vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IL

Complaint narrative:
I am writing to formally express my concerns regarding about XXXX handling of disputes, particularly in the light of recent CFPB lawsuits 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 CFPBs findings indicate that zelle has not only neglected to protect consumers but as 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 2025-10-06 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: TX

Complaint narrative:
I am personally submitting this dispute regarding erroneous delinquency entries that have been reported on my credit file. Upon conducting a thorough review of my payment documentation and account history, I have identified these incorrect late payment notations that require immediate correction. Although I submitted written correspondence about this issue more than XXXX days ago, no response has been received, and adequate proof has not been provided to support these negative marks. I am now seeking your direct intervention to quickly and properly resolve this credit reporting inaccuracy.

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: 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: TN

Complaint narrative:
I did not authorize and I dont recognize these accounts. Ive already sent XXXX rounds of letters. The unauthorized account was removed and then put back on. I have contacted the credit bureau asking them to block the company and remove again and they have not fulfilled my request. There are XXXX unauthorized accounts and a XXXX that should not be reporting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing 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 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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This is regarding the Express credit card. ( Comenity Bank ) The payment I made on XX/XX/XXXX was after XXXX pm ( considered late ), and I was charged a {$30.00} late fee. I emailed customer service, and I was informed that my late fee would be waived. Then, on XX/XX/XXXX ( next month 's due date ), I emailed them to inform them that the fee was still outstanding. I thought they would remove it for me, as they had promised. I didn't realize they only refunded {$15.00}, and I had only a {$15.00} balance. Then I received a call from my credit card company informing me that I owed money, plus late fees, and an additional fee. They can't even solve the problem, even though I've provided the documents. Please help.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: AL

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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and anxiety for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear LVNV Funding LLC XXXX Department, I am formally disputing the accuracy, validity, and ownership of the above-referenced account being reported under my name. This letter serves as a demand for full validation of debt and notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

You are hereby notified that under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2, you must provide proper documentation to substantiate any alleged debt you claim I owe. 

I am requesting the following : The original signed contract or application bearing my signature establishing the alleged debt. 

A complete chain of assignment showing legal transfer from the original creditor to LVNV Funding LLC. 

A full account statement itemizing all charges, payments, interest, and fees since origination. 

Documentation that LVNV Funding LLC is licensed to collect in my state and legally entitled to report this account. 

XXXX of the Date of First Delinquency ( DOFD ) reported to each bureau, as required under FCRA 623 ( a ) ( 5 ).

Until you provide the above, this alleged account remains unvalidated and unverified, and you are to immediately cease reporting it to any credit bureau as required by FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 1 ) ( A ).

Reporting unverifiable or inaccurate data violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

Failing to properly investigate or validate a disputed debt violates FDCPA 809 ( b ). 

XXXX collection or credit reporting without validation constitutes a deceptive practice under FDCPA 807 ( 2 ) ( A ) and 807 ( 8 ).

Re-aging or altering delinquency dates to extend reporting violates FCRA 623 ( a ) ( 5 ) and 1681c ( a ) ( 4 ).

Failure to mark the account in dispute after notice violates FCRA 623 ( a ) ( 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 XXXX XXXX  Date : XX/XX/2XXXX XXXX XXXX  Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
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: Continental Finance Company, LLC
State: IA

Complaint narrative:
I opened a XXXX  credit card in XXXX or XXXX of 2025. When I got the card it would not let me activate due to wrong information. I spoke with a representative and they activated my card and said my information would work now because I activated card. I have tried to pay the balance of XXXX for several months without success because they are saying my social security number is wrong. I am not sure how I could have active without the right one and I told the representative something was wrong. Needless to say they are credit reporting this now as late payments but will not take my payments. They did escalate today because I filed a dispute with credit bureaus but they told credit bureaus all information is correct. They want me now to send a picture of my social security card and I do not feel comfortable. I do have a recording of the call with the representative saying they will escalate this and should have info in XXXX hours

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$23000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TN

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 is chimes numerous times & reporting discrepancies, my financial institution & chime failed to investigate my claims adequately. They informed me recovering my lost funds was impossible and that checking these transactions was unfeasible. The CFPBs findings indicate that Chime not only has neglected to protect its consumers, but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of Accountability & transparency is unacceptable and raise a 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Attempted to negotiate in good faith with XXXX XXXX, XXXX XXXX. I advised the company I would be happy to pay the pro-rated cost of 3 days out of 31 for the contract as they claim I cancelled outside the permitted time frame and that I owed them for the entire month. The number had already been transferred to a new cell phone provider, and I was not paying XXXX for services not rendered. My offer is {$8.00}. Furthermore, the CBE Group is now attempting to collect the debt, and claims I owe {$80.00}, which is false.

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: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes. Despite being a widely used financial platform, Chime has failed to adequately investigate discrepancies I reported. 
On multiple occasions, I experienced unauthorized or disputed transactions and was told that recovering the lost funds was impossible and that tracking these transactions was unfeasible. Instead of providing resolution, Chime then closed my account, leaving me without access to my funds or proper support.The CFPBs findings have already highlighted significant issues with digital banking platforms, and my experience reflects these problems. Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users highly vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I urge the CFPB to take further action to ensure that consumers receive proper protection, fair investigations, and a system that prioritizes security and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account reported by your organization. This collection entry has appeared without any prior notification or communication from your agency informing me of this alleged debt. Additionally, I have substantial concerns regarding whether this claimed obligation is legitimate and accurate. Under the provisions of the Fair Debt Collection Practices Act, I am entitled to receive proper verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish complete validation documentation and take necessary corrective measures to resolve this dispute.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX  for failure to remove fraudulent accounts from my credit report, despite multiple disputes and submission of required documentation. 
I am a victim of identity theft. I submitted : A formal FTC Identity Theft Report A police report documenting the theft Proof of identity and address These documents were provided in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates that credit bureaus must block fraudulent information resulting from identity theft within four business days of receiving proper documentation.

It has now been over 6 months, and the disputed items remain on my credit report. This is a clear violation of federal law and has caused ongoing harm to my creditworthiness and financial stability.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had fallen behind on my credit card due to a work injury. I made a good faith effort to pay my debts and entered into a payment plan with the creditor. The payment plan was a fixed amount of {$35.00} for 3 months starting XX/XX/year>. The last payment was taken on XX/XX/XXXX and on XX/XX/XXXX i was issued a late fee. The company states their system reflects a payment plan for only XXXX months. I offered to forward the payment plan confirmation email and they declined. I also asked for them to waive the XXXX past due fee because my plan ended as of XXXX and i am not late as my XXXX bill of XXXX dollars isnt due until the end of XX/XX/year>. There is a discrepancy and the creditor is refusing to help.

Company response to consumer: Closed with explanation