that chime has not only neglected to protect consumers that has also allowed repeat offenders to exploit the systems even users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

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: Shepherd Outsourcing, LLC
State: NJ

Complaint narrative:
I originally had a balance with XXXX XXXX XXXX, which was sold to XXXX XXXX. XXXX XXXX appears to be the same company as Shepherd Outsourcing, because my payments are being processed under the name SO XXXX, but my account was in Shepherd Outsourcing with the phone number XXXX. 

In XX/XX/year>, I made an agreement with Shepherd Outsourcing for a pay-for-delete arrangement. I paid a total of {$1200.00} through a payment plan, with my final payment on XX/XX/year>. 

The company confirmed that once the balance was paid, they would send me a letter stating that I no longer owed any balance and that the account would be deleted from my credit report within 30 or 45 days. However, they never sent the letter, and the account remains on my credit report.

I have contacted the company multiple times since then, including speaking with a supervisor named XXXX, who repeatedly promised to send the letter but failed to do so. During my last call, the supervisor ended the conversation abruptly. 

This situation is unfair and negatively impacting my credit, despite my full compliance with the agreed payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under FCRA Dear Equifax , I am writing to formally dispute information on my Equifax credit report that I believe is inaccurate or unauthorized. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Equifax investigate and correct or remove the inaccurate entries from my credit file. 

Enclosed are the following documents to support my request : 1. A copy of my government-issued photo identification.

2. A copy of a utility bill or other proof of my current address. 

The following items on my credit report are inaccurate or unauthorized and must be corrected or removed : Accounts ( FTC Code = U for Unauthorized/ I for Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries ( FTC Code = I for Inaccurate / Unauthorized ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 separate inquiries ) Only my legal name and current address, as provided above, should remain on file. 

Please provide me with written confirmation once these inaccurate or unauthorized items have been corrected or removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Charged me high interest rates when the bank was froze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: H & S Financial, Inc.
State: VA

Complaint narrative:
All my information is on XXXX just type in my name and its saying Im being sued by different companies and open for the public to see without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Pay pal double charging for payment plan arrangements. 
Dates XX/XX/year>XXXX  double charge XX/XX/year>XXXX  double charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPCMB continues to negatively report against my credit file please see attached screenshot Creditor is supposed to refrain from all negative reporting while a dispute is active. DIRECT VIOLATION as follows : On XXXX XXXX JPCMB placed an extremely negative report on my credit file regarding and account they previously showed as PAID on my credit file now they are showing the account " charged off as bad debt " during this dispute.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/year>, I inadvertently missed a payment of {$9.00} on my Discover credit card. This amount included fees, interest, and services. It was the first and only late payment on my account. 
Upon noticing the late payment, I contacted Discover to request a goodwill adjustment. I spoke with a supervisor who informed me that the late payment had already been reported to XXXX/XXXX  and could not be removed. As a result, my credit score dropped from XXXX to XXXX. 
I respectfully request that Discover reconsider their decision and remove the late payment from my credit report as a goodwill gesture, given my history of timely payments and the minor nature of the oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ameritan Group Services
State: AZ

Complaint narrative:
XXXX XXXX XXXX called my sister and brother in law and left a detailed voicemail with personal information including my name and last four of SSN as well as implied negative actions against myself if I did not respond

Company response to consumer: Untimely response
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
In XX/XX/year>XXXX  I disputed a XXXX XXXX XXXX XXXX account that was still being reported on my credit file after it had apparently been transferred or sold. XXXX XXXX acknowledged my dispute and responded on XX/XX/year>, but the tradeline remains on all three credit bureaus showing a charge-off balance. On XX/XX/year>XXXX  XXXX XXXX sent a notice stating that no further investigation would occur. 

I mailed certified correspondence requesting verification of the accounts current owner and correction or deletion of any unverifiable data, but XXXX XXXX has not provided documentation proving that it still owns or services this account. If the debt was sold to a third-party collector such as FirstSource Advantage , the tradeline should read transferred/sold/ {$0.00} balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation