vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
This is a follow-up to my previous complaint, CFPB Case # XXXX. LexisNexis 's response dated XX/XX/year>, was legally inadequate. They continue to rely on a circular verification process, using their own data and a public database ( PACER ) instead of contacting the original furnisher ( the bankruptcy court ) to obtain definitive proof that this bankruptcy case belongs to me. I reiterate my demand for a proper reinvestigation or deletion of this fraudulent information. 

Not to mention on a completely separate matter of fact this company has over 20 various errors on my consumer report. Different names, addresses, Emails Ect. So when this company says they verified something... .Based on what info? The 10 different names you have on my file? The 5+ different addresses you have on file i have never lived at? Explain yourself. Please i would like to know what you think is factual and what is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXXXXXX for {$420.00} plus tax using my American Express XXXX card. On first use, the mower smoked heavily and appeared defective. XXXX refused to accept a return, citing their policy against returns on gaspowered equipment once fuel has been added, even though adding gas is necessary to test the product. 

I pointed out that other major retailers, like XXXX XXXX and XXXX, accept returns on defective gaspowered equipment even if fuel was added. I contacted the manufacturer, but the first authorized service center did not handle XXXX products, and the next available shop was over XXXX miles away with a XXXX week wait. 

I filed a dispute with American Express. It was denied on XX/XX/year>, then again after supervisor review on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Throughout the process, I provided a detailed timeline, email correspondence, and photo and video evidence showing the defect and my efforts to resolve the issue. I also asked to escalate to a higher department such as Executive Relations, but was told no such department exists. 

After the dispute was closed, I followed the exact steps XXXX and American Express were required for a refund to obtain documentation from a service center approving the return. The service center confirmed in writing that the mower was defective and unrepairable. I returned the mower to XXXX with that documentation. XXXX accepted the return and put in writing that I would receive a refund check in the mail within 3 weeks a few weeks later XXXX out of no where decided to go back on there agreement and only offer store credit dispute the fact I spent months doing all they asked of me and American express They even wrote a letter and signed a letter saying they will refund me by check with in XXXX weeks. 

American Express closed the dispute again, for reasons still unknown. This was despite the fact that the documentation clearly referred to the defective mower and was signed by the front end manager. As of XX/XX/year>, I have received no refund and the run around from American Express, even though both XXXX and Amex acknowledged the mower was returned. 

This is not a warranty issue it is a defective product, properly returned, dispite the extended lengths asked to process the refund, with a refund promised and not delivered. I am requesting CFPB assistance to ensure that American Express reopens the dispute under the Fair Credit Billing Act and holds XXXX accountable for failing to honor their written agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: NH

Complaint narrative:
Complainant : XXXX XXXX Original Case Numbers : XXXX and XXXX Summary : This is a follow-up to my previous complaints against Oliphant USA , LLC regarding false and continued reporting of an unverified debt. In their latest response, Oliphant has introduced new and contradictory claims that require regulatory review. 



Key Issues and Misrepresentations : 1. False Claim of Judgment Oliphant now asserts that a judgment was entered in favor of the current creditor on XX/XX/XXXX, and that the obligation remains a valid and enforceable judgment debt. 

I have confirmed through the New Hampshire court system that no judgment exists in Oliphants name or assigned to them. 
If a judgment exists in another partys name, Oliphant is misrepresenting its legal status and ownership, in violation of FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 1 ) ( A ). 
No court assignment has ever been recorded transferring any judgment or debt to Oliphant. 

2. Contradictory Statements About the Debt Oliphants previous responses stated the debt originated in XXXX and was validated by a letter that same year. Now, they claim it is a XXXX judgment debt. These inconsistent statements demonstrate that the company can not clearly establish the nature, ownership, or enforceability of the alleged obligation. 
3. Improper Credit Reporting Despite multiple disputes and my certified validation demand, Oliphant continues to report this account to credit bureaus. Marking an account as disputed does not cure the inaccuracy when the underlying debt is unverified or misrepresented. Continued reporting constitutes furnishing of inaccurate and misleading information under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ). 
4. Invalid or Incomplete Validation The validation package provided by XXXX XXXX XXXX contained only a generic pool purchase and redacted account summaries with no link to my alleged account. This does not satisfy FDCPA 809 ( b ). 




