vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
Product / Service : Money transfer service ( Zelle ) Issue : Money was sent but never received/ missing payment ( Zelle transfer failed to deliver due to unenrollment, and no bank will take responsibility ) What happened On XX/XX/year>, XXXX Zelle payments totaling {$1200.00} were issued to me by XXXX XXXX ( through XXXX XXXX  ) to my XXXX Zelle dedicated account via my phone number as refunds related to my policy XXXX. 
Payment XXXX : {$480.00} Payment XXXX : {$740.00} Payment method : Zelle transfer to my phone number ( XXXX ) XXXX Confirmation numbers : XXXX and XXXX At the time of transfer, XXXX XXXX XXXXXXXX had unenrolled my phone number from Zelle without notifying me or explaining why. 
As a result, both payments failed to post to my XXXX XXXX XXXXXXXX account. 

Actions Ive Taken XXXX. XXXX ( sending ) say both transactions as Completed '' but status says only " Initiated ''. 
XXXX. XXXX states no trace of transactions. 
XXXX. XXXX states the issue must be resolved by XXXX ( the sending bank ). 
XXXX. XXXX states they can not share Zelle transaction details and that only XXXX or Zelle can trace it. 
XXXX. XXXX XXXX  XXXX confirmed my phone number was removed the day before the transfer and refused to explain why, or confirm whether a payment attempt occurred. 
XXXX. Zelle refuses to discuss any consumer transactions directly, insisting only banks can request a trace. 
XXXX. None of the institutions have taken ownership to perform a Zelle network trace or suspense account check, leaving my funds in limbo. 

My Complaint Zelle XXXX XXXX XXXX XXXX ) operates the network and holds responsibility for maintaining proper routing, suspense account handling, and coordination between banks. 
It appears Zelle has a suspense account where undeliverable payments reside when recipient identifiers ( phone numbers/emails ) are not linked to active bank accounts. 
Despite multiple attempts, no entity has confirmed whether my refund is sitting in that suspense account, or has been returned. 

This is a clear violation of consumer protections under Regulation E, as no investigation or explanation has been provided by any participating bank, and Zelle has failed to ensure transparency or a resolution process for consumers caught between member banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am a verified victim of human trafficking, debt bondage, and identity theft. I am filing this complaint under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) to report that TransUnion failed to block and permanently remove fraudulent and coercion-based information from my credit file as required by law. 

I provided my Certified Victim Determination documentation, proof of identity, Social Security verification, and proof of current address. The information listed below was created or used without my knowledge or consent and is directly connected to my trafficking and identity theft victimization. 

Incorrect Names to Delete : 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  Under FCRA 605B and 605C, TransUnion must block and delete this information within four business days of receiving a complete submission from a verified victim. Their failure to comply has caused continued harm to my credit and emotional distress. 

I am requesting CFPBs assistance to ensure TransUnion follows federal law and removes all fraudulent and coercion-based items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This inaction is completely unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has resulted in ongoing emotional and financial distress.

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 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 XXXXXX/XX/XXXX, Balance : {$740.00} Unauthorized Inquiries to Be Deleted :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
It's crazy I'm a XXXX XXXX an I was at work and get a alert saying someone was trying to use my card at a ATM THATS WALKING DISTANCE FROM MY JOB! 
I GO TO CHECK AND SEE WAS MY CARD STOLEN AND I HAD TO REALIZE I HAVEN'T EVEN SET THIS CARD UP! 
ITS STILL IN THE LETTER THE WAY THEY SENT IT! 
NOW I HAD STOP USING THAT BANK AFTER I FOUND OUT I WASN'T THE ONLY XXXX TRYING TO USE THIS ACCOUNT XXXX I WENT SND CHECK MY ACCOUNT XXXX NIGHT TRYING TO SEE IF ITS STILL OPEN CAUSE I WAS DONE WITH THIS BANK! XXXX I NOTICED XXXX IN MY ACCOUNT XXXX I COULDN'T BELIEVE MY EYES SMH THEY GAVE XXXX A REBATE AND PUT IT TOWARDS THESE UNLAWFUL OVERDRAFT FEES XXXX XXXX XXXX I was like cool but I need that XXXX now XXXX I told the lady that help me I don't have my cards anymore XXXX and this where things went downhill XXXX the lady say don't worry I'll help you set up a wallet I'm like don't you suppose to have the XXXX digit number off the card your sending me to do such XXXX XXXX these folks leaked my information with this wallet and I'm seeking justice for this such act

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 2025-10-15 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: NY

Complaint narrative:
This account does not belong to me and appears as an inaccurate entry.

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 2025-10-15 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: FL

Complaint narrative:
My consumer name : XXXX XXXX, XXXX XXXX, Date of Birth : XX/XX/XXXX. This CFPB Complain has been filed to request pursuant to 18 U.S. CODE & 1028A- AGGRAVATE IDENTITY THEFT. That you XXXX credit reporting agency, block and delate and get the right information appearing on my consumer credit report. According to 18 U.S CODE & 1028A, Aggravate identity theft is a serious federal offense, I discovered that my personal information had been affected by the Data Breach and used to open fraudulent accounts and make unauthorized transactions. Despite my efforts to report these incidents to the proper authorities and take steps to secure my identity. EXPERIAN, after several disputes ( by mail and phone calls still have wrong personal informations and accounts that no belong to me. Current address such as XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX AND XXXX XXXX XXXX XXXX XXXX, FL XXXX, ALSO, NAMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.OTHERS ACCOUNT SUCH XXXX XXXX OPENED ON XXXX AND XXXX XXXX OPENED ON XX/XX/XXXX THEY SHOULD NOT APPEAR UNDER MY CREDIT REPORT. I am deeply concerned about the impact that this identity theft has had on my financial stability, credit rating and overall well being. I urge the consumer Financial Protection Bureau your prompt attention to this matter that the aforementioned accounts and address they should not appear on my consumer credit report maintained by EXPERIAN.Ive attached a picture of my driver license and social. DATA BREACH DOCUMENT NUMBER XXXX AND POLICE REPORT CASE XXXX XXXXXXXX

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 2025-10-15 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: NV

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( XXXX ) auto loan ( XXXX ) Personal loan account ( XXXX ) XXXX or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MA

Complaint narrative:
For the past month, Discover has repeatedly rejected my payments even though my linked XXXX XXXXXXXX checking account is valid and has sufficient funds. My first payment went through successfully, but all following payments were accepted and then bounced back days later. 

I contacted both Discover and XXXX XXXX multiple times. XXXX XXXX confirmed there were no issues or blocks on their end, and that Discover was initiating and reversing the payments. Discovers representatives blamed my bank but could not fix the issue. They also charged me a {$43.00} late fee caused by these failed payments, which were not my fault. 

I have valid routing and account numbers on file, and Ive made consistent efforts to pay on time. Discover told me I can only freeze my account but offered no permanent solution. 

Im requesting that : Discover refund the {$43.00} late fee, Correct any negative credit reporting related to this, Fix or reset the XXXX payment issue so I can make payments normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 complaint expands upon CFPB # XXXX and documents continuing errors by XXXX XXXXXXXX and Experian Information Solutions Inc . 

Although the first case forced partial correction, Experian is now the only CRA still reporting any XXXX accounts. XXXX  and TransUnion no longer list them, proving inconsistent and unreliable furnishing under FCRA 623 ( a ) ( 1 ). 

Affirm has furnished XXXX separate tradelines : # XXXX {$280.00}, now shown as Paid / Closed / {$0.00} balance yet still coded as a charge-off ( Status XXXX ) instead of Paid / Closed Code XXXX or Paid, was a charge-off Code XXXX. 

