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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations Not mine Not my XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Account charged off. {$18000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 
Not my address XXXX XXXX XXXX XXXX, TX XXXX not my jobs XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiry 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> I was notified by email that my Chime checking, savings and credit builder account, along with spot me and my pay will be closed on XX/XX/year> due to " evidence or suspicion of unusual or potentially risk activity. '' I called chime support and asked what was going on what was wrong with my account what was reason for closure. is there any specific transactions that are " suspicious " which ones are they. Chime COULD NOT provide me a reason why account was being closed or what warranted suspicious activity. Instead they told me " not to worry if any money in accounts a check with my funds on it will be mailed to me in 30 days. 
XX/XX/year> I get paid. Direct deposit from the XXXX My government assistance. {$930.00}. I spent about {$50.00} and XX/XX/year> my account was closed I lost all access to my funds. I called customer support that day and asked what was going on again why the account was closed. They tried to reinstate my account but " could not '' I asked about my money that I was just paid if they could verify how much I had in there they could not and told me I had no funds " that they could see '' i informed them they were making a mistake. I had money in my savings checking and credit builder and spot me and my pay. They could not verify any information and just told me a check with my money would be mailed to me in 30 days. Verified my address. And that was it. 
From XXXX XXXX until XX/XX/year> called Chime customer support about 5 times to inquire where my check was. If it had been mailed out. When should I expect it. They couldnt tell me anything. And refused not too. XX/XX/XXXX one agent told me I still " had 1 day left in time for them to mail me a check '' and that it would be there XX/XX/XXXX. 

A LIE. CHIME STOLE FROM ME. They never sent me a check with my money on it. And continuously lied or could not provide information of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
this debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is to be signed by XXXX parties and I did not participate in any of it. They did not follow the proper XXXX validation process procedure. According to the FDCPA im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges I demand this account be taken off immediately

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$30000.00}

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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

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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA not mine not my credit card XXXX XXXX  Account number XXXX Account type Business Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$16.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$14000.00} Highest balance {$16000.00} never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquires XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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: CA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Be sure to meet the requirements of 15 U.S. Code 1681g by removing the challenged accounts on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX : JPMorgan Chase Bank , N.A . 
Location : Bowling Green, Kentucky Date of Incident : XX/XX/year> Present Account Type : Representative Payee Checking Account for minor child Summary : I opened a Representative Payee account for my minor child at Chase on XX/XX/year>, after providing all required documents. Chase failed to follow up for over a month. When I returned to the branch, I was told the account had been approved and I deposited {$1000.00}. 

Days later, I received a Chase alert that my account had been placed on hold showing {>= $1,000,000}. When I called XXXX customer service line to ask why, the representative told me the account was closed because the payee had died. This was both incorrect and extremely distressing, as I had recently lost my mother this year. 

No one from Chase contacted me about this issue. I had to leave work early to visit the branch, where I was told the back office was missing documentation I had already provided. The banker said the issue would be resolved within days, but it has not been. 

This wrongful hold and miscommunication have caused me financial hardship ( late rent and bills ) and emotional distress. I have also requested to have the funds transferred and the account closed, but Chase has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a CareCredit Master Card from Synchrony bank for XXXX  XXXX, this product was advertised to me by my doctor. I applied for the card to receive 0 % financing on charges if paid in full in 12 months. My doctor was paid on XX/XX/XXXX for {$9900.00}. And another charge on XX/XX/XXXX for {$9900.00}. The full balance was paid in XX/XX/XXXX. When I was approved for the card the offer stated I was approved for the 0 % and did not clearly state that providers had to be in network to receive the promotional rate. The offer was deceptive, misleading and unclear on which charges were included in the promotional rate. For each of the 12 months I was charged the full interest amount.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX dated XX/XX/year> from XXXX ( received letter XX/XX/year> ) regarding my personal info being compromised by XXXX XXXX XXXX XXXX. XXXX included enrollment information through www.mytrueidentity.com XX/XX/year> attempted to enroll via instructions on letter as described above. Received XXXX XXXX XXXX on XX/XX/year> at XXXX XXXX. Called number provided to resolve issue, XXXX. On hold for more than XXXX hour, could not continue to hold. 

XX/XX/year> once again attempted to logon to enroll in XXXX XXXX XXXX and fix previous error. Locked out of account XXXX XXXX XXXX 

XX/XX/year> at XXXX XXXX, once again, attempted to login using credentials entered into system on XX/XX/year>, acct locked. Called XXXX at XXXX XXXX, on hold until XXXX XXXX, then someone picked up, AND IMMEDIATELY HUNG UP!!! 

XXXX needs to be held accountable. What methods are in place to hold them accountable to protect consumers? No issues with the other XXXX bureaus.

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: MI

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im extremely frustrated to see that inaccurate late payments are appearing on my credit report. I urgently need this issue resolved and want my submitted documents reviewed thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
Today, XX/XX/year>, I logged into my email account and noticed an email from Chime stating that I had " sent money '' to someone. I have never opened a Chime account. From other emails in that email account, it looks like the Chime account was opened XXXX XXXX. I do not know if other personal information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
First, after updating the email address associated with my account, I was unable to log in to my online banking. When I contacted the bank for assistance, they attempted to verify my identity using questions that were not from my actual credit report. The verification process was based on inaccurate or fabricated information, and despite my attempts to resolve the issue, the bank denied my verification and refused to restore my online access. They tried to create fake reason to keep me from my money while I was in the hospital. 

Second, I have been waiting for a wire transfer 2 times, that has not arrived after several days. The bank has not provided any confirmation or proof that the wire was ever sent, and I have received no resolution despite multiple inquiries. They refused to send the money to me several times. 

These actions have caused significant inconvenience and raise serious concerns about the banks verification procedures, handling of funds, and compliance with federal banking regulations. I am requesting that the FDIC investigate this matter to ensure that my account access is restored promptly and that the missing wire transfer is located and resolved. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation