vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was sent XXXX payments {$75.00} and {$500.00}, money was never received Zelle XXXX XXXX XXXX while I was on the phone XXXX XXXX would not help. XXXX XXXX says Zelle is responsible I just want the money sent to me. This is XXXX XXXX answer Company 's Response What you need to know Zelle XXXX process transactions based on token information provided when the transaction is initiated, and it is validated after the transfer is sent to the recipient listed in the transfer instructions. It is vital for the intended recipient to verify the accuracy of token information to ensure they receive the funds requested. After a payment is processed, we're unable to stop or reverse the funds. XXXX XXXX is unable to guarantee the delivery or quality of any products or services associated with a Zelle payment. Please work with Zelle or the third party client directly for further assistance with your issue. Additional information Per Online Access Agreement that must be reviewed and agreed upon to use the Zelle service, you understand and agree that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you, to submit money transfer instructions on your behalf. You understand that financial institutions receiving the money transfer instructions XXXX rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You agree to accept full responsibility for losses resulting from any of your errors, duplication, ambiguities, or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information. You XXXX access and review the full Zelle Transfer Service Addendum online anytime at XXXX XXXX XXXX Service apology Your comments are very important to us. You deserve a quality financial relationship and excellent service. Each experience we share with a customer is an opportunity to demonstrate our commitment. We're sorry for any service concerns you XXXX have experienced when you attempted to resolve this matter. We strive to provide exceptional service, and it's disappointing to learn we didn't meet this expectation. We're constantly reviewing and revising our practices and procedures to improve the customer 's experience, and we appreciate any input that helps us do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
My recent interactions with Gurstel Law Firm concerning an alleged debt {$4500.00} Today, I received a letter from Gurstel Law firm stating the correct balance I owe, which is {$2400.00}. The letter also clearly stated that if I needed alternative arrangements or wished to make a payment or propose an offer, I could contact their office and that they would be happy to work with me. 

However, when I previously contacted their office via email, I was told that they would only settle for {$3900.00} and that I owe more on the balance. During that communication, your representative was unwilling to discuss alternative arrangements or accept a reasonable settlement. 

Following this, I called the agency ( Gurstel Law firm ) and spoke with XXXX XXXX. I explained my situation and referenced the letter I received, which I had also attached to my previous email. XXXX XXXX was extremely rude, refused to consider my settlement offer, and abruptly ended the call after only entering a dispute. 

This behavior is unacceptable. Their firm is attempting to collect an amount greater than what is actually owed, which could constitute misrepresentation or fraudulent activity. I am requesting that this matter be corrected immediately, that communications be conducted professionally and respectfully, and that any future attempts to collect the incorrect balance cease. 

I have documentation of all emails, the letter, and my phone conversation. I request written confirmation of the correct balance and acknowledgment of my settlement proposal along with information that includes The written offer should clearly include the following : XXXX. The current total balance owed. 


XXXX. The agreed settlement amount XXXX. A statement confirming that payment of the agreed settlement amount will satisfy the debt in full and that no remaining balance will be pursued, sold, or transferred. 


XXXX. Confirmation that the account will be reported to all credit bureaus as paid in full or settled in full. 


XXXX. The date by which payment must be received to satisfy the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Year XXXX late fee an over draft then in 2015 I closed the wellsfargo now it back open 2024- to present

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'My name is XXXX XXXX, and I am submitting this formal dispute regarding the XXXX XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX, due to multiple inconsistencies and errors in the information reported to the credit bureaus (Experian, TransUnion, and Equifax).\n\nI have attempted to dispute this account directly with the credit bureaus, but the errors persist. Therefore, I am requesting formal intervention and immediate correction.\n\nDetected Errors:\nAccount status vs. late payments: On TransUnion, the late payment fields (30/60/90 days) show 0 late payments, while the account status is reported as Collection / Charge-Off. A charge-off cannot exist without late payments, which constitutes a clear contradiction.\n\nBalance and available credit: On Equifax, the account shows a balance of XXXX with negative available credit (XXXX). Experian and TransUnion report the balance inconsistently. This reflects an inaccurate account report.\n\nClosing date / last payment: On TransUnion, the last payment is reported as XXXX XXXX and a closing date is indicated, whereas Experian and Equifax do not report a closing date. The inconsistency between bureaus constitutes inaccurate information under the FCRA.\n\nLegal Basis:\nFCRA 607(b) (15 U.S.C. 1681e(b)): Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the information included in consumer reports.\n\nFCRA 611(a)(1) (15 U.S.C. 1681i(a)(1)): Right to dispute inaccurate information and to request a documented investigation.\n\nThese inconsistencies are clear violations of the law and constitute inaccurate, contradictory, and unverifiable information. I request that the relevant credit bureau:\n\nConduct a complete and documented investigation of the XXXX  account XXXX XXXX XXXX XXXX\n\nImmediately delete any information that cannot be verified with objective evidence.\n\nProvide written confirmation of the investigation results and actions taken to correct these inaccuracies.\n\nAttachments: Copies of Experian, TransUnion, and Equifax reports showing the inconsistencies mentioned.\n\nThank you,\n\XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'My name is XXXX XXXX, and I am submitting this formal dispute regarding the XXXX XXXX XXXX XXXX account, number XXXX XXXX XXXX XXXX, due to multiple inconsistencies and errors in the information reported to the credit bureaus (Experian, TransUnion, and Equifax).\n\nI have attempted to dispute this account directly with the credit bureaus, but the errors persist. Therefore, I am requesting formal intervention and immediate correction.\n\nDetected Errors:\nAccount status vs. late payments: On TransUnion, the late payment fields (30/60/90 days) show 0 late payments, while the account status is reported as Collection / Charge-Off. A charge-off cannot exist without late payments, which constitutes a clear contradiction.\n\nBalance and available credit: On Equifax, the account shows a balance of XXXX with negative available credit (XXXX). Experian and TransUnion report the balance inconsistently. This reflects an inaccurate account report.\n\nClosing date / last payment: On TransUnion, the last payment is reported as XXXX XXXX and a closing date is indicated, whereas Experian and Equifax do not report a closing date. The inconsistency between bureaus constitutes inaccurate information under the FCRA.\n\nLegal Basis:\nFCRA 607(b) (15 U.S.C. 1681e(b)): Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the information included in consumer reports.\n\nFCRA 611(a)(1) (15 U.S.C. 1681i(a)(1)): Right to dispute inaccurate information and to request a documented investigation.\n\nThese inconsistencies are clear violations of the law and constitute inaccurate, contradictory, and unverifiable information. I request that the relevant credit bureau:\n\nConduct a complete and documented investigation of the XXXX  account XXXX XXXX XXXX XXXX\n\nImmediately delete any information that cannot be verified with objective evidence.\n\nProvide written confirmation of the investigation results and actions taken to correct these inaccuracies.\n\nAttachments: Copies of Experian, TransUnion, and Equifax reports showing the inconsistencies mentioned.\n\nThank you,\n\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 non-monetary relief
Consumer complaint received 2025-10-16 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. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-10-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-10-16 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-16 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under federal law.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
USAA XXXX XXXX offers a XXXX APR balance transfer offers. If accepted, any new charges on the card will be charged interest at their standard APR. However any payment that is applied is applied to any fees or interest first, then split ( which is not clear ) amongst the balance transfer amount and any new charges at what appears to be an undisclosed percentage. Meaning that if you do a balance transfer, plus incur new charges, however make a payment that will exceed any new charges, the company will split the applied payment between the balance transfer and the new charges, resulting in an inability to not be charged interest on new purchases until the balance transfer amount is XXXX percent satisfied.

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 2025-10-16 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:
Pursuant to FCRA 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) and Reg V 1022.42, this letter demands an independent reinvestigation of the XXXX XXXX account on my Experian file. As confirmed in XXXX v. XXXX XXXX XXXX XXXX XXXX ), you XXXX not parrot a furnishers automated responses. 
Disputed Account Details Account Type : Installment / Collection ( contradictory ) Account Status : Open while reported as Collection / Charge-off Past Due Amount : {$190.00} on a collection ( triggers XXXX Field XXXX error ) Date of First Delinquency : missing ( Field XXXX breach ) Date of Account Information : conflicts with other bureaus ( Field XXXX breach ) These entries constitute false and misleading reporting in violation of 607 ( b ) and 611.

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 2025-10-16 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: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully dispute the reporting of items tied to accounts I never created. Please perform a complete audit and expunge them. Relevant evidence accompanies this submission.

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