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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the lack of dispute and protection options available for transactions made through Zelle. Recently, I encountered an issue involving a payment I sent via your platform that I later discovered was unauthorized / fraudulent / sent to the wrong person ( adjust this as needed ). 

When I attempted to report the issue and dispute the transaction, I was informed that Zelle does not provide a formal dispute process or purchase protection. I find this extremely concerning, as customers deserve a way to address fraudulent or mistaken transactionsespecially when funds are sent under misleading or deceptive circumstances. 

I would like Zelle to review this matter and provide clear steps or assistance in recovering my funds, or at the very least, escalate this issue for further investigation. I also request that Zelle consider improving its dispute and fraud protection process to better safeguard users.

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: Nelnet, Inc.
State: TX

Complaint narrative:
To whom it may concern, Please read this letter carfully and take into consideration the facts that I have established. I have spent a significant amount of time building an incredible armory of court cases that I plan to use against you. The incorrect and unauthorized accounts on my credit report has cause alot of mental and emtional stress. My information has been exposed in several data breaches.I dispute the accuracy of the reporting, balances, and status of the student loan account ( XXXX ) listed below as they appear on my credit report dated XX/XX/XXXX. Under the Fair Credit Reporting Act and furnisher responsibilities codified at 15 U.S.C. 1681s-2 ( b ), you have an obligation to investigate any dispute referred to you by a consumer. 
Please provide me with the following documentation for each account within 30 days : 1. A complete payment history and accounting ( original loan amount, dates, interest, fees, payments, adjustments, and current balance calculations ) ; 2. The original promissory note ( s ) or contract ( s ) with my signature ( or other proof of my obligation ) ; 3. Documentation showing chain of ownership/assignment if the loan was sold or transferred ( show each seller/buyer and dates ) ; 4. Records of any deferment, forbearance, discharge or modifications you have applied to the account, with supporting documentation ; 5. Copies of any investigation and documentation that have been provided to your company ( the XXXX  report indicates prior disputes and results ). 

- Account # : XXXX XXXX {$3500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$2000.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$3500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$6600.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$6500.00} Date opened XX/XX/XXXX. 
- Account # : XXXX XXXX {$4500.00} Date opened XX/XX/XXXX. 


If you are unable to provide the requested documentation proving the accuracy of the accounts, please promptly ( a ) correct the reporting to the nationwide consumer reporting agencies, and ( b ) notify them to remove or update the records so my credit report reflects accurate information. 

If you believe these accounts are valid but that I am not the correct obligor, please provide evidence of assignment and authentication.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am filing this formal consumer complaint against LexisNexis for its continued failure to comply with federal law and correct inaccurate reporting in my consumer file. I have been disputing this issue since XXXX, and LexisNexiss inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and applicable CFPB/FTC regulations XXXX 

NATURE OF DISCREPANCY The problem concerns discrepancies between the bankruptcy information LexisNexis reports and the official PACER record. Key data points such as case number, filing date, court, status/disposition, and identifying details do not match the PACER record. I have repeatedly provided PACER evidence since XXXX demonstrating these discrepancies. Under 15 U.S.C. 1681i ( a ), LexisNexis must either correct each inaccurate item so that its report exactly matches the official record or delete the bankruptcy entry entirely if it can not verify the information. 

IMPROPER HANDLING OF MY CORRESPONDENCE On XX/XX/XXXX, I mailed a certified dispute letter to the address LexisNexis uses in its own correspondence : XXXX XXXX XXXX XXXX XXXX  XXXX. That certified letter was returned marked box closed. This demonstrates a failure to maintain a working, reliable channel for consumer disputes as required under 1681i ( a ) ( 1 ) ( A ). 

FAILURE OF ACCESS AND TRANSPARENCY LexisNexis has repeatedly sent me correspondence with non-working passwords to access my file. 
This effectively denies my right to review my consumer file under 1681g and violates CFPB guidance on consumer access.

VIOLATIONS FCRA 1681i Failure to conduct a reasonable reinvestigation.

FCRA 1681g Failure to provide proper file disclosure/access.

FCRA 1681e ( b ) Failure to assure maximum possible accuracy.

Regulation V ( 12 C.F.R. 1022.43 ) Failure to comply with dispute investigation procedures. 

DEMAND FOR IMMEDIATE ACTION 1 ) Conduct a full reinvestigation using the official PACER record as the controlling source.

2 ) Provide written proof of findings and identify the furnishers/sources relied upon.

3 ) If LexisNexis can not verify and correct each discrepancy with precision, delete the bankruptcy entry entirely under 1681i ( a ) ( 5 ). 
4 ) Provide me with working access credentials to review my full consumer file.

NOTICE OF ESCALATION Absent prompt compliance, I request that your office intervene and enforce compliance. LexisNexis has delayed and obstructed my rights for over two years. LexisNexis must correct the discrepancies immediately or remove the bankruptcy entry from my file. 

P.S I am not able to upload the most recent evidence. Please provide me with an alternate way to send evidence. Thanks

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: EQUIFAX, 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 Equifax 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 response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
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 WFBNA CARD 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. WFBNA CARD 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: 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: GA

Complaint narrative:
Re : Identity Theft Request to Block Fraudulent Account and Inquiries under FCRA 605B To whom it may concern : I am the XXXX XXXX XXXX XXXX. My XXXX  credit file contains a fraudulent account and multiple unauthorized hard inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I request that XXXX  block the following items from my file within four ( 4 ) business days and notify all furnishers and other consumer reporting agencies of this block.

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 — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I called the phone number provided : XXXX. 
I only connected with an automated service. 
I also replied that I NEVER authorized an initial investment of {$300.00}, and requested that my money be returned to me. 
I was hacked by someone with a foreign accent, and the writing when the person on the ORIGINAL phone call - ( which has since been disconnected ) had RUSSIAN writing.

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: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$240.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00}

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$240.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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

Complaint narrative:
These inquiries are unauthorized so I am kindly requesting for an investigation about this along with the documents I've attached.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2025-10-07 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:
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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding several inaccurate and unauthorized entries on my credit report that have caused significant harm to my financial standing and opportunities. I have always maintained my financial responsibilities diligently, yet my TransUnion report contains multiple accounts and inquiries that are either incorrect, unverified, or entirely unknown to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high credit of {$3300.00}, is reported with late payments that I have never made. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$240.00}, also inaccurately reports late payments that do not exist. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a high credit of {$20000.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a high credit of {$25000.00}, are both listed as charge-offs that I have no knowledge of and did not authorize. 

Additionally, several hard inquiries were made on my credit file without my consent, including XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. These inquiries were unauthorized and negatively impact my creditworthiness. 

The reporting of false late payments, unverified charge-offs, and unauthorized inquiries violates my rights under the Fair Credit Reporting Act. Each of these inaccuracies misrepresents my financial behavior and has caused me undue stress, potential denial of credit, and harm to my reputation. I request CFPB to intervene and ensure that these incorrect, unverifiable, and unauthorized entries are investigated, corrected, or removed promptly. I am providing all necessary documentation, including copies of my credit report, identification, and proof of address, to assist with the investigation. 

This complaint is submitted to protect my rights and to demand immediate correction of these violations. The continued presence of these inaccurate and unauthorized items on my credit file represents a serious and ongoing injustice that must be rectified without delay.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

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

This is a formal complaint against USAA FEDERAL SAVINGS BANK 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.

USAA FEDERAL SAVINGS B 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation