vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX, XXXX XXXX XXXX XXXX, XXXX ( debt collector for BMW Financial ). On or about XX/XX/XXXX, I received a notice from this debt collector. They were trying to collect a debt they allege I owe to BMW Financial Services NA LLC in the amount of {$35000.00}. I sent a written response validation/dispute letter ( by certified mail ) on XX/XX/XXXX to this debt collector requesting a full validation of this debt. This written response was stated to them that this debt was not mine. 

BMW Financial Services NA LLC erroneously claimed I have a XXXX XXXX XXXX XXXX  with them. I have no knowledge of or connection to this account. It appears that this debt is fraudulent/ the result of identity theft. I never opened, signed for, authorized, or benefitted from any such loan or contract, and I am not responsible. 

I previously disputed this account directly with BMW Financial services. I submitted an Identity Theft Victim Information form to BMW Financial Services along with supporting documentation such as identity theft affidavit and police report. I submitted these forms on or around XX/XX/XXXX. Despite my document submission, BMW Financial is insisting that this debt is valid. I strongly disagree with their conclusion and believe their investigation was incomplete. This complaint seeks CFPB review of BMW 's handling of my prior dispute and XXXX 's current collection activity on a fraudulent account. 

To date, this debt collector has not provided any validation or documentation proving that this account belongs to me. Because this alleged debt is fraudulent and collection has continued without validation, their actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am filing this complaint to document that I am a victim of identity theft, and that this firm is attempting to collect on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am writing formally express my concerns with Zelles handling of disputes, particularly in light of the recipient CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my Finacial 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 CFPBsXXXX 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 2025-10-08 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-08 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have received an email from XXXX  about an incoming payment. It asked me to claim the payment in the email. After doing what was asked, it said my account had already been verified. The funds are not available in my account and I have been unsuccessful in contacting anyone to assist. I have tried calling and emailing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO 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. WELLS FARGO 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing multiple accounts that have been inaccurately reported, reinserted after deletion, or reported without verification, in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have harmed my credit score and financial standing. 

Accounts in Dispute XXXX XXXX XXXX XXXX ( Collection ) Previously deleted, reinserted without notice or verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX XXXX XXXX ( Collection ) I have no knowledge of this account ; reporting continues without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXXXXXX XXXX [ Insert Partial ] ( Credit Card ) Previously deleted, later reinserted with negative information including late payments, without verification. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account shows past due amounts despite being paid and closed in XX/XX/year>. 

Violations : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ) ( 1 ) ( A ) ( E ), 623 ( b ) ( 1 ) ( E ), 616617 These accounts were previously disputed directly and/or through credit bureaus, yet negative information continues or has been reinserted without compliance. This demonstrates willful or negligent FCRA violations.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-08 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: TX

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Details of Incident : I explained to Ally Bank that this was clearly an unauthorized transaction, and I was unable to contact the merchant because the phone number the merchant provided XXXX was invalid. 
Ally canceled my debit card to prevent further fraudulent activity but informed me that nothing else could be done until the charge posted. 
On XX/XX/year>, the charge posted to my account. I called Ally again and was told that they could only file a fraud/unauthorized charge complaint at that time. 
I was informed that the investigation would take about XXXX days and that I could not directly contact the specific department handling fraud resolution. Instead, I would have to wait for them to either call me or send me mail. 
I was also told that this department determines whether provisional credit ( temporary funds returned to my account ) can be issued while the investigation is ongoing. 
To date, I have not received any communication from XXXX fraud department. The only item received by mail was my new debit card. 

XXXX XXXX : I have been left without access to {$2300.00} of my funds due to this fraudulent charge. 
Ally Bank has provided no updates or transparency on the status of their investigation. 
The lack of communication has caused significant stress and financial hardship. 
I specifically noted to Ally that the merchant ( XXXX ) has numerous complaints listed on the XXXX website and is not registered with the XXXX, further confirming that this was a fraudulent charge.

