vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MO

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 claim adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's finding 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. 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Dear Experian 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
CFPB Complaint Narrative : Westlake Financial Services Title Transfer Deadlock I am filing this complaint against my lender, Westlake Financial Services, for creating an administrative deadlock that prevents me from lawfully titling and registering my vehicle in the State of Illinois, placing me at imminent legal and financial risk. 

Background and Timeline : XX/XX/XXXX : I purchased the vehicle from a dealer in Ohio ( the original title state ). 

XX/XX/XXXX or XXXX ( unclear ) : The Ohio dealer finally filed the necessary title paperwork, over 30 days after the sale, indicating initial administrative failure. 

XX/XX/XXXX : I visited the Illinois Secretary of State ( SOS ) office to transfer the title and registration to my new state of residence. The Illinois SOS requires the out-of-state lienholder ( Westlake ) to release the title or accept an official state request form to issue the new Illinois title ( with Westlake noted as the new lienholder ). 

XX/XX/XXXX and XX/XX/XXXX : I have repeatedly contacted Westlake Financial, including their Title Department, to facilitate this transfer, as instructed by the Illinois SOS.

The Deadlock ( Failure to Cooperate ) : Westlake Financial has repeatedly refused to accept the official Illinois Lienholder Request Form from me, the borrower. Westlake claims they will only accept the form if it comes directly from the Illinois SOS for verification. The Illinois SOS explicitly states they do not contact out-of-state lienholders ; the process must be initiated by the borrower. This creates an unresolvable conflict between Westlakes internal policy and the states process.

Imminent Crisis and Lender Non-Commitment : My temporary registration tag expires on XX/XX/XXXX. After this date, I will be operating the vehicle illegally, violating both state law and my loan agreement ( failure to maintain valid registration ), which exposes me to fines and risk of repossession. 

On XX/XX/XXXX, I called Westlake and was given vague assurance that they had started the paperwork. When asked for a verifiable reference number, ELT code, or confirmation, the representative could only instruct me to call back in 3 days. They have provided zero verifiable proof that the title transfer is in progress.

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: MN

Complaint narrative:
Multiple accounts are being reported in my name without my authorization or knowledge. I never opened, authorized, or managed these accounts, and their presence on my credit report is false and misleading. These inaccurate entries have harmed my credit, caused significant stress, and require immediate clarification, specifically, why these accounts are being reported, who furnished the information, and what documentation ( if any ) supports this reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inaccurate accounts are reporting to my credit file which is stoping me to apply for anything

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: CA

Complaint narrative:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was getting XXXX of dollar deposits and I was noticing money missing I called chime and they told me that my money was and a off shore savings account account and I no longer own that money anymore it was never giving back almost XXXX my account was closed after I called and now no one would speak to me

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: TN

Complaint narrative:
Zelle failed to investigate my claim after numerous times I reported to my bank. They informed me that they couldnt track lost funds nor recover them. They allow offenders to keep using the system, and scamming people out there money.

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 — Banking errors
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes. My account is constantly getting charged for things I know I do not purchase and their investigation process is horrendous.i feel like the bank is scamming me and prolongs my disputes. Also when i press that i did not make the transactions they would say that they would record it and block transaction yet i still get notifications that the transaction is attempted again. The lack of accountability and transparency is unacceptable

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 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: 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 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and there were fraudulent accounts reporting that are not mine. I do not recognize these accounts and they need to be eliminated immediately

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and there were fraudulent accounts reporting that are not mine. I do not recognize these accounts and they need to be eliminated immediately

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: EQUIFAX, INC.
State: NM

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called to request a forbearance, the young lady I spoke with did her job and it was not her fault however for Capital One to want me to run further behind or put myself in jeopardy not able to pay the loan in a repayment plan is reprehensible. Capital One would rather people broke than do a forbearance. This is something that doesn't hurt Capital One. This is absolutely ridiculous. On top of this your threatening repossession even though you aren't willing to do anything but strain my finances further.

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: EQUIFAX, INC.
State: KS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I would like to be reimbursed for reported transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied my dispute claiming lack of documentation. I was told to travel to another city to obtain a gas station receipt. This is unreasonable, and Im requesting a proper investigation under the Electronic Fund Transfer Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ClarityPay, Inc.
State: GA

Complaint narrative:
I obtained a loan through ClarityPay for {$3700.00} to pay for legal services from XXXX XXXX. I terminated XXXX XXXX  in less than 30 days because of dissatisfaction with performance and billing. 
XXXX filed only two legal documents on my behalf XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX ). 
Despite this, I was billed over {$2500.00} in less than 30 days. 
XXXX later issued partial refunds and arbitrarily reduced my balance multiple times, ultimately setting the final owed amount at {$1600.00}. 
I have repeatedly requested an itemized billing statement explaining how this balance was calculated, but XXXX refuses to provide one. Instead, they cite vague benefits such as access to their technology platform or customer service, which do not justify the charges. 

I then disputed this balance directly with ClarityPay and asked them to pause or freeze repayments while the dispute is investigated. ClarityPay has not responded to my formal dispute. 

Why this is unfair : XXXX has not provided transparent billing or reasonable charges for the minimal work performed. ClarityPay is continuing to enforce repayment of a disputed and unjustified balance without investigation or response.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am writing to address an issue regarding the incorrect report on my payment history. I have already spoken with XXXX, a representative from your company, about this matter. The reference number for this complaint is XXXX. 

XXXX confirmed that I did not have any late payments in XXXX or XX/XX/year>, and the error was on the company 's part due to multiple transactions related to a {$10000.00} prepayment that I sent. She advised me to report this error to all three credit bureaus as a dispute, which I promptly did with XXXX, Equifax, and XXXX. 

However, despite my efforts, my dispute has been closed, and the incorrect information still appears on my reports. This is particularly concerning as my career is licensed by the XXXX XXXX XXXX XXXXXXXX, and I am a fiduciary. It is crucial that my financial records are accurate. 

I kindly request that your office investigate the practices of XXXX XXXX and ensure that the organization reports correct consumer information. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance.

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

Complaint narrative:
Hello, I hope this message finds you well. I am writing to address an issue regarding the incorrect report on my payment history. I have already spoken with XXXX, a representative from your company, about this matter. The reference number for this complaint is XXXX. 

XXXX confirmed that I did not have any late payments in XXXX or XX/XX/year>, and the error was on the company 's part due to multiple transactions related to a {$10000.00} prepayment that I sent. She advised me to report this error to all three credit bureaus as a dispute, which I promptly did with XXXX, XXXX, and Experian. 

However, despite my efforts, my dispute has been closed, and the incorrect information still appears on my reports. This is particularly concerning as my career is licensed by the XXXX XXXX XXXX XXXXXXXX, and I am a fiduciary. It is crucial that my financial records are accurate. 

I kindly request that your office investigate the practices of XXXX XXXX and ensure that the organization reports correct consumer information. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am writing to address an issue regarding the incorrect report on my payment history. I have already spoken with XXXX, a representative from your company, about this matter. The reference number for this complaint is XXXX. 

XXXX confirmed that I did not have any late payments in XXXX or XX/XX/year>, and the error was on the company 's part due to multiple transactions related to a {$10000.00} prepayment that I sent. She advised me to report this error to all three credit bureaus as a dispute, which I promptly did with Transunion, XXXX, and XXXX. 

However, despite my efforts, my dispute has been closed, and the incorrect information still appears on my reports. This is particularly concerning as my career is licensed by the XXXX XXXX XXXX XXXX, and I am a fiduciary. It is crucial that my financial records are accurate. 

I kindly request that your office investigate the practices of XXXX XXXX and ensure that the organization reports correct consumer information. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance.

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 — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Was approached about a remote job from ada-digital.com. it wasn't till you were in with them that you find out you have to run ads by paying for them in order to receive your " '' payback '' ''. All money was transferred back and forth using cash app and XXXX At first it worked then on day XXXX they hit with a large deposit request, then a second and the third was over {$4000.00} from me to run. I refused to pay and requested a refund of the money I already have in the account {$1500.00} and they told me I had to run the final add or I will not be able to withdraw. They are still holding my funds.

Company response to consumer: Closed with explanation