vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against COMENITY BANK/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.

COMENITY BANKXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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:
I am writing to express my concerns regarding zelle handling disputes particularly in light of the CFBP lawsuit highlighting several issues with platform. Despite using this platform numerous times and reporting the discrepancy my financial institution and Zelle failed to do an accurate investigation. I was told that my loss funds could not be recovered due to these actions Zelle has a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against WFBNA CARD 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. 

WELLS FARGO CARD SER 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 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, I went to a Chase bank to open a new checking and savings account using a promotional code that I received in the mail. The promotion offered {$900.00} for opening a checking and savings account at the same time, setting up direct deposit in the checking, and maintaining a {$15000.00} balance in the savings for 90 days. The promotion is still ongoing and I've attached a recent screenshot from the Chase website. My bank teller, XXXX, signed me up for the two accounts using the code that I received in the mail. Then I complied with all of the requirements. In XX/XX/XXXX, I followed up over the phone to ask about my {$900.00}. The customer service representative said there is " no record of the promotion '' and told me to go speak to a teller in person. I went to the bank where I opened the account. For the first time, they told me I was ineligible for the bonus because I had previously held a Chase account in XXXX ( which is not listed as a disqualifier in the terms ). They would not put the explanation in writing, but did print the attached paperwork that confirms the coupon code and the promotion that I used. Finally, the teller told me to take up the issue with customer service. I messaged customer service about the issue and they claim the code that the bank teller printed out is invalid. After a week of messaging them, I was never given an explanation for why the {$900.00} award was not applied. Customer service said that the issue was being escalated to the research team, which would contact me, but they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: GA

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. 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 2025-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys credit card company has not adequately addressed nor credited back to our account the fraudulent charges placed onto our card from a card theft fraud which occurred in XX/XX/XXXX. We discovered the fraudulent charges on XX/XX/XXXX and cancelled our card. We have made 3 requests over the past XXXX  months to have charges corrected, but Macys has been unable to credit back the fraudulent charges. Our acct is overdrawn by about XXXX XXXX  ( has never occurred in the history of us having the card prior to fraud ), our credit is being adversely affected and we are still having to pay a monthly amount based on erroneous charges. 

When we first filed the dispute, the statement and Macys representative both indicated a refund in the amount of over XXXX XXXX ( XX/XX/XXXX statement provided in attachments ). However, later statements now indicate we owe them over $ XXXX. The math is incorrect and XXXX. We should not have to pay for a debt that we did not create. We are the victims of fraud.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App repeatedly lied to me when I called customer service to get a corrected XXXX. I was the victim of fraud, and they told me they would " investigate ''. After 4 weeks of calling repeatedly, they told me there was nothing they could do to fix the fraudulent XXXX unless contacted by local law enforcement. Even after I filed a police report with XXXX  PD, they did nothing to fix the fraudulent XXXX. It cost me over 40 hours of time and I had to pay to get my taxes done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-06 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I was trying to purchase a car and I noticed that had some collection accounts on my credit report XX/XX/XXXX and I did not get out until XX/XX/XXXX, I contacted this debt collected and I informed them that I did not take out this because I was in jail, I did send them proof of me being in jail, I have not received anything from this company not even what is this debt about I asked for this in XXXX and I am still waiting and still have this affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Issue : I am being billed for charges on my Venmo Credit Card ( issued by Synchrony Bank ) even though my balance was fully paid and my account has been closed. 

Details : My total balance was {$750.00}. 

I paid {$730.00} on XX/XX/XXXX and {$28.00} on XX/XX/XXXX ( confirmations attached ). 

This paid my balance in full, reducing it to {$0.00}. 

I received written confirmation from XXXX that my account was closed and that I was sent a final statement. 

Despite this, I continue to be billed a minimum payment of {$41.00} each month beginning in XX/XX/XXXX. 

I also have phone call records with Synchrony in late XXXX confirming that my account was at {$0.00} when closed. 

Additional context : I am not a XXXX citizen and was only working in the United States temporarily on a visa for a few years. I have not lived in the XXXX since XXXX. Because of this, resolving issues by phone or mail has been very difficult, and I am relying on this complaint process for proper resolution. 

Impact : This is causing unnecessary stress and could negatively affect my credit report if not corrected promptly.

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 2025-10-06 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 numerous times and reporting discrepancies, my Financial institution and chime failed to Investigate my claims adequately. They Informed me that recovering lost funds was Impossible and that tracking these Transactions was infeasible. The CFPBs Findings indicate that chime 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 2025-10-06 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: Nelnet, Inc.
State: WV

Complaint narrative:
I would like to request that my eleven closed student loan accounts from the XXXX XXXX  XXXX be removed from my Equifax credit report. Please see pages XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the attached report. These accounts were closed in XXXX of XXXX. These accounts are accordingly too old to be kept on file. I have also attached my ID, my social security card, and a recent utility bill. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFBPs funding 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. 
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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX : XXXX XX/XX/year> Columbia Debt Recovery XXXX XXXX WA XXXX XXXX : Request for Debt Validation Account # : XXXX To whom it may concern : I am writing regarding the above-referenced account. I request that you validate this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity and/or amount of the debt and request that you provide the following information in writing : 1. The name and address of the original creditor.

2. A complete, itemized accounting showing how the alleged amount was calculated, including dates, charges, interest, fees, and payments. 
3. Proof that you are licensed to collect debts in Arizona, and provide copies of any license numbers or registrations.

4. Proof that you are authorized to collect on behalf of the original creditor ( a copy of the contract or assignment showing chain of custody from the original creditor to you ). 5. A copy of the original signed contract or agreement bearing my signature that created the alleged debt.

6. If you claim any judgment exists, provide a copy of the judgment document and details of where and when it was entered.

7. The name and address of the original creditor ( if different from above ) and the date the debt was incurred.

8. A statement whether the debt is within the statute of limitations in Arizona ; if you claim the statute of limitations has been tolled, provide documentation supporting that claim. 9. Identification of the person who verified the debt and the date of verification.

While you are validating this debt, I request that you immediately cease all collection activity, phone calls, and reporting to any credit reporting agencies related to this account. If you have reported this debt to any credit bureau, please provide documentation of the date ( s ) and agency ( ies ) notified and remove any negative information until the debt is validated. 
Please send the requested information to the address above. If you can not provide the requested validation, you must cease collection activities and notify any credit reporting agencies to remove any adverse information you reported. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I am a victim of the Equifax data breach this situation has costed me my job and other things from my lively hood. I have been trying to have this information on my credit report corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TN

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Made an order on XX/XX/year> of {$180.00}. The merchant was XXXX  XXXX. The products shipped on XX/XX/year>. They delivered me an empty box of the actual product. XXXX XXXX agreed to refund me on XX/XX/year>. They never did and wont emailed me back. I opened a new dispute with capital and they denied it even I gave them the proof

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: MA

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