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 2025-10-08 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: CA

Complaint narrative:
Upon reviewing my Equifax credit report, I was alarmed to find several accounts listed that are either inaccurately reported, potentially duplicated, or misleadingly represented. The accounts in question include : XXXX - XXXX * * * * - XX/XX/XXXX - {$2900.00} XXXX - XXXX * * * * - XX/XX/XXXX - {$5000.00} MIDLANDCRE - XXXX * * * * - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXXXXXX * * * * - XX/XX/XXXX - {$1500.00} ( Charge-off ) The XXXX XXXX accounts appear to overlap in dates and balances, which creates the impression that I owe more than I truly do. This duplicative and misleading reporting misrepresents my financial history and unfairly harms my credit profile. Equifax has a legal obligation under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act to ensure that consumer credit reports are maintained with maximum possible accuracy. Reporting the same or overlapping debt as separate collections violates this requirement. 

Furthermore, the XXXX account is being reported as a charge-off with a balance of {$1500.00} from XXXX. I have not received verifiable documentation confirming this charge-off or its accuracy. A charge-off by definition should accurately reflect an unpaid obligation, yet the age and status of this account raise serious questions about its correctness. 

Under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any disputed information. A proper reinvestigation requires that Equifax obtain original account-level documentation, such as billing statements or official notices from the creditors, to validate the debts and their balances. Without such documentation, these accounts should not remain on my credit report. 

The impact of these inaccuracies is substantial. My creditworthiness is being unfairly reduced, which affects my ability to secure loans, favorable credit terms, and even housing opportunities. Each inaccurate or duplicative entry adds unnecessary stress and financial uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
y vehicle was repossessed without timely notice. I did not receive any documentation for XXXX days after the repossession occurred, which violates Californias XXXX notification requirement. The repossession was carried out by XXXX XXXX XXXX XXXX on behalf of BMW Financial Services NA , LLC. 
I have been a loyal BMW customer since 1998 and have leased XXXX new BMW vehicles through BMW Financial Services. Despite this longstanding relationship, I was offered only a XXXX reinstatement period, with no written confirmation of the repossession date or law enforcement report. 
I am requesting a XXXX extension to reinstate my account, along with written assurance that the vehicle will not be sold unless I fail to pay by the end of the extended period. I also request that no storage or handling fees accrue during this time due to the procedural delays and lack of communication. 
I have filed a related complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding the repossession agencys conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CL Holdings LLC
State: TX

Complaint narrative:
The following tradeline is an inaccurate item on my credit report Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-08 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, I reported to my bank that my debit card had been stolen and that unauthorized transactions totaling approximately {$2700.00} had occurred. The bank issued a replacement card, but I never received it, and later they reissued another. All cards had the same card number. Despite my prompt report, the bank failed to open a fraud dispute or begin an investigation until I called again in late XXXX XXXX months later. 

During that period, fraudulent charges continued to occur, including small transactions at XXXX and a casino. The banks records show notes about my initial report but no action was taken. This delay violated the requirements of Regulation E ( 12 CFR 1005.11 ), which obligates the bank to begin an investigation within XXXX business days and issue provisional credit if it takes longer. 

I am requesting a full reimbursement of the {$27000.00} in unauthorized transactions and a written explanation for the delay in processing my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: LA

Complaint narrative:
So I contacted chime XXXX I did use them at XXXX point before I started banking with XXXX and my identity got stolen and some accounts got open with some type of multiple '' loans " and it dropped my credit score from a XXXX down to a XXXX, I tried using XXXX  to get a consumer report and I got XXXX and then I made the calls to chime and they won't let me resolve it saying that I owe them when there's no possible way that you can even take a loan from time and it says it's going to stay on my experience until XXXX, and I'm trying to get into the chime action lawsuit because I closed out the account and if I owe them money how is it possible that I could close my account?

Company response to consumer: Closed with explanation