vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account : 1. * * Name of Account and Account Number * * : Name of Account - XXXX Account Number - XXXX Name of Account - XXXX  Account Number - XXXX Name of Account - XXXX XXXX XXXX XXXX Account Number - XXXX Name of Account - Account Number-

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account : 1. * * Name of Account and Account Number * * : Name of Account - XXXX Account Number - XXXX Name of Account - XXXX  Account Number - XXXX Name of Account - XXXX XXXX XXXX XXXX Account Number - XXXX Name of Account - Account Number-

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 2025-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX there are 2 accounts that i transferred from credit card to personal loan never been late. I had change this but the are still reporting 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: 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank there are XXXX accounts that i transferred from credit card to personal loan never been late. I had change this but the are still reporting 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a phone call from Capital One Collections team on a recorded line. They advised me to settle a balance before a specific date in order to keep my account open. Before that date, I made an ATM deposit at the same ATM I use for my Capital One transactions. An ATM error occurred and I had to file a claim in order to solve the problem on their end. An authorized ATM in the Capital One app that I frequently used made an error and caused me to have to wait for the money I deposited for my bills. I did not receive my money right away since a claim was filed, so they offered me a temporary credit that would reflect in up to XXXX business days. However, that wasnt in enough time for the deadline date the bank told me it had to be deposited by in order to keep my account. I spoke with the bank and reached out multiple times to insure that I would still have my account since I did in fact make the deposit on time. I emphasized that we are on recorded lines and was told that my account would not close since the deposit was made before the date. However since the authorized ATM in the Capital One app malfunctioned, on the date it was set to close the temporary credit had not hit the account yet so it closed. After a investigation, Capital One recently emailed me and told me that the claim was closed and was resolved in my favor. However, I am the only person that was negatively impacted by this situation. I dont have a checking account any more with capital one bank and I had to wait for my funds from a cash deposit that was made at an authorized ATM by capital one. This caused me to be behind on bills from the money that was not deposited in timely fashion and I was left with multiple different customer service representatives giving me misinformation that in the end only impacted me.

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding the handling of Zelles disputes process particularly in relation with the ongoing CFPB lawsuits detailing significant issues with the platform. Over time while using Zelle Ive notified them of the discrepancies, and lack of support during the claim process however, theyve never gotten back to me and has failed as a financial institution. They did however mention that tracking funds, fees, and other monies were unable to be done.

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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company 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: MD

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes particularly in light of the recent XXXX. 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 CFPB 's findings indicate that Chime has not only neglected to protect customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about customer 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: TX

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: 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I dispute the reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report shows : This is an account in good standing Was 30 days late 03 time ( s ). 
Contradiction : an account can not be both in good standing and delinquent. This is inaccurate and misleading. 
- * * FCRA 607 ( b ) : * * Incomplete/misleading.

- * * FCRA 611 : * * Reasonable reinvestigation required.

- * * Metro 2 Violation : * * Field 17 Account Status ( current ) vs. Field 25 Payment Rating ( late ). 
I dispute all reported late months. Produce * * original statements/ledgers * * proving exact due dates, receipt, and posting. Absent this, all lates must be deleted.

Failure = CFPB, FTC, AG complaints, and litigation under * * XXXX * *. 
Enclosures : ID, utility bill, annotated 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
I am disputing the following collection account for Eastern Account System ( XXXX {$420.00} ) in its entirety. This account is inaccurate and unverifiable. I demand a reasonable investigation pursuant to 15 U.S.C 1681i ( a ). I dispute the validity of the debt, the accuracy of the amount, and the " Date of First Delinquency ''. Because this is a Collection agency whom I've never done direct business with they lack the foundational documentation to verify these critical details. Reporting unverifiable information violates 15 U.S.C. 1681e ( b ).

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$19000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed a credit account on my report and they didn't fully investigate. They turned around quickly and left it on my report with a new date which started the clock over of it coming off my report. I don't owe this account

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized Credit Inquiries Request for Immediate Investigation and Removal Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple unauthorized hard inquiries that have appeared on my credit report. I did not grant permission or provide written authorization for any of these companies to access my credit file. These inquiries were not initiated by me, nor were they connected to any legitimate credit applications I made. 

The following companies have made hard inquiries on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am requesting that the CFPB investigate these inquiries, as they were made without my authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under this law, no entity may access or pull a consumers credit report without a legitimate and authorized purpose, such as a credit application or a written consumer request.

These unauthorized inquiries have negatively affected my credit score and do not reflect any action I have taken. I have already contacted the credit reporting agencies and disputed these inquiries directly, but they remain unresolved. 

I am asking that : 1. Each company listed above provide documentation proving my consent or permissible purpose for accessing my credit file.

2. The credit bureaus remove all inquiries that can not be verified with valid authorization.

3. Appropriate corrective and enforcement actions be taken against any company found to have violated FCRA guidelines. 

I have attached a copy of my credit report showing the inquiries in question, along with identification documents for verification. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXXXXXX 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I WENT TO XXXX XXXX MACHINE AT XXXX FOR MY TRANSACTION TO BE FREE OF CHARGE THE ATM MACHINE OPENED WITH THE AMOUNT I REQUESTED AS I WAS LOCKING MY CARD THE ATM MACHINE CLOSED AND TOOK MY MONEY BACK I ASKED THE EMPLOYEE WHATS GOING ON THEY TOLD ME IT HAS NOTHING TO DO WITH THEM CONTACT CHIME I CONTACTED CHIME AND THEY CLAIMED THEY DIDNT SEE THE TRANSACTION I JUST WANT TO BE REIMBURSED MY HARD EARNED MONEY PLEASE HELP ME

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: FL

Complaint narrative:
I applied for a personal loan with XXXX for the amount of {$13000.00} XX/XX/year>, and again on XX/XX/year>. The first loan was approved and then later withdrawn. The bank wire did not go through because XXXX had my name spelled incorrectly. The same event happened on XX/XX/XXXX. I tried to reconcile with XXXX, spending over XXXX hours on the telephone. They repeatedly would not accept responsibility for their actions. The company repeatedly deferred me, transferred me, and hung up on me numerous times. Every time I called, I was given a different reason for the problem. In total, I spoke to over XXXX people, including supervisors. No one helped me resolve the problem. They only transferred me to another number. After having given up on reconciling this issue, I decided to apply elsewhere for the money. It is then that I discovered that XXXX had reported to Experian that I owed them {$13000.00}. I disputed that with Experian, and I have to wait about one month for their results. I spoke to XXXX numerous times to remove the incorrect balance. I then requested to speak to a Supervisor. Who said she would submit the request internally? Now I am being denied a loan from other lenders because of the incorrect listing from XXXX on my Experian report. Of course, I want the issue to be expedited. My only other option is to go to the XXXX XXXX department. Basically, my question is this. Why do all of these simple things have to be so complicated? XXXX 's customer service is nonexistent and incompetent. I was told by one representative that there were numerous errors committed by staff members. I will never do business with this company, and I will also cancel my XXXX credit card. That is all I have to say.

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: WA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 are infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the 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: CA

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

Company response to consumer: Closed with explanation