vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

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 CFPB 's findings indicate that Chime 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

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 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: LA

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Facts EX shows : Collection Installment Past Due : {$620.00} Consumer disputes this account information.

Defects : Collections can not be Installment, may not report Past Due, and must furnish DOFD. 
XXXX XXXX : collection format ; XXXX XXXX = {$0.00} ; XXXX XXXX XXXX DOFD furnished. 
All late months disputed ; ledgers demanded ; codes proof. Delete if unverifiable ( 1681i ( a ) ( 5 ) ( A ) ).

Cites : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 623 ( a ) ( 5 ) ; Reg V ; Cushman. 
Enclosures/CMRRR. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Facts EX shows : Collection Installment Account Status : Refinanced Comments : Refinanced Balance {$2700.00}. 
Defects : Refinanced is not a valid third-party collection status ; mis-portfolio ; missing DOFD. 
All late months disputed ; ledgers ; codes proof. Correct or delete per 1681i ( a ) ( 5 ) ( A ). 
Cites/Enclosures/CMRRR. 
XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) EX Facts EX shows : Collection Installment Refinanced Balance {$1300.00}. 
Defects/Metro 2 : same as XXXX 
All late months disputed ; ledgers ; delete if unverifiable. 
Cites/Enclosures/CMRRR. 
XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX EX Facts EX shows : Collection Installment Past Due : {$1000.00} Was 90 days late 14 time ( s ). 
Defects : No Past Due or late grid on collections ; DOFD missing. 
All late months disputed ; ledgers ; codes proof. Correct or delete. 
Cites/Enclosures/CMRRR. 
XXXX ) XXXX XXXX ( charge-off ) EX Facts EX shows : Past Due : {$2000.00} High Credit {$2000.00} Was 90 days late 32 time ( s ) Term 9 months. 
Defects : Post-CO Past Due ; impossible late grid ( XXXX in 9 months ) ; DOFD missing. 
XXXX XXXX : XXXX XXXX to {$0.00}, furnish XXXX, correct PHP. 
All late months disputed ; ledgers ; delete if unverifiable. 
Cites/Enclosures/CMRRR. 
XXXX XXXX XXXX XXXX XXXX ( charge-off ) EX Facts EX shows : Past Due : {$13000.00} Charged off account Was 90 days late 31 time ( s ). 
Defects : XXXX XXXX XXXX ; facially unreliable XXXX ; missing XXXX. 
All late months disputed ; ledgers ; correct or delete. 
Cites/Enclosures/CMRRR. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX Facts EX shows : Open Payment Status : AsAgreed Account previously in dispute now resolved by data furnisher. 
Conflict : TU reports repo. You must independently verify with source records ( not prior codes ). 
All late months disputed ; produce contract, repo/return docs, deficiency ledger ; delete if unverifiable.

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: 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My account was hacked XX/XX/XXXX. I have had it in review since then. Unable to use online banking or transfer funds. I told them legally after 10 days they have to give me access. I had to get angry with them on this or they would not have. They gave me limited access even though I get direct deposits. Now they declined a XXXX dollar purchase for no reason with funds in my account and when you call the workers they say they will send a ticket. This has been ongoing with no resolution. The bank is Synchrony and I'm looking into taking legal measures. It is now XX/XX/XXXX with no resolution. I will be having another direct deposit enter the account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am filing this complaint against Credence Resource Management , LLC regarding an alleged debt related to XXXX XXXX ( ending in XXXX ) for {$150.00}. 

Credence contacted me via text message attempting to collect this alleged debt. I did not provide prior express consent to be contacted by text or phone. I immediately sent a Cease & Desist and Debt Validation Demand under 15 U.S.C. 1692c ( c ) and 1692g ( b ), disputing the debt in full and revoking any consent to contact me.

In that letter, I requested : Validation of the debt including the original signed contract or lawful electronic consent.

Full itemized accounting from {$0.00} to {$150.00} ( principal, fees, interest, credits ). 

Proof of assignment or ownership showing Credence has authority to collect. 

All statements, invoices, or billing records relied upon. 

Confirmation of whether this account has been or will be reported to any consumer reporting agency. 

The collectors licensing information and whether the alleged debt is time-barred.

Credence failed to provide any of the requested validation and has continued or threatened to communicate despite my lawful Cease & Desist notice.

This conduct violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ), including but not limited to : 15 U.S.C. 1692c ( c ) Continuing communication after written request to cease.

15 U.S.C. 1692g ( a ) & ( b ) Failure to provide proper written validation notice and to cease collection during dispute.

15 U.S.C. 1692e ( 8 ) Failing to report a disputed debt as disputed.

15 U.S.C. 1692d & 1692e Use of false, deceptive, or misleading means.

47 U.S.C. 227 ( TCPA ) Unauthorized text messages without prior express consent.

Credences behavior is deceptive, unlawful, and harassing. Their initial communication was an SMS with a broken link to Your rights, which does not satisfy FDCPA 1692g ( a ) for a written validation notice.

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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: MS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: 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 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: 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: CA

Complaint narrative:
I am an Equifax XXXX XXXX consumer, and I am filing this complaint because inaccurate and unverifiable information continues to be reported on my credit file despite multiple formal disputes. The furnishers and credit reporting agencies have failed to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Specifically, the following accounts are being willfully and inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX Both accounts contain false, misleading, and unverifiable data, including contradictory reporting across bureaus, inconsistent payment histories, and incorrect derogatory statuses. Despite several disputes and requests for validation, the furnishers have continued to report this information without providing any proper verification or evidentiary documentation. 

Additionally, my credit file contains incorrect personal information, including wrong names, addresses, and dates of birth, which I have repeatedly demanded be deleted. These errors violate my consumer rights and raise serious concerns about data integrity and identity contamination especially given that my personal information was compromised during the Equifax XXXX XXXX. 

This pattern of noncompliance and disregard for FCRA obligations demonstrates negligence and willful misconduct by both the furnishers and the reporting agencies. Their continued furnishing of unverifiable data is causing ongoing harm to my creditworthiness, financial opportunities, and reputation.

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