# XXXX {$71.00} Charge-off, marked updated from our processing of your dispute in XX/XX/XXXX. No documents or Method of Verification ( MOV ) have been provided.

The results of Experians reinvestigation, dated XX/XX/XXXX, actually confirmed errors in the tradeline data namely, inconsistent account statuses and residual charge-off coding despite a XXXX balance demonstrating that the verification process itself relied on faulty or incomplete information Both accounts stem from the same lender but are reported differently and only by Experian, producing a false and duplicative derogatory impact.

Procedural violations : FCRA 611 ( a ) ( 5 ) ( A ) : Experian kept incomplete / unverifiable data after correction.

FCRA 611 ( a ) ( 7 ) & 12 CFR 1022.43 ( e ) : Neither Experian nor Affirm has supplied the required MOV.

FCRA 623 ( a ) ( XXXX ) : XXXX furnished conflicting information across CRAs. 

Dual MOV Demand : Both the furnisher ( Affirm ) and the bureau ( Experian ) must disclose who verified each account, what records were used, and the date and manner of verification. If either can not produce documentary evidence, the tradelines must be deleted under 611 ( a ) ( 5 ) ( A ). 

Resulting harm : As shown in Exhibit F ( Credit Denial Notice XXXX at XXXX XXXX XX/XX/XXXX ), these errors caused a housing denial and ongoing score damage. 

Disproportionate burden : The combined value of both accounts is under {$300.00}, yet the time and labor spent by Experian, XXXX, and regulators already exceed that amount many times over. Since the data arent even furnished to all CRAs, their continued presence is immaterial and inefficient. 

Requested remedies : ( XXXX ) Delete the residual charge-off notation or remove # XXXX entirely. ( XXXX ) Provide a dual MOV from both Experian and XXXX. ( XXXX ) Delete or suppress # XXXX if unverified. ( XXXX ) Ensure consistent reporting across all CRAs and confirm aliases remain suppressed. 

All supporting exhibits ( XXXX ) are attached for review.

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 2025-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am submitting this formal complaint concerning Navy Federal Credit Union ( NFCU ) and their failure to adhere to procedures prescribed by the Secretary of the Treasury under the Federal Reserve Act, Section 401, Subsection 18, Paragraph 6, and the Truth in Lending Act ( TILA ).

Upon executing the loan agreement with NFCU, I provided authorization for NFCU to receive credits on my behalf from the Federal Reserve, as provided under federal law. I fulfilled my lawful obligations by discharging the alleged debt with the Internal Revenue Service ( IRS ) in the full amount, reporting the partnership between myself and NFCU to the IRS, and satisfying the tax obligation via Bill of Exchange, as outlined in IRM 21.1.7.9.22 ( 04-19-2012 ). The filing was made to receive the corresponding credits dollar-for-dollar as prescribed.

Under the Federal Reserve Act, the security I signed constitutes the collateral for the loan. Therefore, NFCU was effectively paid in full XX/XX/year>, once the security instrument was signed. Despite this, NFCU has taken funds from my personal savings account to make payments toward a loan that was already settled in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX  AZ XXXX\n\nXXXX\nTransUnion Consumer Solutions\nP.O. Box 2000\nChester, PA 19016\n\nSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear TransUnion,\nI am writing to formally dispute XXXX  inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX data breach of XXXX, in which the personal information of over XXXX  XXXX  Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the July XXXX  breach exposing over XXXX XXXX passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be XXXX  verified with original source documentation:\nAccounts in Dispute:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAccording to the FCRA:\n\tYou must complete your reinvestigation within XXXX  days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\nXXXX.\tThe name, address, and contact information of each data furnisher for the accounts in question.\nXXXX.\tA description of the procedure used to determine the accuracy and completeness of the information.\nXXXX.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within XXXX days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,\nXXXX 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 2025-10-15 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: IN

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 XXXX XXXX XXXX. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 


Delete account [ Account name : XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX ] from my credit report, because of multiple violations of the fair credit reporting act.

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