vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I am submitting my fourth formal dispute regarding the continued reporting of inaccurate and unauthorized information on my credit reports. Despite previous disputes, the following items remain on file, and I am requesting permanent removal of these items from all three bureaus. 
The account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXontinues to be reported as late, even though it was fully paid and properly closed. This reporting is inaccurate and violates FCRA XXXX ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, as well as FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( b ), which mandate that furnishers and reporting agencies maintain complete, accurate, and verifiable information. Because this account is fully satisfied, it must be permanently deleted. 
In addition, there are unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX both dated XX/XX/year>, which I never authorized or initiated. The presence of these inquiries violates FCRA 605B, FCRA 604 ( a ), and FCRA 604 ( f ), which restrict access to consumer reports strictly to permissible purposes. These inquiries constitute unauthorized access to my personal credit information and must also be permanently removed from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Im writing to place my concerns regarding handling disputes with the recent XXXX  lawsuit with the significant issues with the Zelle platform. I use Zelle numerous times and reporting discrepancies my financial institution fail the investigate my claim adequately. They informed me that recovering lost was impossible and tracking these transactions was unfeasible.

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

Complaint narrative:
Jefferson Capital Systems is attempting to collect a debt that does not belong to me. The alleged obligation is tied to a prior XXXX XXXX XXXX account. I submitted a written dispute and a demand for full validation under FDCPA 1692g ( b ) and Regulation F ( separate requests for original-creditor identification, complete itemization/ledger, chain of title, signed agreement, original-creditor statements, DOFD/last payment, charge-off/1099-C status, licensing, and copies of required notices ). In addition, Jefferson Capitals collection is being pursued while the original XXXX tradeline remains on my reports, creating a misleading appearance of multiple debts for the same underlying obligation. Such duplicative or confusing representations and failure to clearly identify the current creditor violate FDCPA 1692e, 1692e ( 2 ) ( A ), 1692e ( 10 ) and the prohibition on unfair practices 1692f ( 1 ). See, e.g., Tourgeman v. Collins Financial, 755 F.3d 1109 ( XXXX Cir. XXXX ) ( misidentifying/obscuring the creditor is misleading ) ; Fields v. Wilber Law Firm, 383 F.3d 562 ( XXXX Cir. XXXX ) ( amount/ itemization clarity required ). Jefferson Capital must cease collection unless and until it mails complete verification, and any reporting must clearly reflect that the debt is disputed under 1692e ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Called kia finance for lease buyout / payoff to sell car as a trade into another dealer ( XXXX XXXX ) kia payoff quote is XXXX - but to sell it to dealer they want {$1300.00} dealer purchase fee that is not in my lease contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency reporting an unvalidated and unverified account which is illegally reducing my credit score. I have not provided permission to share this information. PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: VA

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 US BANK 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. 

US BK 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called up Capital One told them that I'd like to pay it my account off in full and for my credit report to reflect paid in full and yet they gave me six payments and {$61.00} to pay to make the account later now after this has been done they are now showing that I still owe {$280.00} account is showing paid in full for a lesser amount and this was not agreed upon it was agreed to be reflected paid in full and all negative remarks removed this was the agreement now they have not sent me any information per receipt for each payment day took and have not fulfilled their end of the bargain I'm disputed this and disputed it and disputed it and nothing gets done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is your final notice. You unlawfully reinserted the following deleted accounts on my credit file Account number & name : XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Balance : {$950.00} You have violated FCRA 611 ( a ) ( 5 ) ( B ) by failing to notify me within 5 day of reinsertion and you are in direct violation of FCRA 605 ( B ), which prohibits re-repoting of blovked or fraudulent items.

You have 4 days from receipt of this letter to : * Permanently delete the account and provide written confirmation Failure to comply will result in a lawsuit for willful noncompliance under FCRA 616 & 617 for statutory, punitive damages and attorney fees. 

I am prepared to take immediate legal action if you ignore this demand. Please provide proof of Validation of the debt and if unable to provide, Delete this reinsertion immediately. 

Sincerely 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-07 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:
Im writing to formally express my feelings for how Zelle handled disputes in the light of the CFPB lawsuit I made plenty of claims for my account they informed me the lost money was impossible for me to get back thats a big problem car it was money I needed and they couldnt do anything for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, PayPal issued a {$10.00} reversal on my account without providing a clear explanation. This reversal created a negative balance and restricted access to my account. On XX/XX/year>, I contacted PayPals Executive Office by email requesting a refund for the {$10.00} reversal and an explanation for the account limitation and negative balance.

PayPal responded but did not clarify why the reversal occurred or how to resolve the issue. Their message stated that they could not restore access to my account or its balance and suggested submitting documentation through the Resolution Center or via email. However, no specific reason for the reversal or limitation was provided, and no resolution was offered. 
I am seeking a refund of the {$10.00} reversal, a clear explanation of why it happened, and restoration of my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint serves as my 3rd formal dispute regarding inaccurate and unauthorized information that continues to appear on my credit reports. Despite prior disputes and supporting evidence, the following items remain uncorrected and are causing continued harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} This account is being reported as a Charge-Off, yet there has been no Form 1099-C issued to show that this debt was officially canceled or forgiven. The absence of a 1099-C for a debt above {$600.00} indicates that the reporting of this account as a charge-off is inaccurate and unverifiable. 
This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires every credit reporting agency to maintain maximum possible accuracy in the information it reports. The failure to verify this debt or provide proof of cancellation through a valid 1099-C means this tradeline must be permanently deleted from all my credit files. Continued reporting after multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization or consent and lack a permissible purpose under federal law. Under FCRA 605B / 15 U.S.C. 1681c-2, consumers have the right to block information resulting from unauthorized use of their personal information. 
Additionally, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limit when a consumer report can be accessed strictly requiring written consent or a legitimate purpose. Since I never applied for credit or authorized these entities to obtain my report, they represent unauthorized access to my personal data and must be permanently 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 2025-10-07 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: IL

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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system 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 2025-10-07 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 highlighting significant issues with the platform. Despite using zelle numerous of 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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but have 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 comsumer safety.

Company response to consumer: Closed with explanation