vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITICARDS CBNA s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. DEPT OF EDUCATIONXXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. CITICARDS XXXX XXXXXXXX

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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: EA Holdings Corp.
State: IL

Complaint narrative:
In XXXX XXXX I refinanced my XXXX XXXX XXXX through Easy Acceptance. I believed I was simply completing paperwork for refinancing and vehicle repair, but I later learned that the company added a GPS starter interrupt or ignition-lock device without fully explaining that it could remotely disable my vehicle. 

Since the refinance, Easy Acceptance has repeatedly locked my cars ignition whenever a payment was a few days late even when I made consistent bi-weekly payments. I received multiple GPS Ignition Lock text messages from their system between XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ). Each time, my car would not start until I made a payment through their link. 

On XX/XX/XXXX, my car was disabled again over a balance of only {$88.00}, even though I had already arranged to pay on that date. The ignition was re-enabled after I paid, but shortly afterward the alternator failed. A certified mechanic ( XXXX  XXXX XXXX XXXX, XXXX XXXX, IL ) confirmed the alternator needs replacement, costing {$750.00}. 

I believe the repeated remote lockouts caused electrical damage to the vehicle and placed me in unsafe situations, including being stranded while caring for my child. I also believe Easy Acceptances actions are unfair and deceptive, as they repeatedly disabled my vehicle without proper notice or right to cure while I was making regular payments. 

I am requesting investigation, reimbursement for the repair expense, and a review of Easy Acceptances use of these devices on financed vehicles in Illinois.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns about chime scheduling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with a platform dispute, using chime numerous times reporting discrepancies my financial institutions and fail to investigate my claims they informed me recovering lost funds was impossible and they tracking these transactions was infeasible the CFPBs findings that indicate that chime has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability transparency is unacceptable and raises serious concerns about customers safety.

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

Complaint narrative:
Equifax Failed to Provide Method of Verification Under FCRA 611 ( a ) ( XXXX ). On XX/XX/year>, I disputed one or more inaccurate items on my Equifax credit report. Equifax later responded that the information was verified as accurate.Under FCRA 611 ( a ) ( 7 ), I requested the method of verification, including the name, address, and telephone number of the furnisher of information and the procedure used to verify the data. Equifax failed to provide a full response within the required 15 business days, or provided a vague response that did not include the verification details required by law. I am requesting that the CFPB ensure Equifax provides a complete and detailed method of verification as required by the Fair Credit Reporting Act. Disputed Item ( s ) : [ Creditor Name ; XXXX XXXX / Account Number ; XXXX / Date Opened XX/XX/year> / Type of Error ; Data Breach, Inaccurate Information ]. Ive attached copies of my original dispute, Equifaxs response, and my follow-up request for the method of verification. I want Equifax to comply with FCRA 611 ( a ) ( 7 ) by providing the specific method of verification, including the name, address, and telephone number of the furnisher, and a detailed description of how the item was verified. If Equifax can not verify with documentation, I request the deletion of the item from my credit file.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: GA

