vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have explained to Chase XXXX  Banking that we're a XXXX XXXX relying on XXXX to payout weekly to our account. We contacted XXXX to pay us out quicker, we have been in close contact with XXXX  regarding this matter as they have been working on getting us paid quicker since XX/XX/year>, its now XX/XX/year>, still they reply " We apologize for the delay as we're still working on this matter. '' We pay off any recurring or charges after {$50.00} weekly, but Chase keeps charging our account accessibly as many as XXXX overdraft fees weekly at {$34.00} each. As of today we have XXXX overdraft fees totalling {$130.00} when our account is overdraft {$180.00} with a total of {$310.00} as now theyre asking us to make payment arrangements on {$310.00}. Last week the representative told me after paying off {$210.00} {$38.00} the remainder {$50.00} would fall off Monday, it never dropped from the account which began charging after {$50.00} for each recurring or charges following. 
I have asked to send Chase XXXX proof of XXXX response, but nothing can be done because they say " The System will not override it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX is 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Bankruptcy 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding chimes 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 claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPBs findings indicate that chime has not only neglected to protect consumers, but also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-10 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 tormany 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 2025-10-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
After a closer review of the documents referenced in synchronys previous letter, I have identified new and critical evidence that was either overlooked or not considered in Synchronys investigation.

1. Inconsistent and Illogical Service Day Date The document labeled as the work order estimatewhich Synchrony and the merchant appear to be treating as the sales receiptlists Service Day : XX/XX/year>. 
However, all of my signed documents ( including the credit application, work authorization, and financing paperwork ) are dated XXXX XXXX XXXX 

This means the merchant claims a service day occurred before any agreement was signed or authorized, which is impossible since : No work, materials, or services were ever provided. 
I had not even met with or signed any agreement with the merchant as of XX/XX/year>. 

This discrepancy suggests that the merchant fabricated or backdated documentation to create the appearance of service or delivery, which would constitute misrepresentation and potential fraud. 



2. No Services Rendered or Materials Delivered Despite the merchants claim of a XXXX  % cancellation fee, no work was ever performed, and no materials were ordered or delivered to my property. Therefore, this fee represents an unearned and unlawful penalty, not a legitimate charge for services rendered. 



3. Request for Re-Investigation Given this newly identified evidence, I respectfully request that Synchrony Bank reopen and re-investigate this dispute. The service day inconsistency and absence of any performed work are material facts that directly affect the validity of the transaction. 
. 



4. Consumer Protection and Fair Credit I am not disputing the existence of my Synchrony account, but rather the fraudulent and misleading actions of the merchant that Synchrony continues to enforce against me. If this issue is not properly reviewed, I will be submitting this evidence to the Michigan Attorney Generals Office and will include Synchrony Bank as a named party in a forthcoming civil action for aiding and abetting an unfair or deceptive practice under MCL 445.901 et seq. ( Michigan Consumer Protection Act ).

It is appalling that after synchrony has supposedly investigated this multiple times they have missed this in theyre supposed investigation. This is just further evidence that they have not properly investigated.

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 2025-10-09 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these entries be reviewed, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX account on my credit file. This account appears to be listed as a collection or charged-off item but is still showing as open or current with a balance. This is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 2 ) ( A ).

Please conduct a reinvestigation under FCRA 1681i ( a ) and either correct the reporting to show Closed / Collection or remove the tradeline if the accuracy can not be verified. 
Please provide written confirmation of the results of your reinvestigation within 30 days as required by the FCRA

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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I financed a vehicle through SchoolsFirst Federal Credit Union on XX/XX/XXXX, after purchasing it from XXXX XXXX XXXX. The vehicle was financed under a Retail Installment Sale Contract ( XXXX ) that included a down payment of {$4300.00}. On XX/XX/XXXX, I submitted a written rescission request to both the dealer and the lender due to fraudulent misrepresentation of the vehicle, improper contract execution, and concealment of material facts at the time of sale. Both parties refused to honor the rescission. 

The dealer misrepresented key material facts about the vehicle and failed to properly execute the contract in accordance with the XXXX XXXXXXXX XXXX and the Unfair Competition Law. When I discovered these issues, I exercised my right to rescind the contract under XXXX XXXX XXXXXXXX XXXX ( b ) ( XXXX ), ( b ) ( XXXX ) and XXXX, which permit rescission when consent was obtained through fraud or misrepresentation. 

UndeXXXX XXXX XXXX XXXX XXXX  and XXXX, a retail installment contract must be accurately completed, signed, and fully executed by both parties before assignment to a lender. The dealer failed to comply with these requirements, yet SchoolsFirst accepted assignment of the contract, creating an invalid and unenforceable security interest. 

Additionally, under the Federal Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 C.F.R. 1026 ), the lender shares responsibility for ensuring the accuracy and validity of the credit terms and disclosures within the assigned retail installment contract. SchoolsFirst failed to exercise due diligence in verifying that the contract was properly executed and free from fraud prior to accepting assignment. 

By refusing to honor the rescission or release the lien, the lender is perpetuating the effects of a fraudulent transaction in violation of : XXXX Civil Code 1689 et seq. ( rescission for fraud or misrepresentation ) XXXX Civil Code 17091710 ( deceit and fraudulent concealment ) XXXX Unfair Competition Law ( Bus. & Prof. Code 17200 et seq. ) Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

Consumer Financial Protection Act of 2010, 12 U.S.C. 5531 ( a ) ( prohibiting unfair, deceptive, or abusive acts or practices )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

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 2025-10-09 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: GA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: CEX.IO CORP.
State: CA

Complaint narrative:
On XX/XX/year> I opened a new account and purchased {$1800.00} of crypto from CEX. Then not too long after was informed by CEX.IOs compliance department that my account would be closed for internal reasons. They instructed me to withdraw all remaining funds to my payment card ending in XXXX. 

Despite following their instructions, every withdrawal attempt failed, including smaller amounts well under the alleged {$3000.00} daily limit. I never successfully completed any withdrawal since opening my account. 

Over the next XXXX hours, I contacted support multiple times. I was told by a representative named XXXX XXXX that the issue was due to my daily limit being reached, which is incorrect since no withdrawals were processed. 

Then I asked for a refund for the approximately {$200.00} {$300.00} in fees I was charged for conversion and withdrawal services that were never completed, I was told that a refund was not possible in my case, but no explanation or policy citation was provided. 

CEX.IO continues to restrict my access to my funds, refuses to enable crypto withdrawals, and is not providing any valid reason for denying both refunds and access. 

I am requesting immediate release of my funds or a full refund of the fees charged, and a regulatory review of how CEX.IO handles customer withdrawals and compliance closures.

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