Exhibit A demonstrates that Oliphants claimed validation is comprised entirely of generic pool purchase documents and redacted statements from XXXX. No document identifies me or establishes ownership of the alleged account. This evidence contradicts Oliphants assertion that a XXXX judgment exists or that the account is enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-06 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 tracking these transactions was infeasible the CFPBs findings indicate that Zelle 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Zions Bank failed to act with transparency or accountability in handling a fraudulent {$10000.00} wire transfer I reported in XX/XX/year>. 

On XX/XX/year>, I sent a wire from Zions Bank in XXXX, UT, to an account at XXXX XXXX XXXX  for a tractor purchase. I verified the sellers website with the branch XXXX before sending the funds, because I did not know the recipient personally. 

When I discovered the transaction was fraudulent, I contacted Zions Bank by phone on XX/XX/XXXX and was told to come into the branch the next business day ( XX/XX/XXXX ). The branch initiated a wire recall and sent a Hold Harmless Agreement to XXXX XXXX. I followed every instruction given. 

However, I later learned from XXXX XXXX  not Zions that there is a reimbursement process that must be filed through the originating bank ( Zions ). Zions Bank never disclosed this process, never initiated it, and has ignored all my follow-up communications since. I have sent multiple emails to Zions Banks Office of the President, but have received no substantive response beyond a single acknowledgment of receipt. 

Zions Banks failure to communicate, to inform me of the reimbursement procedure, and to timely respond to repeated outreach constitutes a serious lack of transparency and due care. This omission has left me with no guidance or recourse, even after promptly reporting the fraud and cooperating with all requirements.

Im requesting that the CFPB review Zions Banks handling of this matter and require the bank to : 1. Provide a clear written explanation of why I was never informed about the reimbursement process ; 2. Initiate or process the reimbursement claim referenced by XXXX XXXX  ; and XXXX. Address the complete lack of response to my multiple written inquiries. 
The loss of these funds has caused significant financial hardship, and Zions Banks silence has made recovery impossible.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Block, Inc.
State: CO

Complaint narrative:
I had debt accrued in XXXX  and was sued by the creditor and didn't know because I was very ill and living somewhere else. Then on XX/XX/24 a strange withdrawal of {$1200.00}. I proceeded to contact the bank who told me to contact the receiver of the funds. That was the XXXX XXXX XXXX. I explained to them that the funds were my SSDI and I knew they were protected but I would be happy to set up a repayment plan. They told me they needed proof of my benefit letter as well as my last 3 bank statements. I did that and they told me it is the bank 's responsibility to know what funds are exempt and that they couldn't help me. I have been trying to recover financially ever since & have had 3 evictions filed against me and nearly become homeless. The stress of all of this has caused more of my illnesses to flare up and it has been nearly impossible to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These collection accounts and inquiries are being reported inaccurately in violation of my rights under the Fair credit Reporting Act ( FCRA ) 602A, 611, 623. The information can not be verified or substantiated. I request an immediate investigation and deletion of these accounts and inquires from my credit report under FCRA 611 ( a ) ( 5 ) ( A ), which requires removal of unverifiable or inaccurate data. Continuing to report unverifiable information is a violation of federal law. Please delete these accounts and inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime is just denying claims without even investigating and they think they can just keep money out of my account. Ive filed complaints and they closed my account. Denying my claims even though overwhelming evidence was submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am submitting this complaint because an insurance claim related to an accident involving a rental vehicle ( with previous damage ) was mishandled by the claims department. Despite my repeated good-faith efforts to obtain fair documentation and resolution, the company recently sent the matter to collections without replying to my final dispute email which included multiple valid concerns and legal citations. I believe this is both unfair and possibly unlawful. 
Summary : I rented a vehicle that already had visible damage above the rear fender. 
I was involved in an accident during the rental period. 
I requested the following documents, which are critical to understanding liability : Full vehicle maintenance records Previous damage and repair records ( especially the fender area ) Photos or assessments of the vehicle before my rental Internal investigation records ( since they denied inspection ) The company refused to provide some of these, claiming they were outside the scope, even though these documents directly affect whether the vehicle was safe to drive and if the prior damage contributed to the accident. 
My concerns were ignored, and instead of replying or offering a fair review, they escalated the case to collections without notice. 
Why this matters : According to 15 U.S. Code 1681g ( Fair Credit Reporting Act ) and Consumer Financial Protection laws, I have the right to dispute a debt and to receive verification and evidence of the charges. The company failed to provide this. 
Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair or abusive collection tactics, including : Failing to respond to a debt validation request ( 15 U.S. Code 1692g ) Reporting or sending disputed debts to collections without proper verification Harassing or misleading consumers about their rights I also believe the company 's failure to provide maintenance records and pre-existing damage history may breach state consumer protection laws and basic negligence standards. If the vehicle was not properly maintained or inspected, they may share liability. 
What I want : I am requesting the CFPB to investigate this situation and ensure : The company removes this case from collections until they provide the requested documentation They respond to my formal dispute and legal request They provide full transparency on the claim, including : Maintenance and repair records Pre- and post-rental damage photos Internal claim file used to assess fault This has caused significant stress, credit risk, and unfair treatment. I want this handled fairly and with full due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May concern, I am submitting this formal complaint to request an investigation into a repossession account that is being inaccurately reported on my credit file. This negative item is severly damaging my credit standing and I believe it is being reported in error and in violation of my consumer right.. 
Account Name : XXXX XXXX Number Number XXXXXXXX XXXX XXXX XXXX XXXX TypeI nstallment type Detail-Auto LoanAuto Loan Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> I am disputing this because the balance, dates, being reported are inaccurate. 
I have already disputed this directly with the credit bureaus and/ or the creditor, but the issue remains unresolved. I am therefore requesting that the CFPB investigate this matter and ensure the furnisher complies with all requirements under the FCRA and FDCPA, inicluding obligation to report only accurate and verifiable information.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Settlement balance is paid still remains balance that not own me XXXX XXXX  credit card had a BEST BUY account from CITIBANK N.A. 
with Account Number : 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 2025-11-06 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: WA

Complaint narrative:
I am submitting this complaint because I recently reviewed my credit report and discovered that the account reported by XXXX XXXX ( Account No. XXXX ), showing a balance of {$35000.00}, contains inaccurate and misleading late payment. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be incomplete or incorrect in my credit report. The reporting of this XXXX XXXX account does not align with the actual status or payment history that I maintained. 
Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers have a legal duty to correct and update information that they know, or have reasonable cause to believe, is inaccurate. This duty extends to ensuring that consumers are not unfairly penalized due to reporting errors or outdated data. I also remind you that FCRA 623 ( b ) requires the furnisher to conduct a proper and reasonable investigation once a dispute has been filed. 
Congress made its intent very clear under FCRA 602, emphasizing that the accuracy and integrity of credit reporting are essential to ensure fair and equitable treatment of consumers. Errors such as this not only impact my credit score but also undermine the very purpose of the Fair Credit Reporting Act to promote fairness, accuracy, and privacy in credit reporting.

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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
The original creditor XXXX XXXX XXXX XXXX is seeking for payment on a purchase made through XXXX  This creditor is aware that I have disputed the validity of this debt owed through CFPB because of the abusive terms and conditions that challenge the right to consumers. This loan servicer has received payments over {$2500.00}. In addition, I am receive calls and emails from agency that works in behalf of the loan servicer. I have challenged there practices because they are unethical.

Company response to consumer: Closed with explanation