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: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
b'FTC Identity Theft Impact Report\nSection 1  What Happened\nBetween XXXX XXXX and XXXX XXXX, unauthorized credit inquiries and fraudulent accounts appeared\nacross my XXXX XXXX XXXX XXXX credit reports. These accounts and inquiries were not\ninitiated by me and appear to be the result of identity theft. The unauthorized accounts include credit\ncards, personal loans, and collections, many reporting charge-offs or delinquent balances. Hard\ninquiries from unfamiliar companies were clustered around auto finance and personal loan institutions,\nsuggesting misuse of my identity during that period. These activities have caused damage to my credit\nstanding and resulted in inaccurate reporting of debt obligations.\nSection 2  Fraudulent Accounts with Amounts and Dates\nCompany Name Type / Status Balance / Charge-Off Report Date\nCapital One Bank USA, N.A. Charge-off / Past Due $1,248 10/06/2025\nApple Card / GS Bank USA Derogatory / Closed $915 10/06/2025\nJefferson Capital Systems, LLC Collection Account $834 09/2025\nLVNV Funding LLC Collection Account $1,102 09/2025\nSpring Oaks Capital LLC Collection Account $679 08/2025\nMoneyLion Inc Personal Loan / Derogatory $512 08/2025\nBrigit / Coastal Community Bank / ARY Payday Loan / Delinquent $328 07/2025\nCurrent / CRB Deposit Account / Negative $147 07/2025\nSection 3  Unauthorized Credit Inquiries\nCompany Date Bureau\nFIRST PREMIER BANK 10/03/2025 Experian\nCAP ONE NA 10/01/2025 Experian\nCAPITAL ONE BANK USA 10/01/2025 TransUnion\nDISCOVERC 09/30/2025 Experian\nCREDITONEBK 09/11/2025 TransUnion\nALLY FINANCIAL 08/10/2024 Equifax\nGOFI LLC 08/10/2024 Equifax\nONEMAIN 08/10/2024 TransUnion\nCAP ONE VIA DEALER 08/10/2024 Experian\nSTELLANTIS FINANCIAL SERVICES 08/10/2024 Equifax\nCONSUMER PORTFOLIO SVC 07/27/2024 TransUnion\nEXETER FINANCE LLC 07/27/2024 TransUnion\nWESTLAKE FINANCIAL SVCS 07/27/2024 Experian\nCREDIT ACCEPTANCE CORP 07/27/2024 Equifax\nSection 4  Actions Taken\n- Reviewed MyScoreIQ tri-merge credit report in October 2025 and identified fraudulent activity.\n- Prepared and mailed dispute letters to Experian, TransUnion, and Equifax requesting reinvestigation\nunder FCRA 611.\n- Filed FTC complaint to document potential identity theft and unauthorized credit usage.\n- Plan to contact each listed lender to request written validation of debts and implement credit freezes\nto prevent further misuse.\nSection 5  Timeline Summary\n- JulAug 2024: Unauthorized auto and loan inquiries (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Fraudulent accounts opened or reported as delinquent (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc.).\n- XXXX XXXX: Fraud discovered through MyScoreIQ; formal disputes and FTC complaint filed'

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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 user vulnerable to scams. The 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

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 numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I would like to be reimbursed for the cashapp and any reported transactions on my account for how long I had it I had to let go a lot because chime didnt want to reimburse me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My card was activated on XX/XX/year> I haven't had a chance to use it because the credit limit is quite high ( US {$2000.00} ). Recently, I needed to buy something expensive, so I took out this card to try it out. A {$0.00} transaction was declined. A {$1.00} transaction was also declined, and the card is no longer usable.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s- 2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law.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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XX/XX/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 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
My debit card had been terminated because of fraudulent activity, I have been trying to get ahold of XXXX XXXX XXXX to speak with XXXX to get that changed but they have not answered one of my phone calls. I have left repeated messages about this since Wednesday XX/XX/year>, yet I have not heard any response. I am at risk of my payments going into default which I can not afford. I would like to update my payment method and bring my account to current

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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX ( Acct ending XXXX ) Auto Loan/ 60 days late - Late payments not consistent among all 3 bureaus ( XXXX  shows fewer delinquencies ). 
- XXXX  shows repetitive 30/60 days late cycles ( possibly re-aged ). 
- Possible false re-aging extending derogatory history beyond 7 years. 
FCRA 605 ( a ) ( 5 ) re-aging or obsolete reporting.

