vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
This filing supplements my prior CFPB cases # XXXX ( Crown Asset ManagemenXXXX ) and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  both closed on XX/XX/year>. 

After closure, I reviewed Crown Asset ManagementXXXX XXXX XXXX XXXXesponse and found new inconsistencies. In that response, CAM stated that my account was placed with XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of providing documentation to validate the debt and that neither CAM nor XXXX  have communicated with the consumer verbally or in writing, less fulfilling the consumers request for validation. 

My written dispute and validation request were mailed on XX/XX/year> and delivered on XX/XX/year>. Despite that, XXXX sent a collection letter dated XX/XX/year> demanding payment and listing the full {$32000.00} as principal, even though CAMs own charge-off ledger shows {$27000.00} principal, {$4700.00} interest, and {$220.00} fees. Exhibit A and Schedule XXXX were not produced until XX/XX/year>, the same day as CAMs CFPB response. CAMs representation therefore appears materially inaccurate and inconsistent with documents already in its possession, suggesting no collection activity occurred when it clearly had and implying validation preceded collection when it did not. 

These contradictions indicate potential violations of FDCPA 1692g ( b ) ( collection during dispute ) and 1692e ( 2 ) ( A ) ( misrepresentation of debt character ) and raise concern about inaccurate statements in a CFPB response.

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

Complaint narrative:
I writing to formally express my concerns regarding Chime handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues 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 CFPB findings indicate that Chime has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute several inaccurate or unverifiable items currently reported on my credit file. These include charge-offs, collections, and inquiries linked to disputed or unauthorized accounts. After careful review of my credit report, I believe the information listed below is either incomplete, inaccurate, or not verifiable as required under the Fair Credit Reporting Act ( FCRA ). 
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 XXXXXX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB highlighting significant issues with the platform. Despite using chime numerous of 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 were unfeasible. The CFPBs findings indicate that chime has not only neglected to protect customers but have 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 comsumer safety.

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

Complaint narrative:
Experian has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, by publishing and maintaining inaccurate and derogatory information about me without ensuring its accuracy or completeness. Under 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Despite this statutory duty, negative and damaging information has been placed on my consumer report without any prior verification, notice, or opportunity for correction. This failure has caused harm to my credit reputation and financial standing. Specifically, Experian has unlawfully published the following inquiries in my credit file from : 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 XXXXXXXX XXXX XXXXXX/XX/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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 TransUnion report and is being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

This account has been the subject of multiple prior disputes, all of which failed to adequately address the issues I raised. I am now putting your agency on formal notice that your failure to correct or delete this inaccurate information constitutes willful noncompliance under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
In XX/XX/year>, I met a guy named XXXX XXXX on XXXX. He seemed friendly, so we started chatting and getting to know each other. When I asked him about his profession, he mentioned that he was interested in cryptocurrency. He claimed to have a legitimate education and a license, which made it sound trustworthy. He explained what cryptocurrency was, and I was intrigued, so I decided to invest. 

Initially, I was hesitant, but his honest and trustworthy demeanor put me at ease. I sent XXXX XXXX a total of {$270.00}, and he promised me that I would receive {$7200.00} back by matching my {$270.00} and using Bitcoin points. He also requested my bank account information, debit card details, and the last four digits of my social security number. 

XXXX XXXX texted me again, informing me that I would receive {$900.00} in my account from his XXXX points. Once I received the {$900.00}, I was supposed to transfer it to a XXXX transfer account using Zelle. I complied with his instructions. 

However, its been over a month since then, and I havent received anything. XX/XX/year>, I checked my XXXX XXXX app and discovered that my account is now a $ XXXX. To my horror, I found out that this man had used the information I provided to impersonate me and file an ATM claim for {$900.00} on XX/XX/year>. What I thought was money from Bitcoin points was actually a provision credit from my bank. As a result, Im now over {$1000.00} in the red due to this scam. I reached out to Zelle and XXXX XXXX to submit a claim, but was told Zelle is like cash, its a possibility I will not get my money back. Zelle closed my account, and Im unable to get my money back.

In this formal letter, I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that revealed significant issues within the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim thoroughly. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected consumer protection but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I submitted a dispute XX/XX/XXXX for a charge of {$60.00} XXXX tried purchasing a XXXXXXXX XXXX XXXX XXXX XXXX website when I went to check the tracking number I had found that there was no longer a tracking number nor was there a XXXX XXXX  website I submitted the report I contacted them XX/XX/XXXX asking what was going on with the report I was then told that I did not submit any proof and I told them that I did and that this was outrageous they then told me to go to the third party and I told them that I had already submitted proof that the third party website was no longer in service they then told me they would reopen the dispute and if I disagreed with what they were doing to contact your website

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: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Summary : I am requesting assistance in resolving an issue with Fifth Third Bank regarding a {$200.00} fee charged in connection with a promotional check that had expired. 

Complaint Details : Fifth Third Bank issued me a set of checks under a 15-month 0 % interest promotion. On XX/XX/XXXX, I used check No. XXXX for {$2700.00} to pay a company. The company deposited the check and later informed me that it was expired. Despite that, Fifth Third Bank processed the check and completed the deposit. 

After contacting several bank representatives, I was informed that I no longer qualified for the 0 % interest promotion because the check had expired and that I would be charged a {$200.00} fee. I was also told that the system does not allow a refund of this fee. 

I explained to the bank that I believe this charge is unfair because the bank should not have processed an expired check, especially when the promotion was no longer valid. While I acknowledge I did not notice the expiration date in time, I believe the bank acted improperly by processing the check and applying a fee related to an expired promotion. 

As a good-faith effort, I returned the {$2700.00} to the bank and requested a refund of the {$200.00} fee, which still appears on my monthly statement. I have not received a satisfactory response from the bank. 

Requested Resolution : I respectfully request that Fifth Third Bank refund the {$200.00} fee charged in connection with the expired promotional check.

Company response to consumer: Closed with monetary relief
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: EdFinancial Services
State: IL

Complaint narrative:
I never obtained any of these debt. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
l am filing a complaint regarding an account being reported by XXXX XXXX XXXX. This company is reporting inaccurate information on my credit report. I do not have any active or valid account with XXXX XXXX XXXX, and I have never received proper validation or documentation proving that this debt belongs to me. 

I have disputed this account with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my disputes, the account continues to be reported and is negatively affecting my credit profile. The company has failed to provide proof of the alleged debt, original creditor details, or verification of ownership. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for failure to verify the account information and to ensure this account is permanently removed from my credit reports if it can not be properly validated.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
l am filing a complaint regarding an account being reported by XXXX XXXX XXXX. This company is reporting inaccurate information on my credit report. I do not have any active or valid account with XXXX XXXX XXXX, and I have never received proper validation or documentation proving that this debt belongs to me. 

I have disputed this account with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my disputes, the account continues to be reported and is negatively affecting my credit profile. The company has failed to provide proof of the alleged debt, original creditor details, or verification of ownership. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for failure to verify the account information and to ensure this account is permanently removed from my credit reports if it can not be properly validated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting to formally request a reinvestigation into two specific entries reported on my credit file related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Upon recent review of my credit report, I have identified potential inaccuracies or incomplete reporting associated with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is incorrect or incomplete and to request that the credit reporting agency reinvestigate the matter. In addition, FCRA 607 ( b ) requires that credit reporting agencies ensure maximum possible accuracy in all information included in consumer reports. If the data furnishers can not fully verify or correct the information, the entries must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My account was deemed fraudulent without any explanations

Company response to consumer: Closed with explanation