vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of desputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was imposible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle had not only neglected to protect consumers but had 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 consumers safety.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request to Block and Delete Fraudulent Accounts Identity Theft 15 U.S.C. 1681c-2 Hello, I am writing to exercise my rights under 15 U.S.C. 1681c-2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), to block and permanently delete fraudulent accounts that have been added to my credit file due to identity theft. 
The following accounts were opened without my knowledge, consent, or authorization, and are therefore fraudulent : MoneyLion Account ending in XXXX Opened XX/XX/XXXX XXXX Bank Account ending in XXXX Opened XX/XX/XXXX Bridgecrest Account ending in XXXX Opened XX/XX/XXXX Legal Authority Under 15 U.S.C. 1681c-2 ( a ), a consumer may request that any information appearing on their credit report as a result of identity theft be blocked from reporting. 
Furthermore, 1681c-2 ( c ) requires credit reporting agencies to block and remove the disputed items within four ( 4 ) business days of receiving a valid identity verification and written dispute. 
Supporting Documentation In support of this request, I have enclosed the following : Copy of my government-issued photo ID Copy of my Social Security card Proof of current address ( utility bill, bank statement, or lease ) Please note : The FTC XXXX website is temporarily unavailable due to the current government shutdown. 
However, in accordance with 15 U.S.C. 1681c-2, a police report or FTC affidavit is not legally required when sufficient proof of identity and a written dispute are provided both of which are enclosed with this letter. 
Action Requested I hereby demand that the above-listed accounts be : Immediately blocked from my credit file, and Permanently deleted within four ( 4 ) business days of receipt of this documentation. 

Please provide written confirmation once the deletions have been completed. 
Failure to comply with this lawful request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for noncompliance with FCRA Section 605B. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Bank Of America handling of disputes and wire transfers, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Bank Of America numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Bank Of America 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX Services, XXXX XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
In XX/XX/year>, I financed a {$2100.00} purchase through EasyPay Finance under a XXXX promotional offer. The loan originated on XX/XX/year>, with a stated APR of 149 %. I began making biweekly payments of {$130.00}. 

By XX/XX/year>, I had paid approximately {$1900.00} toward the account. However, when I reviewed the balance, I discovered that only {$120.00} had been applied to the principal while over {$1700.00} had gone toward interest. My current daily interest charge is {$8.00}. 

I contacted EasyPay Finance by email in XX/XX/year> to dispute the excessive interest and request a full accounting of my payments, the actual interest calculation, and clarification of the XXXX promotional terms. The company responded that the XXXX promotion expired on XX/XX/year>, and that interest had been accruing since the first day of the loan. They stated that all charges comply with the contract, refused to adjust the interest, issue a refund, or pause charges, and did not provide any detailed documentation. 

I believe this financing arrangement is predatory and deceptive, as I was not made aware that retroactive interest would be applied from day XXXX if the balance wasnt paid in full within 90 days. The 149 % APR and daily accrual of {$8.00} appear excessive and possibly in violation of XXXX  usury and consumer protection laws. 

I am requesting a full review of this account, a refund or adjustment of the excessive interest charged, and confirmation that my account is reported as in dispute until this matter is resolved.

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

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of the charged-off account listed above on my credit report. This account is appearing on my Experian report and is being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

This account has been the subject of multiple prior disputes, all of which failed to adequately address the issues I raised. I am now putting your agency on formal notice that your failure to correct or delete this inaccurate information constitutes willful noncompliance 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 explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to raise serious concerns about Zelles handling of consumer disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which underscores widespread failures within the platforms dispute resolution system.

As a long-time Zelle user , I have experienced firsthand the challenges of reporting and resolving transaction discrepancies. Despite my timely submission of a claim, both Zelle and my financial institution failed to conduct a thorough investigation. I was informed that the disputed funds could not be recovered and that tracing the transactions was not possible responses that reflect a troubling lack of due diligence.

The CFPBs findings make it clear that Zelle has systematically fallen short in protecting consumers, enabling repeated misconduct by bad actors while leaving users with little to no recourse. This neglect of accountability and consumer protection erodes trust and undermines the integrity of the financial system.

In light of these findings, I respectfully request that my dispute be re-opened and reviewed comprehensively, with full consideration of the CFPBs recent evidence and recommendations. I also urge Zelle to take immediate steps to improve its dispute handling procedures and restore consumer confidence.

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

Complaint narrative:
I am writing this to formally express my concerns regarding zelle 's way of handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times even after dealing with them for several years and reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. I then was informed that recovering my lost funds would be impossible to retrieve & that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle 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 & transparency is unacceptable and raises seriously concerns about consumer safety which is why we sign and agree to these terms in the first place we're supposed to feel safe & protected, we are trusting them with our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Items on My Credit Report Due to Data Breach Dear TransUnion Dispute Department, I am writing to formally dispute certain items on my credit report, which I believe are the result of identity theft connected to the recent TransUnion data breach. I was a victim of this breach, and I have reason to believe that my personal information was compromised and used to fraudulently open accounts in my name.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the following items be immediately investigated and removed from my credit report : 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 Opened XXXX authorized XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX not authorized I did not authorize any of these accounts or transactions. These entries are fraudulent and damaging to my credit. I am exercising my rights under the FCRA to request : An immediate investigation of the fraudulent accounts. 

Deletion of all fraudulent accounts and related inquiries. 

A copy of my updated credit report showing these items have been removed. 

A notice sent to any party that has recently requested my credit report, informing them of the inaccurate information. 

Attached are supporting documents, including : A copy of my government-issued ID ( e.g., drivers license ) A utility bill or document verifying my current address A copy of my credit report with the fraudulent items highlighted [ Optional : Police report or Identity Theft Affidavit from FTC XXXX XXXX XXXXXXXX ] Given the urgent nature of this situation and the severe impact on my financial well-being, I respectfully request that this dispute be resolved within the shortest time frame possible, preferably within 4 days. Please contact me immediately if additional information is needed. 

Sincerely, 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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against FNB OMAHA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
There are several transactions for months that are not me

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Chime Banking handling of disputes. Particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime Banking 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 tracking these transaction was unfeasible. The CFPBs findings indicate that Chime Banking 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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