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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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: Student loan — Federal student loan servicing
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: WY

Complaint narrative:
I filed for an investigation into Laon borrower defense, but received decisions only for XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. The status for XXXX XXXX is still pending. I dont fully understand their internal issues, but Im focusing on my own situation. I lost my sight at XXXX, and for years, I have worked hard to gain independence. However, my mom has used my difficulties to make me dependent on her, which makes her feel important. Now that I'm more stable, Im finally able to address these long-standing issues. When I went XXXX, my workplace knew I wanted to challenge the status quo, but they kept me underpaid and unstableallegedly to protect my coach and my mom from harm, but it only damaged my livelihood by prioritizing others over me. These actions, along with going XXXX, have compounded the challenges I face. I XXXX  in the XXXX and cant access my XXXX benefits. I was ordered to return to school and rejoin the XXXX XXXX and although I was XXXX XXXX, I only found out while living on the streets in 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My data was leaked in the TransUnion data breach recently. They sent out letters but sent mine to the wrong address - I can see a photo of it in USPS Informed Delivery but never physically received the letter so I do not have the code inside. 

I called 5 separate times to receive the code. Their hold times are over 45 minutes to an hour. On the 5th call I waited and got through. They gave me 2 different activation codes to try and both said they were expired. The representative didn't know why and transferred me to a superior to find another code. However, the person she transferred me to kept speaking over me and interrupting. He gave me a code that also said it was expired. He said he had no other codes, could not trnasfer me to anyone else, and told me I can put a freeze on my credit report ( which I have already done ). 

I explained that with the data breach they are obligated to provide 2 years of credit monitoring service through XXXX and he refused to look up another code for me or transfer me to someone else, and in fact kept speaking over me and interrupting me when I tried explaining what was happening. He would not even repeat the same code so I could write it down to try later. He told me to call back at a later date to speak to another person- which I told him is not possible as I have already spent a total of approximately 4 hours on hold waiting to get to a person. I asked for his name and he refused to provide it and hung up on me. 

TransUnion is obligated to offer me this service and they make it impossible to do so. This is absolutely ridiculous that a company with that much data on you can be so careless with it and give you XXXX recourse after the fact, even when you follow all the proper steps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello I submitted my payment for the full amount of my statement which was due on or about XX/XX/XXXX. I split the payment between two financial institutions. I can see the payments were credited on XX/XX/XXXX per the credit card company account inquiry. I also validated with my bank. 

For some reason one of the payments was reversed on XX/XX/XXXX. I was not notified of this reversal and no one can tell me why it was reversed. My bank claims the credit card company pushed the funds back - the credit card claims the bank pulled the funds back. Either way it doesnt make sense to me. I was not notified of this transaction reversal and found out on the XXXX when my wife was notified that a charge had crossed the limit ( which would have been possible given the value of the charge and the belief I had the account was fully paid ). 

I contacted American Express that weekend when I got the email for the over limit charge on the XXXX. No one could provide a reason for the reversal of the payment. I worked through with them to get the payments they needed the Monday after ( the XXXX ) and it cleared on the XXXX. 

When I talked to American Express the weekend after the XXXX I was told interest was not being charged. I got my next statement shortly after this and there were charges for approximately {$650.00}. 

I contacted American Express three times since then asking for abatement for this interest because I believe I paid in full when it was due. Irrespective of if my bank or American Express reversed this payment 2 days before the due date - I was not notified and had no ability to cure the situation. Customer service at American Express has indicated I should have been checking my statement daily. That to me is not a reasonable expectation- particularly when I did actually look prior to the due date and saw the amount credited. They have denied this credit and no one can give me an explanation as to why. I dont believe I have done anything wrong. 

Sincerely XXXX XXXX

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NY

Complaint narrative:
Have REPEATEDLY been on the customer service call line at various times of day to speak to a representative. Call wait times exceed over an hour. Still have yet to contact a representative. 
This is an easy fix. I need just a few minutes of their time!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
15 USC 1681 i ( a ) ( 6 ) ( b ) ( III ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Fl XXXX Account : XXXX I XXXX XXXX XXXX XXXX, Dispute this account on XX/XX/year> for the reason Experian completed their investigation. I am requesting a description of the procedure that was used to determine of accuracy in completeness of the information that i dispute this account who did Experian interview regarding this account how did you come to this determination.

This is a violation of the fair credit report act 15 USC1681i ( a ) ( 6 ) ( b ) ( III ), willfulness none compliance.