FCRA 623 ( a ) ( 1 ) ( A ) inaccurate late data.

FDCPA 807 ( 2 ) ( A ) false representation of payment history.

15 U.S.C. 1681i ( a ) failure to investigate disputed info.

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: NC

Complaint narrative:
Hey Good Morning, I am writing to formally dispute these unauthorized fraudulent accounts that has appeared on my credit report. Upon reviewing my credit report, I noticed these accounts that I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hey Good Morning, I am writing to formally dispute these unauthorized fraudulent accounts that has appeared on my credit report. Upon reviewing my credit report, I noticed these accounts that I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

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 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I signed up with XXXX XXXX XXXX for one month. While in the store signing my contract, there was an ad advertisement that the {$35.00} activation fee would be waived. I pointed it out to the clerk and they oh thats an old advertisement and then removed it and I said well thats false advertising. So the gentleman says mention it to XXXX XXXX XXXX when you call them and they will help you with it. They never did. They charged me that activation fee then when I received my bill, I was charged for two different lines. One for the number that was assigned to my phone which he activated and my number that I was switching over from one carrier to another. I tried to get them to fix the bill so I could pay it and they never did and they turned the bill over to collections.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/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 2025-10-06 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: NV

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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name :. Portfolio recovery- # XXXX and # XXXX Account name :. XXXX XXXX- # XXXX Account name :. XXXX XXXX XXXX # XXXX Account name :.. XXXX XXXX XXXX # XXXX Account name : .. XXXX XXXX XXXX XXXX # XXXX Account name :. XXXX # XXXX Account name ; XXXX XXXX # XXXX Account name ; XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX  - # XXXX COLLECTIONS-INQUIRIES - Account name : XXXX XXXX XXXX # XXXX and XXXX XXXX Account name : XXXX XXXX XXXX XXXX  : Account name XXXX XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name ; XXXX XXXX XXXX XXXX Account name XXXX XXXX Account name ; XXXX, XXXX Account name ; XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX I looked at my Equifax report and noticed that some things are incomplete and not accurate. According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And, according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
During covid Wells Fargo called about a deferment plan. Skip 3 months and those payments would go to the end of the loan. After it was done, they discovered the VA wouldn't allow that. 
They tried to force me into programs and while trying to work this out, they decided to charge me late fees and threatened foreclosure if I didn't pay the full amount even having never missed a payment other than the deferments. The amount was 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am kindly requesting that these inaccurate accounts be investigated properly alongside the documents I've attached.

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: 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:
This is a follow-up to my prior CFPB complaint # XXXX, submitted on XX/XX/XXXX, concerning inaccurate credit reporting by XXXX XXXXXXXX XXXX  and Equifax XXXX 
In their official response on XX/XX/XXXX, the companies stated : XXXX XXXX XXXX  XXXX EQUIFAX verified that this item belongs to you. Historical account information was deleted from this account. The following fields have been modified : scheduled payment, charge-off amount, date of major delinquency first reported, activity designator, additional information, account history, historical account information. 
However, as of today ( XX/XX/XXXX ), Equifax has not deleted or modified any of the listed fields. The account continues to appear on my Equifax credit file without any of the promised corrections. 
Account in question : XXXX XXXX XXXX  Account Number : XXXX This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ), because Equifax and XXXX XXXX XXXX  are continuing to report information that is inaccurate and unverifiable. 
I am requesting that the CFPB reopen or escalate my prior complaint and require both Equifax and XXXX XXXX XXXX  to either : Provide documented verification of this accounts accuracy, or Immediately delete the account and all related inaccurate information from my credit report. 
Please also investigate why Equifax represented that corrections had been made when they clearly have not.

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: TX

Complaint narrative:
This inaccurate account is showing up on my credit report so I am kindly requesting that this account be reviewed thoroughly using the documents that I've submitted.

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