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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES : XXXX XX/XX/year>

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: SC

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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: Chime Financial Inc
State: LA

Complaint narrative:
I am 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 usually chime numbers of time and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me they finding lost funds was impossible and that tracking these funds was infeasible. The CFPBs finding indicates that chime has not only neglected to protect consumers but has also let repeated offenders to exploit the system, leaving user vulnerable to scams. This lack of 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: 90 Day Credit Experts
State: AZ

Complaint narrative:
XXXXMy credit score still stayed low I never got my credit score 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: VA

Complaint narrative:
XXXX repeatedly stated that my account was inactive due to recent history of suspension of my driver license. 

The information supplied by the XXXX does explain a cancellation as due to " expired medical cert. '' This detail, removed from checkrs report, would have indicated to a human reading the report that : A. It has to do with XXXX licensure, NOT the driver license itself ; and : B. This " XXXX '' does not mean the drivers license was cancelled or suspended. 

" Expired medical cert '' means ( to a human who desires facts ) that the XXXX is " not certified '', which specifically means that the XXXX holder hasnt renewed their DOT medical exam. It also means that the license is downgraded to a class D Operators License. This is not the same thing as a cancelled or suspended drivers license. 

Checkr representatives repeatedly ignored my specific request ( to provide the explanation of the " Cancellation '' that the XXXX  includes ) and repeatedly stated that their report was the same as the XXXX, and that I was confused between current licensure status and DL cancellation/suspension history.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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: 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: 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 XXXX 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), and Cushman, you must conduct an independent reinvestigation and correct/delete under 611 ( a ) ( 5 ) ( A ). I dispute every late month you show or have coded in your system for the items below and demand running statements/ledger ( due date receipt posting ) for each alleged delinquency. Codes are not proof. 
XXXX XXXX XXXX. XXXX  not mine o Quoted : XXXX XXXX listed as AKA. 
o Law : 607 ( b ).

o Remedy : Remove if not my name of record. 
XXXX. Address parsing o Quoted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( others differ ). 
o Law : 607 ( b ).

o Remedy : Ensure uniform USPS-valid formatting across entries tied to me.

B. Tradelines / Reporting Defects XXXX. XXXX XXXX ( Acct XXXX ) Current, was past due 30 days with no matching XXXX or past-due o Quoted : Payment Status Current, was past due 30 days ; Past Due {$0.00} ; Date Last Active XX/XX/XXXX despite XXXX activity ; XXXX  displays XXXX months. 
o Metro 2 : Status ( 17A ) /Rating ( 17B ) must align with PHP XXXX XXXX ) and Amount Past Due ( XXXX ). 
o Disputed late months : Every month you claim was XXXX lateidentify the exact month ( s ) and produce ledger proof.

o Remedy : Either provide documentary proof or remove the was past due remark and correct XXXX. 
XXXX. XXXX XXXX ( Auto Loans XXXX / XXXX ) Missing Date of Last Payment o Quoted : Date of Last Payment : Unknown for both loans while reported Current with XXXX activity. 
o Law/Reg V : 607 ( b ) ; 12 C.F.R. 1022.42 ( a ) ( furnisher accuracy/duty to correct ).

o Remedy : Populate accurate XXXX  or correct reporting. 
XXXX. XXXX ( Acct XXXX ) Payment chronology mismatch o Quoted : XXXX XXXX XX/XX/XXXX ; XXXX shows XX/XX/XXXX. 
o Remedy : Verify true posting date with ledger and harmonize ; delete if unverifiable. 
XXXX. Summary totals o Quoted : XXXX totals differ from XXXX payments/balances. 
o Remedy : Correct any underlying tradeline causing the variance.

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: SC

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 its consumers but has also allowed repeated 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/privacy.

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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified Debt Validation Request to Credit Corp Solutions , Inc. regarding an alleged account from XXXX XXXX  XXXX XXXX XXXX for {$4200.00}. The company received my letter but failed to provide any legally valid proof as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ).

The documents provided were incomplete and did not include a signed contract, proof of assignment, or itemized payment history. Instead, Credit Corp sent only billing statements and an empty Affidavit of Fraud, which improperly shifts the burden of proof to the consumer. 

On XX/XX/year>, the company responded again without the required documentation. Then, on XX/XX/year>, after I submitted a second validation request, Credit Corp issued a Duplicate Dispute letter, repeating the same incomplete information and continuing to claim the debt was valid without proof. 

Despite the ongoing dispute, on XX/XX/year>, attorneys XXXX XXXX ( FL XXXX # XXXX ) and XXXX XXXX ( FL XXXX # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit in XXXX County Court on behalf of Credit Corp Solutions . This action was taken while the account was still legally in dispute, violating both federal and Florida law. 

These actions violate : FDCPA 1692g ( b ) : Continued collection without proper validation.

FDCPA 1692e ( 2 ) ( A ) : False representation of the debts legal status.

FDCPA 1692f : Unfair or unconscionable collection practices.

FDCPA 1692d : Abusive or deceptive conduct.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Reporting inaccurate information.

FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

FCCPA 559.72 ( 9 ) : Attempting to collect a debt known to be invalid or disputed.

FCCPA 559.72 ( 18 ) : Communicating false information to third parties.

15 U.S.C. 1666 ( a ) : Failing to investigate billing disputes ( Fair Credit Billing Act ).

Credit Corp Solutions and its attorneys knowingly pursued collection and legal action without lawful validation, constituting abuse of process, false representation, and violation of consumer protection statutes.

I request that the CFPB investigate this matter, order Credit Corp Solutions , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX to cease all collection and litigation activities, and ensure this account is deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Im 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit integrity very seriously, and the presence of these unauthorized accounts is both alarming and distressing.

Company response to consumer: Closed with non-monetary relief