Complaint narrative:
At XXXX on XX/XX/year>, I attempted to make a transaction at the United States Postal Service in the amount of {$130.00} with my MoneyLion account. When the transaction declined, I'd realized I hadn't transferred enough money, so I opened the MoneyLion app to check only to see that my account had been closed. I knew this happened recently because when I received my direct deposit of {$150.00} on XX/XX/XXXX, the account was still open. At XXXX, I called the customer service number provided ( XXXX ) to inquire about my account. A representative named XXXX explained that my account was closed, I could not be given information about the circumstances surrounding my account closure, and that my funds would not be able to be recovered. I explained that I was trying to purchase a money order to pay a balance on my rent and that I urgently needed the money, but she said nothing could be done. I pressed for more information and she said she would call me back. I hung up and she called me back at XXXX the same day to tell me that the account closure was final and it could not be reversed because it came from " suspicious activity '' on the account. I informed her I had no knowledge of any suspicious activity and that only I had accessed the account to purchase a money order. She repeated the same information about not being able to reverse the decision, and the call ended. I called the customer service number again at XXXX, where we repeated the same conversation almost exactly as the first time, except this time I asked to speak supervisor. The representative put me on hold and came back and saying that the supervisor agrees with him and that nothing could be done, and he ended the call. I recorded this second call for documentation, as I wasn't able to get any information on my account nor was I able to speak with a supervisor directly. There is no written documentation to provide because none was given at the time of the account closure or when I requested it when speaking to the representatives.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Collection accounts appearing on my credit report contain information I believe to be inaccurate. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and verifiable. I request a thorough review of these entries, and if they can not be validated, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX To : Legal Department Early Warning Services , LLC ( operator of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Demand for Account Reinstatement and/or Compensation Due to Unjustified Closure Dear Zelle Legal Department XXXX XXXX am writing to formally demand immediate action regarding the unjustified and unexplained closure of my Zelle account XXXX with XXXX on or around XX/XX/XXXX. The following facts shared herein are supported with attached screenshots as evidence of what I believe XXXX have led to disruption of my Zelle account, unjustifiably. On XX/XX/XXXX, XXXX XXXX XXXX XXXX Zelle account associated with XXXX ) erroneously sent {$350.00} to XXXX belonging to XXXX XXXX in XXXX XXXX, FL XXXX XXXX quickly realized she had made an error, reached out to XXXX  XXXX via text to appeal to see if she would return the money back to her as it had been sent by error. XXXX XXXX stated it was easier for her to return the full {$350.00} to a XXXX XXXX FL phone number and XXXX XXXX suggested my Zelle number XXXX. XXXX XXXX indeed voluntarily sent me a Zelle in the amount of {$350.00} on XX/XX/XXXX on behalf of XXXX XXXX. On XX/XX/XXXX I learned that my zelle account had been blocked as a result of a reported fraud claim from XXXX XXXX XXXX. I have appealed to Zelle several times since this fraud claim is defamatory in nature as XXXX XXXX sent me the money in full understanding that she was returning money that was not originally intended for her as it was a very simple mistake related to the similarity in our cell phone numbers. There was no fraud or scam of any kind as per your own terms on your website A scam is when you are deceived into knowingly sending money to someone. XXXX XXXX fully understood why and to whom she was returning the money to- there was no confusion, and no misrepresentation of facts. To date, I have not received a satisfactory explanation or evidence supporting the account termination. Furthermore, this sudden action has caused me financial disruption, embarrassment, and stress, as I rely on Zelle for personal and/or professional transactions. I demand the following : 1.A written explanation for the closure of my account.

2.Reinstatement of my account or, alternatively, 3.Full reimbursement of any funds held or lost due to the accounts closure.

4.Compensation for inconvenience and any provable financial harm suffered as a result.Please consider this letter a final attempt to resolve the matter amicably. If I do not receive a response within XXXX business days, I will explore legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and potentially pursuing civil litigation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Unauthorized transactions were taken from my cash app account. When trying g to reach someone to resolve there was not a customer wr service number to contacy onlY email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I woke up suddenly one evening to my cashapp being closed, and I was very confused as to why, as I have only really used the account for stuff like things like shopping and money for lunch/public transportation. I have tried to talk to Cash App about this multiple times, and Ive submitted an appeal, but they constantly say my account has violated the terms of service without further explanation. I tried to make a new account as I need a cashapp, as thats how I get money to and from my family, but as I was sitting on the bus stop & logged in, Cash App suddenly closed it again, which seems to be unfair, as they let me order a card from them, and never even sent me an email about the account being closed, only that my card has been deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Managements continued furnishing of inaccurate information to the credit bureaus after acknowledging to the CFPB that the account in question is under active review. 

I previously filed CFPB Complaint # XXXX on XX/XX/year>, concerning this same account. In their response to that complaint, Midland stated that the matter was still under investigation and that they were reviewing the issue.

Despite that admission, Midland simultaneously reported to XXXX  and XXXX that the account was verified as accurate. Both credit bureaus relied on that confirmation to continue displaying the tradeline on my consumer file. 

This is not only contradictory it demonstrates clear, bad-faith reporting and a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and cease reporting information they know or have reason to believe is inaccurate. 

Violations and Misconduct 1. False or Misleading Representations to Credit Bureaus : Midland knowingly furnished verified data to XXXX  and XXXX  while telling the CFPB that their review was ongoing. This constitutes deceptive and inconsistent reporting. 
2. Failure to Conduct a Reasonable Investigation ( FCRA 623 ( b ) ) : A furnisher can not verify an account as accurate when its own internal review remains incomplete. Doing so demonstrates a reckless disregard for the consumers rights under the FCRA. 
3. Willful Noncompliance and Pattern of Negligence : Despite being placed on notice via my prior CFPB complaint, Midland has failed to correct or suppress the disputed tradeline and continues to report it as valid, intentionally harming my credit reputation.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 explanation
Consumer complaint received 2025-10-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation