vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an unresolved dispute with Chime regarding a fraudulent transaction that resulted in a loss of {$1600.00}. On XX/XX/year> I attempted to purchase a vehicle from what I believed to be a legitimate car dealership. Unfortunately, I later discovered that the dealerships online profile had been hacked, and I was unknowingly communicating with scammers. 

I immediately reported this incident to Chime and provided supporting documentation, including a police report and a report from the actual dealership confirming the scam. Despite my efforts, Chime denied my dispute, stating that because the payment was sent using their Pay Anyone feature, it could not be reversed. 

I believe Chime failed to properly investigate the circumstances surrounding this fraudulent transaction. As a financial institution, they have a responsibility to take reasonable steps to protect consumers from unauthorized and fraudulent activity. 

I am requesting the CFPBs assistance in urging Chime to reopen my dispute and fully investigate my case. I am willing to provide all necessary documentation to support my claim. 

Thank you for your time and consideration. I hope for a fair resolution to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/2018

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 2025-03-17 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX for Account : XXXX XXXX XXXX ( Account # XXXX ). Specifically, Transunion is reporting the account as " Pays account as agreed '' with a " XXXX days past due '' delinquency ; XXXX has since deleted the account due to inaccuracies. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention 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 non-monetary relief
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by XXXX under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( Case No. 1:17-md-02800 ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
XXXX XXXX / Accnt # XXXX / {$570.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$2700.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Accnt # XXXX / {$8900.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX / {$390.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$71.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX / {$300.00} / Fraud Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Date : XX/XX/XXXX Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 

Trans Union has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the Department of Education federal student loan information. Due to this breach, the terms of the loan are no longer valid and my loans should be forgiven in full and removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hello! Prompted by virtual XXXX friends, to open an account with the CASHAPP, in fact I did open an account with the cashapp with the idea to buy bitcoins and eventually, see my money grow, this was my goal. I have to say that I did not haveprevious experience in it. I asked XXXX of my virtual friend from XXXX to guide me in buying {$1000.00} worth of bitcoins. Following her guidence she told me what the next step was. 
She advised me to click on XXXX XXXX $ XXXX XXXX. Before this point, we had already tried 2 times, each time {$200.00} with a total of {$400.00} making the grand total {$1400.00} worth in bitcoins. On XXXX of the file i'm attaching here is the account number and routing number, which I believe she used to transfer my money, from the cashAAp platform to her own personal account.Routing number XXXX. Account XXXX. 
My intention here is to report scam throughout the social nets. I, like any one else, would love to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an account reporting inaccurate, incomplete, and mismatched data across all 3 of my credit reports. Numerous times I disputed the information with the credit bureaus as if this information was correct, then how can it be reporting differently on all 3 credit bureaus. Ive attempted multiple disputes and each time the credit bureaus state they investigated and determined the items to be verified. 

The credit bureaus FAILED to properly investigate the disputes to ensure accuracy of the mismatched data account and I am requesting a full and complete investigation by then as required by the FDCPA. I am also requesting all documentation used to determine their findings, their method of verification, and a complete detail of how they completed their investigation as required by law. If they can not verify all information is reporting accurately. I request an immediate deletion of the account from my credit reports. 

The account reporting inaccurately and mismatched data by equifax, experien, and transunion is listed as XXXXXXXX XXXX XXXX as a collection. 

All three credit bureaus failed to investigate multiple disputes for this same account previously and I am requesting they be held monitarily responsible and penalized as well as the account be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have tried contacting the auto loan company for years asking that a payment plan be arranged and I am always denied. I have over {$1000.00} in late fees due to me XXXX XXXX XXXX that I had when I bought the vehicle. Every time I call to ask for help catching up they have no solutions. Month after month I am charged late fees because I dont make enough money now to get caught up. I have asked the company to divide the late charges up into a monthly balance. Nothing is offered to me and I have called them regarding this since 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I signed up for KIKOFF Lending , LLC to improve my credit score. It signed me up for an unknown installment plan. Shortly after, unknown to me, the account went into delinquency and was charged off on XX/XX/year>. Over {$8.00}. The company never notified me that I was overdue for {$8.00}. The account was closed, charged off and has been on my credit report for over 38 months. I emailed the company and asked for a Pay-to-delete, which they then told me I would I have to " mail them '' a check for {$8.00}. After I did that, the {$8.00} charged off account remained on my credit report. I recently got in contact with customer service asking for a pay to delete and was able to pay the {$8.00} via the app while opening a new account with them. Yet they haven't honored their part of deleting this {$8.00} account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date XX/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 non-monetary relief
Consumer complaint received 2025-03-16 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 recently got my credit report & noticed fraudulent accounts on my credit report I demand these accounts be removed from my credit report they are hurting my abilities to get a loan on a house & obtain credit

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-16 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open

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 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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: NC

Complaint narrative:
Request for Certification of Accuracy of Information Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( XXXX, XXXX. XXXX. ) Reporting erroneous information without verification constitutes a violation of my rights under : 15 USC 1681i ( 5 ) ( b ) ( Reinsertion of Deleted Item ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) Under the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. You have failed to fulfill this legal responsibility. 
1. XXXX : # XXXX : | Date Fraud Begun : XX/XX/XXXX 2. XXXX XXXX  XXXX : # XXXX : | Date Fraud Begun : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  : # XXXX : | Date Fraud Begun : XX/XX/XXXX 4. Dept of EdXXXX : # XXXX : | Date Fraud Begun : XX/XX/XXXX. Why are these are on my reports and opened XXXX  years ago? 
5. Dept of Ed-XXXX : # XXXX : | Date Fraud Begun : XX/XX/XXXX. Why are these are on my reports and opened XXXX years ago? 
6. Dept of Ed-XXXX : # XXXX : | Date Fraud Begun : XX/XX/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 2025-03-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
Subject : Formal Dispute Incorrect Late Payments Reported by XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late student loan payments by XXXX on my credit report. The reported late payments have caused a significant drop in my credit score, despite the fact that I was enrolled in a payment plan and did not receive proper notification from XXXX regarding my account status. 

Details of the Dispute : Servicer : XXXX Dates of Incorrect Late Payments : XXXX ( past due amount {$1400.00} ) Current Status : Account brought to current status under administrative forbearance Why This Is Inaccurate : 1. Lack of Proper Notification : XXXX failed to properly notify me of my payment status. I was not informed of due dates, past-due balances, or impending credit reporting. Many borrowers have experienced similar issues, which suggests a systemic failure on XXXX part. 
2. Enrollment in SAVE Act & Forbearance : I signed up for the SAVE Plan, and my account was placed into administrative forbearance, yet my credit was still damaged. These late payments should not have been reported. 
3. Massive Credit Score Impact : Due to these reporting errors, my credit score dropped by [ XXXX ] points, causing financial harm.

Company response to consumer: Closed with explanation