vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am writing to express my concerns regarding to Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime countless times reporting discrepancies my financial institution they ( Chime ) has 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 also has allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe may be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a notice in the mail from Jefferson Capital on XX/XX/year>. The letter was dated XX/XX/year>. Jefferson Capital is attempting to collect a sum of {$500.00} from me. Jefferson Capital is a company I am not familiar with, and I have never conducted business with this company.

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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously disputed multiple accounts with Equifax that were verified through unverifiable or third-party data sources. I have frozen all third-party data reporting agencies ( XXXX, XXXX, etc. ), so Equifax should not be able to verify any account data or permissible purpose from those sources. 

Equifax recently removed several remark codes ( proof of data changes ) but failed to provide verification or remove the remaining accounts tied to bankruptcy and outdated addresses. The continued reporting of these accounts without permissible purpose violates FCRA 604 ( a ) and 611 ( a ) ( 5 ).

Ive provided my valid ID and curren
t address, and the court does not report or verify individual accounts. Therefore, Equifaxs data verification method is non-compliant and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I was involved in an accident taking me out of work for some time. My mortgage company offered me the forbearance plan that they have when offer the plan before agreeing to it I asked the representative over the phone several times that I would not be reported on my credit as late. Once I was back to work and ready to come off the plan I was then offered the XXXX  relief plan as a kind of refinance option that would lower my rates and assured that no payments where needed from the forbearance plan and I again was told I will not be reported as late. Recently when I was attempting to purchase a new home I was denied due to my mortgage company having me shown as 120 days late when I attempted to dispute it with the lender I was told that I was never assured I would not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing regarding to formally express my concerns regarding chime 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 were unfeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but they 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: 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 formally requesting a full reimbursement for all of my Zelle transactions from 2020 to the present. Every transaction I will be uploading is directly connected to the widespread issues and consumer complaints currently under investigation in the CFPB ( Consumer Financial Protection Bureau ) lawsuit involving Zelle and participating financial institutions. 

For years, countless consumers myself included have experienced unauthorized withdrawals, fraudulent activity, and a complete lack of protection or accountability from Zelle and its partnered banks. Despite repeated warnings, these institutions continued to allow transactions to process under unsafe and deceptive conditions. 

My financial stability, personal security, and peace of mind have all been affected by these ongoing failures. I am demanding a full review and reimbursement of every transaction involved, as these fall squarely within the scope of the CFPBs findings of negligence, mishandling, and lack of consumer safeguards. 

I expect this claim to be handled with urgency and transparency, as this matter reflects a systemic issue that has impacted millions of customers nationwide.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because Equifax has failed to correct inaccurate and incomplete information on my consumer report, even after I have disputed these issues several times and provided all necessary documentation. 

It has now been over XXXX months since I last submitted information to Equifax, and no corrections have been made. Because of this, I recently rewrote and resent my full dispute letter by certified mail with all updated documentation. I am attaching copies of the new documents I sent to Equifax, which include my government-issued ID, Social Security card XXXX a recent bank statement, my FTC Identity Theft Report ( XXXX XXXX ), and proof that my personal data was compromised in the Equifax XXXX XXXX XXXX XXXX Number : XXXX ). 

Problems with Equifaxs reporting : Equifax continues to report fraudulent or inaccurate accounts I did not open : XXXX. XXXX XXXX XXXX XXXX XXXX or Business Loan ( no account number reported ) this is inaccurate and incomplete, violating 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 


XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX ( balance {$5100.00} ) Equifax is also reporting an address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have no connection to this address, and keeping it on my file increases the risk of identity theft. 


Why this violates the Fair Credit Reporting Act : Equifax has failed to reinvestigate or delete inaccurate information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ). 

The incomplete XXXX XXXX account violates the requirement for maximum possible accuracy ( FCRA 1681e ( b ) ).

Under FCRA 1681c2, Equifax must block identity theft-related information within XXXX business days of receiving proof. 

Continuing to report unverifiable data after notice constitutes willful and negligent non-compliance under FCRA XXXX. 


Harm caused : These ongoing inaccuracies have already caused me to be denied for a mortgage loan. This situation continues to harm my creditworthiness, limit access to credit, and cause emotional distress and hardship.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized or Inaccurate Inquiries Dear Credit Bureau Representative, I am writing to formally request the removal of inaccurate or unauthorized hard inquiries from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and 15 U.S.C. 1681i. I have reviewed my credit file and found the following inquiries that I did not authorize or that were incorrectly reported : Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXXXXXX XXXX - Date of Inquiry : XX/XX/year> XXXX  - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX  XXXX Via Dealer - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX  - Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXXXXXX Via Dealer- Date of Inquiry : XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX  - XXXX XXXX XXXX : XX/XX/year> Reasons for Dispute : I did not authorize these companies to access my credit report. 
The inquiries may have resulted from identity theft, an error, or improper access.

Under FCRA 1681b, a credit bureau may only list inquiries with permissible purpose, and these inquiries do not meet that standard. 
Requested Action : Remove the disputed inquiries from my credit file immediately. 
Provide written confirmation that the inquiries have been deleted. 
Send me a corrected copy of my credit report reflecting these changes. 
If these inquiries are not removed, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter my formal notice to correct these violations within 30 days, as required by federal law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: 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: LA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are porting inaccurately and without my knowledge. Please help me get these accounts moved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are porting inaccurately and without my knowledge. Please help me get these accounts moved immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request your assistance regarding an inaccurate and misleading negative item on my credit report. I am currently in the process of purchasing a home, and this negative information is affecting my ability to secure financing. 
Ill be uploading supporting documents. ID, a bill, social security card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal FCRA Dispute Inaccurate Reporting by XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The account in question is reported by XXXX XXXX XXXX, account ending in [ XXXX ]. 
This account is being reported as charged off with a current balance of {$12000.00}, and it lists a Date of Last Payment of XX/XX/XXXX. I have not made any payments since the account was charged off, and the debt has since been placed with a collection agency that is already reporting separately. 
Therefore, the XXXX entry is inaccurate for the following reasons : XXXX. Reporting a balance on a closed, charged-off account that has been transferred to collections. XXXX. Listing a false payment date ( XX/XX/XXXX ) which did not occur. XXXX. Updating the last reported date ( XX/XX/XXXX ), which re-ages the account and extends its negative impact. 
These inaccuracies violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 5 ), and 1681e ( b ). I am requesting that you investigate this matter and either correct or delete the inaccurate information from my credit file. 
Note : I am including a copy of my government-issued ID for identity verification purposes. Please note that my ID reflects a different address from my current mailing address listed above. My current mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX ) is the address I wish to use for all correspondence related to this dispute. 
Please provide me with the results of your investigation and a corrected copy of my credit report once your reinvestigation is complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX  XXXX - {$0.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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