I appreciate your efforts in this matter and look forward to your 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 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently made payments on time, and any errors in reporting these as late are both inaccurate and unlawful.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC has been reporting a dept to my credit report that doesnt belong not belong to me. I have contacted them multiple times about this about this {$5000.00} dept. They have not removed it and has continued to report this negative information to my credit report.

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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-10-08 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: EQUIFAX, INC.
State: NC

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 USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
This is my third formal complaint regarding XXXX XXXX XXXX XXXX XXXX for continued violations of federal law in connection with an alleged debt originally tied to CreditFresh XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I requested full validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 15 U.S.C. 1692g ( b ). The company responded on XX/XX/year>, only providing a portal link, not mailing the required documentation. A second complaint was filed on XX/XX/year>, and on XX/XX/year>, the company again provided only a generic letter and a partial agreement, which fails to show lawful ownership, itemization, or assignment history. 

Despite failing to provide proper validation, XXXXXXXX XXXX XXXXXXXX continues to report the account to credit bureaus ( last updated XX/XX/year> ). Continuing to furnish information while a debt is under dispute violates : FDCPA 807 ( 8 ), 15 U.S.C. 1692e ( 8 ) furnishing credit information known to be false or failing to communicate a dispute ; FCRA 623 ( a ) and ( b ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) furnishing inaccurate information and failing to investigate after notice of dispute ; FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) failing to maintain reasonable procedures to assure maximum possible accuracy ; Regulation F, 12 C.F.R. 1006.34 failure to provide written validation notice with itemization and mailing requirements ; FDCPA 807 ( 2 ) ( A ), 15 U.S.C. 1692e ( 2 ) ( A ) misrepresenting the legal status or amount of debt ; FDCPA 808 ( 1 ), 15 U.S.C. 1692f ( 1 ) attempting to collect an amount not authorized by contract or law ; 15 U.S.C. 1666b failure to properly credit or apply consumer payments ; Service members Civil Relief Act ( SCRA ), 50 U.S.C. 3937 requiring fair review standards before adverse reporting or enforcement against a consumer with potential protected status. 

The companys assertion that this fulfills all legal requirements is inaccurate. A secure portal link is not an acceptable substitute for mailed validation under federal law. The CFPB has previously closed two complaints without resolution, but the company continues to ignore its obligations under the FDCPA, FCRA, and Regulation F.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am following up on a previous dispute submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning inaccurate reporting of two accounts on my credit file. The first involves an account with XXXX XXXX ending in XXXX, which is reporting as late despite discrepancies I previously documented. The second account, reported by XXXX XXXX ending in XXXX, is listed as a charge-off with a balance of {$14000.00}. I disputed this information because the charge-off appears to be tied to an open account and is not being reported accurately. Despite providing supporting evidence in my initial dispute, there has been no meaningful update or confirmation of a reasonable reinvestigation. The information continues to report inaccurately, and I have not received any documentation explaining how the data was verified or by whom, which constitutes a violation of my rights under the Fair Credit Reporting Act.

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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the 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 findings indicate that Zelle has not only neglected to protect consumers but has also 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have been a victim of identity theft and there is some fraudulent inquiries on my credit report due to identity theft. 
here are the fraudulents inquiries XXXX XXXX XXXX XXXX XXXX 
I did not reconize and i did not authorize these hard inquiries. I will also attached my identity theft report. 

thank you for you help.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, a manual withdrawal was processed from my Wells Fargo Business Checking Account ( XXXX XXXX ). 

The withdrawal slip provided to me later shows handwriting and a signature that are not mine, and it omits a branch code, teller ID, or authentication stamp. When I contacted Wells Fargo, their representatives confirmed that no branch information could be found in their system for this transaction. 

This account is used solely by me ; there are no additional signers, payroll users, or delegated authorities. I have never authorized anyone inside or outside Wells Fargo to complete withdrawal documentation on my behalf. 

When I reported the issue to Wells Fargos Claims Department in XX/XX/XXXX, the claim was denied because of a 30-day reporting limitation in the Business Account Agreement. 

However, that limitation does not relieve the bank of its duty under UCC 4A-202 and 4A-204 to maintain commercially reasonable security procedures and to investigate any transaction that lacks proper authentication.

The irregular withdrawal was only discoverable once Wells Fargo supplied a copy of the slip and that copy itself lacked teller identifiers, so the timing of discovery is reasonable and the denial is procedurally improper. 

On XX/XX/XXXX, Wells Fargo issued a letter stating : Because your account has been compromised That phrase is an explicit acknowledgment of a breach of account security. 

Yet the bank provided no explanation of how the compromise occurred, who performed the withdrawal, or whether it involved internal staff error, system misuse, or fraud. No remediation steps were described, and no evidence of authentication review was offered.

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