vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I quit a XXXX XXXXXXXX XXXX XXXX XXXX back in XXXX of last year ( XXXX ) by going to the club and submitting a verbal as well as a written notice to the manager of the XXXX XXXX XXXX NJ XXXX XXXX, which they accepted at the time. Several months later, I keep getting notices and charges piled up saying I owe a balance from XXXX XXXX XXXX. However, all my charges were paid off back when I quit last year so they were charging falsely all this time which has been accumulating. Keep in mind I have not used the service since I quit of last year, I have not stepped foot in any XXXX XXXX XXXX since XXXX  of XXXX. I would like the debt to be wiped cleaned and my account removed from the system and my credit score NOT to be impacted by this. I have tried calling XXXX XXXX XXXX ( spoke with XXXX - a supervisor on XX/XX/XXXX ) who redirect me to call a different retro fitness club in XXXX to resolve the matter, when I try to call XXXX XXXX of XXXX NJ ( XXXX ), they do not pick up the phone so I am stuck in a run around with no way to resolve the matter between XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-10-07 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: FL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-10-07 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: NJ

Complaint narrative:
I am filing this complaint to formally dispute and request immediate investigation into inaccurate and damaging information being reported on my credit file. 

Wrong Address Reporting XXXX XXXX XXXX # A, XXXX, NJ, XXXX This is not and has never been my address. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is not and has never been my address. 

These addresses are completely inaccurate and must be removed from my credit file as they create a misleading impression of my residency history. 

Inaccurate Account Reporting XXXXXXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/year> High Credit : {$0.00} Reported Status : Charge Off This tradeline is incorrect, unverifiable, and reporting false information. The account is showing a charge-off with a {$0.00} high credit, which makes no logical sense. This indicates erroneous reporting that is causing severe harm to my credit profile. 

Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies and furnishers are required to maintain maximum possible accuracy of the information reported. By continuing to report false addresses and an unverifiable charge-off account, my consumer rights are being violated.

Requested Action Remove all inaccurate and unauthorized addresses from my credit report immediately.

Investigate and delete the erroneous XXXXXXXX XXXX  tradeline that is reporting as a charge-off with no valid balance. 

Provide me with written confirmation of corrections made. 

These false and damaging items are negatively impacting my creditworthiness and ability to obtain fair financial services. I demand swift action and resolution 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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion regarding their failure to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) on an account listed as XXXX XXXXXXXX. 

I disputed this account with TransUnion because the information is inaccurate and incomplete. I submitted a Form 1099-C issued by the creditor showing that the debt was canceled.

Despite providing clear and valid documentation, TransUnion verified the account as accurate. 

It is my belief that TransUnion did not conduct a thorough and reasonable investigation as required by law. Their actions have caused ongoing harm to my credit profile and financial opportunities. I am requesting that the CFPB investigate TransUnions handling of my dispute, require them to obtain proper verification of the account from XXXX XXXX, and ensure that any inaccurate or unverifiable information including this reaccount is promptly deleted from my credit report

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 2025-10-07 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: NY

Complaint narrative:
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 2025-10-07 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: MS

Complaint narrative:
Im deeply concerned because the inaccurate accounts are still appearing on my credit reports and havent been taken off. Im pleading for a thorough review of the documents Ive provided so I can finally have peace of mind and stop living in constant worry over this issue.

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 2025-10-07 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information currently being reported on my Experian credit file. 
The following accounts contain errors that must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ) : Account # XXXX Creditor Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Reason for Dispute : Experian is inaccurately reporting a XXXX late payment for XX/XX/XXXX. This is incorrect and should be removed. 
Payment history prior to this is shown as XXXX, therefore the derogatory entry is inconsistent and unverifiable. 
The account should reflect as current/paid on time. 
Account # XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} Reason for Dispute : Experian is reporting a XXXX late payment for XX/XX/XXXX. This is inaccurate and must be removed. 
The account history indicates on-time payments prior to this reporting, making the derogatory mark inconsistent. 
Payment terms and reporting dates are misaligned when compared with other credit bureaus, indicating inaccuracy. 


