vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WI

Complaint narrative:
several unauthorized transactions on their bank account, totaling over {$2000.00}. The charges appear to originate from a location the customer has never visited. Immediately, the customer contacts their bank to report the issue and request that a dispute be filed to reverse the charges and investigate potential fraud. 

Despite multiple calls and written complaints, the bank fails to initiate a dispute process in a timely manner. Customer service representatives give conflicting information, and promises to escalate the issue or return calls are repeatedly broken. Weeks pass, and the disputed funds remain unaddressed in the customers account history. 

During this time, the banks online dispute system is either non-functional or inaccessible, and in-branch staff are unable to assist due to internal policy restrictions. The customer is left with no resolution, minimal communication, and a growing sense of frustration. 

The banks failure to act not only delays potential reimbursement but also puts the customer at further financial risk. The lack of responsiveness, failure to follow standard dispute procedures, and poor communication reflect a breakdown in both financial service and customer support obligations.

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: IA

Complaint narrative:
I checked the latest Copy of my credit report and noticed some infractions on my reports. These items do not belong to me therefor I am requesting immediate deletion

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: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX writing to formally express concerns regarding Zelle 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 in Zelle fail to investigate my claim adequately. They inform me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The XXXX  finding 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. The lack of accountability and 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: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER CARD Account XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Proof of Late Payment Removal of Inaccurate Charge-Off Dear Sir or Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am formally notifying you that I am disputing the information you have furnished to the credit reporting agencies regarding account number XXXXXXXX XXXX XXXX XXXX XXXX  which has been reported as charged-off. 

Reason for the Dispute : According to 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late, nor apply any related consequences ( such as negative reporting ), unless : XXXX. A periodic statement was sent to me ; XXXX. That statement included the information required under 1637 ( b ) ; XXXX. It was sent or delivered ; and XXXX. At least XXXX  days prior to the payment due date. 

Accordingly, I demand verifiable proof that you complied with each and every XXXX of these legal requirements before reporting any payment as late and, therefore, before classifying the account as charged-off. 

Furthermore, under 15 U.S.C. 1681s2 ( a ) ( 7 ), if you reported negative information ( such as late payments ), you were required to notify me in writing within XXXX  days of making such a report. I likewise demand a certified copy of that notice. 

Without such proof, the reporting of my account as charged-off lacks any legal basis and constitutes a direct violation of federal law. This information is inaccurate, misleading, and harmful, and must be removed from all reports to credit agencies immediately. 

I demand that you : XXXX. Provide written documentary evidence supporting the legality of the late payment report ( including account statements, mailing dates, and proof of delivery ) ; XXXX. Immediately remove any reference to the charge-off if you can not legally substantiate the origin of the delinquency. 

Notify me in writing within the legal XXXX period in accordance with 15 U.S.C. 1681i ( a ).

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, 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 XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX 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 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the credit reporting agencies and/or furnishers have failed to properly investigate, correct, or provide verification for inaccurate information that remains on my credit report, despite my repeated good faith attempts to resolve the matter directly. 
Over the past several months, I have submitted multiple written disputes and good-faith letters identifying specific errors on my credit report. I have also provided copies of my identification, proof of address, and any supporting documentation requested to verify my identity. Despite this, the disputed items have not been corrected or removed, and I have not received adequate proof of any reinvestigation or verification of accuracy as required by law. 
This continued inaction has negatively affected my credit score and hindered my ability to access basic means of life, including housing, transportation, and financial services. 
Details of My Disputes I sent multiple letters confirming my identity and outlining errors on my report. The agencies acknowledged receipt but failed to provide investigation results or proof of verification. The disputed accounts/inquiries remain with no documentation supporting their validity. I have requested written verification and documentation under the Fair Credit Reporting Act ( FCRA ), but this has not been provided. Violations The actions ( or lack thereof ) of the credit reporting agency and/or furnisher appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or modify information found to be inaccurate or unverifiable. 15 U.S.C. 1681g ( a ) Failure to disclose all information in the consumers file upon request. 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information and report results to the credit bureau . 15 U.S.C. 1681c Reporting of outdated, incomplete, or inaccurate information. 
By ignoring my disputes and failing to provide verification, these parties have demonstrated noncompliance with their statutory obligations.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because the credit reporting agencies and/or furnishers have failed to properly investigate, correct, or provide verification for inaccurate information that remains on my credit report, despite my repeated good faith attempts to resolve the matter directly. 
Over the past several months, I have submitted multiple written disputes and good-faith letters identifying specific errors on my credit report. I have also provided copies of my identification, proof of address, and any supporting documentation requested to verify my identity. Despite this, the disputed items have not been corrected or removed, and I have not received adequate proof of any reinvestigation or verification of accuracy as required by law. 
This continued inaction has negatively affected my credit score and hindered my ability to access basic means of life, including housing, transportation, and financial services. 
Details of My Disputes I sent multiple letters confirming my identity and outlining errors on my report. The agencies acknowledged receipt but failed to provide investigation results or proof of verification. The disputed accounts/inquiries remain with no documentation supporting their validity. I have requested written verification and documentation under the Fair Credit Reporting Act ( FCRA ), but this has not been provided. Violations The actions ( or lack thereof ) of the credit reporting agency and/or furnisher appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or modify information found to be inaccurate or unverifiable. 15 U.S.C. 1681g ( a ) Failure to disclose all information in the consumers file upon request. 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information and report results to the credit bureau . 15 U.S.C. 1681c Reporting of outdated, incomplete, or inaccurate information. 
By ignoring my disputes and failing to provide verification, these parties have demonstrated noncompliance with their statutory obligations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute XXXX hard credit inquiries on my TransUnion credit report, which I believe are unauthorized, inaccurate, and possibly the result of identity theft. I request that these inquiries be investigated and removed. XXXX XX/XX/year> I did not authorize, apply for any credit or service with this entity ; this inquiry was not initiated by me. XXXX XXXX XX/XX/year> I did not request any credit or loan via XXXX XXXX XXXX XXXX that would have authorized this hard inquiry. Because of the recent TransUnion data breach and the exposure of personal identifiers ( XXXX, name, XXXX ), I am particularly concerned that unauthorized actors may have used my identity to trigger these inquiries and potentially unauthorized credit requests.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am reporting an unauthorized hard inquiry from XXXX XXXX XXXX XXXX that appeared on my TransUnion credit report dated XX/XX/year>. I did not apply for any credit with this company and request that the inquiry be removed 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or 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 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
This company ( XXXX XXXX XXXX ) is charging for a cancelled gym membership. The amount that the gym states is owed is far less than what this company is trying to charge. This is grossly negligent on their part I guess they were assuming I wouldnt check to verify the amount. While I am filing a complaint here I will also be filling a complaint with the FTC as well as the XXXX. For these unlawful practices.

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: TX

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

1681c2 ) that you, the TransUnion 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 : SYNCB/LOWES Date : XX/XX/year> ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5500.00} 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: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bear Claw Lending dba Lucent Cash
State: CA

Complaint narrative:
XXXX XXXX has contacted my employer twice now with a fictitious wage garnishment order. I have not been sued and no order was ever issued yet they emailed my HR department twice with the same letter demanding they start the garnishment. Further, their letter indicates that I agreed to the wage garnishment order which has never happened. 

I have no record of this debt and they keep calling my personal business line as well, leave no messages and when I answer, they say nothing.

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: TX

Complaint narrative:
b"Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$24000.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6900.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6300.00}

Company response to consumer: Closed with non-monetary relief