vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because this Consumer Reporting Agency XXXX  is furnishing or maintaining an inaccurate and unverifiable Bankruptcy Public Record on my consumer file. 

Timeline and Actions Taken : Date of Dispute : On XX/XX/year>, I sent a formal written dispute, via Certified Mail, to Teletrack at their official dispute address. 

Disputed Item : The dispute challenged the accuracy and verifiability of a Bankruptcy Public Record that is currently listed on my consumer report.

FCRA Obligation : I notified the company that this record is inaccurate, incomplete, or belongs to another individual, and requested that they conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Issue : The company has failed to correct this inaccurate public record information and/or has not completed a proper and reasonable reinvestigation within the required timeframe after receiving my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
A collection agency is reporting a medical debt to XXXX  that should have been paid by my insurance. The debt is invalid because it was billed incorrectly, and the collector is using the wrong name on the account. They should not have sent this to collections or reported it to the credit bureaus. Im requesting an investigation and removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Im a SoFi Bank customer, and each month my account statements are posted several days late. Statements are typically unavailable until around the 6th of the following month, even though most banks post within 13 business days after the statement cycle ends.

This ongoing delay makes it difficult for me to reconcile my accounts, track spending, and maintain accurate financial records. I contacted SoFi through email ( XXXX ) and through their online support portal but have not received a response or explanation. 
I believe SoFi Bank is failing to provide statements promptly after the end of each cycle, as required by Regulation E ( 12 CFR 1005.9 ) and Regulation DD ( 12 CFR 1030.6 ). Im requesting that the CFPB review SoFis practices and ensure they make monthly statements available without unreasonable delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant with the platform. Despite using Chime 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 that tracking these transactions was infeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint because this Consumer Reporting Agency XXXX is furnishing or maintaining an inaccurate and unverifiable Bankruptcy Public Record on my consumer file. 

Timeline and Actions Taken : Date of Dispute : On XX/XX/year>, I sent a formal written dispute, via Certified Mail, to FactorTrust at their official dispute address. 

Disputed Item : The dispute challenged the accuracy and verifiability of a Bankruptcy Public Record that is currently listed on my consumer report.

FCRA Obligation : I notified the company that this record is inaccurate, incomplete, or belongs to another individual, and requested that they conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Issue : The company has failed to correct this inaccurate public record information and/or has not completed a proper and reasonable reinvestigation within the required timeframe after receiving my dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing this to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous of 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 not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Copy an paste 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXXXXXX XXXX and their reporting of inaccurate information to my credit file. This reporting is in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 Standards, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
Complaint Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$100000.00} Issue : False late payment reported ; account unverifiable. 
Details : I have never made late payments on this account. All payments have been timely, or there is no record of delinquency. The reporting by XXXX XXXX is inaccurate and damaging to my creditworthiness. I have requested XXXX to provide full, verifiable documentation from the original data furnisher, including complete payment history, but no adequate proof has been provided. 
Impact : This false reporting has harmed my credit score and my ability to obtain financial products on fair terms. It also violates federal law regarding accurate reporting and consumer protection. 
Requested Resolution : Investigate the accuracy of this account reporting immediately. 
Provide full documentation verifying the alleged late payment, including signed agreements and payment history. 
If verification can not be provided, delete the account from all credit reporting agencies under FCRA 611.

Legal Basis : FCRA 607 ( b ) : Duty to assure maximum possible accuracy FCRA 611 ( a ) : Requirement to reinvestigate disputed information within 30 days Metro 2 Standards : Guidelines for accurate and compliant reporting FDCPA 807 ( 8 ) : Prohibition against communicating false credit information ( if applicable ) Enclosures : Copy of government-issued ID Proof of current address ( utility bill ) I request that CFPB take action to ensure compliance with federal law, and I expect formal acknowledgment of this complaint and updates regarding its resolution.

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

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally complain about my concerns by the way Zelle has been handling disputes particularly in light of a recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible. And that tracking these transactions was unfeasible. The CFPB S findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders 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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was involved in an online remance scam. I filed with the XXXX Police Department and they said it was out of their jurisdiction. I filed a complaint with my online bank, Chime and they denied my dispute and gave notification thru their app that my account would be closed XX/XX/XXXX. I tried to file the dispute again unsuccessfully. My account was closed on XX/XX/XXXX with my balance on all my accounts at {$0.00} ; XXXX XXXX, Checking, and Savings. I was told to get the money out or transfer it before my accountt closed. On XX/XX/XXXX I deposited a check into my XXXX account, the same day my Chime account closed. On XX/XX/XXXX at XXXX XXXX EST, The XXXX XXXX ( Chime ) took funds from my XXXX account, unauthorized by me, and deposited them into my closed Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello, I am submitting a claim regarding a transaction on my account that I did not authorize. The transaction occurred on [ XX/XX/year> ] For [ XXXX ]. I did not make this purchase, nor did I authorize anyone else to do so. I am requesting a claim settlement for the investigation of this matter and courtesy for unauthorized charges and delayed deposits Please let me know if you need any additional information to process this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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