I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. 
My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-07 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to dispute the following information on my credit report. The account listed above contains inaccurate/erroneous information that is negatively impacting my credit score. I request that you investigate and correct this information. 

The specific reasons for the dispute are : XXXX. Inaccurate payment history XXXX. Incorrect account status XXXX. Unauthorized inquiries or accounts I request that you : XXXX. Delete the disputed information from my credit report XXXX. Update my credit report to reflect the accurate information XXXX. Send me a copy of my updated credit I have attached a copy of my identification and proof of address for your reference. Please find the documents below : - Copy of ID : [ Driver 's License/State ID/Passport ] - Proof of Address : [ Utility Bill/Lease Agreement ] I would appreciate it if you could expedite this investigation and resolve this dispute within the XXXX timeframe mandated by the FCRA. If you find that the disputed information can not be verified, please ensure that it is removed from my credit Accounts and names disputes : USC CODE 1681 b 2 1602 a 1 1681a2ai 1692 1666b 1601 Address that not to be on my credit report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute the following information on my credit report. The account listed above contains inaccurate/erroneous information that is negatively impacting my credit score. I request that you investigate and correct this information. 

The specific reasons for the dispute are : XXXX. Inaccurate payment history XXXX. Incorrect account status XXXX. Unauthorized inquiries or accounts I request that you : XXXX. Delete the disputed information from my credit report XXXX. Update my credit report to reflect the accurate information XXXX. Send me a copy of my updated credit I have attached a copy of my identification and proof of address for your reference. Please find the documents below : - Copy of ID : [ Driver 's License/State ID/Passport ] - Proof of Address : [ Utility Bill/Lease Agreement ] I would appreciate it if you could expedite this investigation and resolve this dispute within the XXXX timeframe mandated by the FCRA. If you find that the disputed information can not be verified, please ensure that it is removed from my credit Accounts and names disputes : USC CODE 1681 b 2 1602 a 1 1681a2ai 1692 1666b 1601 Address that not to be on my credit report 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

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I initiated XXXX transfers through XXXX XXXX ( XXXX ) to my Bank of America ( BOA ) Checking Account, in the amounts of {$2500.00}, {$1000.00}, and {$5000.00} respectively. Due to a technical issue on WUs side, duplicate transfers of the same amounts ( {$2500.00}, {$1000.00}, and {$5000.00} ) were mistakenly sent again on XX/XX/1415, resulting in my account receiving double the intended total. 

On XX/XX/XXXX, XXXX discovered the duplicate transfers and withdrew the overpaid amounts ( {$2500.00}, {$1000.00}, and {$5000.00} ) from my BOA account. 

On XX/XX/XXXX, without any valid reason and despite already having recovered the overpaid funds, XXXX filed a dispute with BOA claiming that the {$5000.00} transfer on XX/XX/XXXX was an error and requested that it be reversed. 

Between XX/XX/XXXX and XX/XX/XXXX, after nearly a month of internal review, BOA decided to side with WUs dispute. Without providing any prior notice or communication with me, BOA debited {$5000.00} from my checking account and sent it to XXXX on XX/XX/XXXX. After I immediately contacted BOA by phone, the {$5000.00} was temporarily credited back to my account on XX/XX/XXXX. However, on XX/XX/XXXX, BOA again transferred {$5000.00} to XXXX, despite my prior notice and objections. 

Since then, I have contacted both BOA and XXXX multiple times, but each company has refused to take responsibility, passing the issue back and forth without resolution.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am writing to formally express my concern 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 which is chime failed to investigate my adaquently. They informed me that recovering lost funds was impossible and that tracking these tracking these transactions was unfeasible. The CFPB 's finding indicate that chime not only neglected to protect consumers but also allowed repeat offenders 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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

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 2025-10-07 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : 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 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

Company response to consumer: Closed with non-monetary relief