vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I discovered a collection account on my credit report but have never received any communicationno letters, calls, or emailsfrom the collection agency or the original creditor regarding this alleged debt.

I disputed the account with all three credit bureaus. Each responded that the account was verified as accurate, yet no documentation or validation of the debt has ever been provided to me. This is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires a collector to provide written notice and debt validation upon request, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishers from reporting information that can not be verified.

I have contacted the collection agency directly via certified mail requesting validation of the debt. As of today, no response has been received. The continued reporting of this account without proper validation is inaccurate, incomplete, and damaging to my creditworthiness.

A collection account has been added to my credit reports, but I have never received any communication or written notice from the collection agency or original creditor about this alleged debt.

I disputed the account with XXXX, XXXX, and XXXX, and each reported that it was verified as accurate, yet no documentation or validation was ever provided to me.

I subsequently sent a certified letter directly to the collection agency requesting debt validation as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. To date, they have not responded.

Reporting this debt without prior notice or proper validation violates both the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires that furnishers only report information that can be verified.

I am providing copies of my dispute letters, and the lack of any response to demonstrate non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

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. 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On XX/XX/year>, I requested a domestic wire transfer from my Ally Bank account to my landlord 's XXXXXXXX XXXX account to pay my rent. I submitted the wire request online through Ally Banks website from my computer during the afternoon. After submitting the request, I received a message stating that my wire request had been sent, but no reference number was provided. 

By Monday, XX/XX/XXXX, the funds had not arrived at XXXXXXXX XXXX. When I checked the status of the wire on XX/XX/XXXX, it still showed pending. The funds were never debited from my Ally account. 

I called Ally Bank on XX/XX/XXXX at approximately XXXXXXXX XXXX., and remained on the call for about XXXX hour and XXXX minutes. The first associate was unable to assist me, so I had to escalate the call to a supervisor. During the call, I was told that Allys system had crashed on XX/XX/XXXX, and that all wires that day had been cancelled. However, no one from Ally Bank ever contacted me to inform me of this issue, and my account still displayed the transaction as pending.

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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Independent Reinvestigation XXXX internal contradictions Quoted error : INSTALLMENT ( Rental ) with Monthly Payment {$0.00}, Terms : 1 Month, High Credit {$1900.00}, Current, Last Reported XX/XX/year>. This structure is incoherent and conflicts with parallel rent reporting elsewhere. 
Law : XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX ( a ) ( XXXX ) ( A ) ; XXXX XXXX XXXX ( a ) ; XXXX. XXXX XXXX : Account Type, Terms ( Duration/Frequency ), Scheduled Monthly Payment Amount ( SMPA ), Date of Account Information. 
Demand : Perform a Cushman-level reinvestigation using source records ( contracts/ledgers ). Correct to coherent XXXX XXXX fields or delete. All late months are disputed ; provide running statements/ledger ( due receipt posting ). Codes are not proof. Non-compliance XXXX XXXX XXXX XXXX Enclosures : ID ; address proof ; highlighted XXXX page. 
Letter XXXXXXXX XXXX : XXXX conflicts & stale as-of ( Same headers as XXXX ) Subject : Independent Reinvestigation XXXX contradictions EX shows INSTALLMENT / XXXX {$0.00} / 1 Month ( XX/XX/year> ) while XXXX show Open Account / SMPA {$1800.00} with newer report dates. 
Law : XXXX ( b ) ; XXXX ; XXXX XXXX ; XXXX. XXXX XXXX : Account TypeXXXX XXXX, Terms, Date of Account Information. 
Demand : Independently verify with contracts and ledgers; correct across product/terms/SMPA and as-of, or delete. All late months are disputed ; running ledger demanded ; codes proof. Enclosures : ID ; address proof ; side-by-side highlights. 
Letter XXXX XXXXXXXX XXXX ( Acct XXXX ) XXXX  mismatch versus XXXX ( Same headers as XXXX ) Subject : XXXX  Accuracy XXXX  XXXX ( {$2.00} at XXXX XXXX {$20.00} at XXXX ) Your file shows Scheduled Monthly Payment {$2.00} ; XXXX shows {$20.00} for the same account. XXXX or more files are inaccurate. 
Law : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ( a ) ; 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

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

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 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: MO

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the 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 claim adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's finding indicate that Chime 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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally request a copy of the 1099-C form related to my account with JPMorgan Chase Bank XXXX which has been marked as a charge-off on my credit report. Despite the charge-off being reflected in my credit history, I have not received the corresponding XXXX form for tax purposes. 

Please find the details of my account below : - * * Account ending in : XXXX & XXXX - Name on Account * * : XXXX XXXX - * * Social Security Number ending XXXX The lack of the XXXX form is concerning, as it affects my ability to accurately report my financial situation and comply with tax obligations. I would appreciate your prompt attention to this matter. 

Thank you for your assistance. I look forward to your response. 

Sincerely, XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to the Federal Trade Commission ( FTC ) or local law enforcement identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report ( Police Report XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

PERSONAL IMPACT : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress, frustration, and embarrassment.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Wells Fargo bank card was stolen at the airport and someone spent all my money. When I reported this to them they closed my bank down and put it in the negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns about the chime lawsuit against handling my disputes properly, Ive used chime for almost 8years and have been very loyal to the company I do not feel my disputes where handled properly and allowing other merchants to misuse my card information and over charge me for everything.

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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I am unable to open a checking account because of the information on my report something or some company is putting false information about my previous checking accounts.

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 — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
On XX/XX/2025 I got a message from my XXXX XXXX saying that a debt collection agency had called her a few times about me. She asked them how they had her number and she was told that it was attached to the account as a contact. I know this isnt true because I have never put her as a contact on anything financial and we arent on the same phone plan either. I knew the loan was defaulted a few weeks prior and was told by the original creditor that I would hear soon and I hadnt received any information about the new creditor until I called on XX/XX/XXXX. When I spoke to them I spent XXXX minutes arguing with the person because he kept telling me to ask my parents to cover my loans and was looking at my dads credit card that Im listed as a user on and he said it has enough to cover the settlement amount on it. I eventually got him to stop asking about my family and we discussed XXXX potential option for repayment. XXXX being a settlement of {XXXX}. XXXX being a {$6000.00} downpayment and a $ XXXX monthly payment until remainder of amount owed is paid pack and then a potential XXXX of paying the arrears of the original debt and then continuing with the previous or similar payment. They had all my contact information including email before hand. I made sure to ask. And I requested that I have the XXXX options we talked about in writing sent to me. I received an email with only the settlement of XXXX listed as an option. I wasnt aware of what I needed to validate the debt is still mine at the time of the call and I am putting this complaint in to help figure out. I did not appreciate them calling my family members before contacting me, the only goal of the call being to have me borrow a little money from my family, or being told XXXX options of repayment and only receiving written proof of XXXX and then them not responding to emails about the other XXXX options discussed.

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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union denied my debit card dispute for a {$270.00} transaction with the merchant XXXX. The merchants shipping XXXX, marked the package as delivered, but I never received it. I have a home security camera that did not record any delivery at the date or time shown on the tracking information. 

Navy Federal stated that shipping XXXX provided documents confirming delivery, but those documents do not prove that I personally received the packageonly that it marked it as delivered. There is no signature, photo, or other verifiable evidence showing that the merchandise was actually delivered to me. 

I believe Navy Federal failed to conduct a full and fair investigation as required under Regulation XXXX I am requesting that the CFPB require Navy Federal to reopen my case, review all evidence including the lack of confirmed receipt, and ensure proper consumer protection for debit card purchases where merchandise was never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation