vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime XXXX XXXX XXXX. 
Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX And : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Formal Complaint Ongoing Denial of Provisional Credit for Unauthorized Transactions ( Regulation E Violation ) To Whom It May Concern, I am submitting this formal complaint against Chime Financial , Inc. regarding its failure to uphold my legal rights under the Electronic Fund Transfer Act ( Regulation E ). I am also copying the Consumer Financial Protection Bureau ( CFPB ) to request federal oversight and enforcement action. 

I reported multiple unauthorized transactions on my Chime account. With the assistance of a Chime employee, I confirmed that many of these charges originated from other states and even foreign countrieslocations where I was not present at the time of the transactions. I have provided supporting evidence demonstrating my physical location during these unauthorized charges, proving that I could not have made or authorized them. 

Despite this clear evidence, Chime has not issued the required provisional credit, as mandated by law. It has now been well beyond the ten-business-day window, and I have not received any temporary relief while this matter remains unresolved. 

As a result of Chimes failure to comply with legal requirements, I am now in a critical financial situation. I have no access to funds for basic necessities, can not pay my bills, and am experiencing extreme emotional and financial distress due to this inaction. This is unacceptable and legally indefensible.

Under Regulation E ( 12 CFR 1005.11 ) : Financial institutions must provisionally credit the consumers account within 10 business days if more time is needed for an investigation.

Final determinations must be made within 45 days ( or up to 90 in certain cases ), but provisional credit must not be withheld unjustly. 
I am demanding the following : Immediate issuance of provisional credit for the full amount of the disputed transactions.

A formal written explanation detailing the reasons for the delay and the steps being taken to resolve this matter. 

Review and enforcement by the CFPB for potential regulatory violations. 

I expect a full response and resolution immediately. I also reserve the right to take further legal action if this matter continues to go unresolved. 

Sincerely, XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
KeyBank placed a fraud hold on your account on XX/XX/year>, without cause. I did not commit any fraud. I dont have access to any account that has or has had any fraudulent activity. 
the executives were aware by XX/XX/XXXX, but no resolution has been provided. 
All Im being told is its under investigation. They cant tell me why? For how long? Nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
My XXXX  XXXX  check was being sent to my XXXX  account. After about XXXX checks coming through with no problems then all of a sudden they froze the account. When I called they asked me to send his XXXX  information, a copy of his ID a copy of my ID. I provided everything they asked for But they will not release the funds this has been since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-09 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: MD

Complaint narrative:
I am writing to formally dispute a collection account reported by XXXX XXXX XXXX ( Account # XXXX, originally from XXXX XXXX XXXX. This account is not mine and is the result of identity theft. 

In XXXX, I was a victim of identity theft, which I have reported to law enforcement. An official police report was filed in relation to the identity theft. The account in question was fraudulently opened without my knowledge or authorization. 

I have already addressed a similar issue with another fraudulent account under XXXX, which has since been acknowledged. I am requesting XXXX XXXX XXXX immediately delete this account from all consumer reporting agencies, as it is not a valid debt incurred by me. 

Here are the account details for your reference : Creditor : XXXX XXXX XXXX Original Creditor : Klarna Credit Account Number : XXXX Original Balance : {$410.00} Current Status : Collection Account ( Reported as past due as of XX/XX/XXXX ) Opened : XX/XX/XXXX Balance Paid Off : 0 % Status Updated : XX/XX/XXXX This fraudulent account is harming my credit and financial well-being. I am requesting the CFPBs assistance in investigating this matter and ensuring XXXX XXXX XXXX deletes this account immediately. 

I can provide a copy of the official police report and any additional identity theft documentation as needed. 

Thank you for your time and assistance in resolving this matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-09 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-05-09 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: KY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
i was looking at my bank statement in XXXX and noticed my credit rating went from excellent to poor. When i looked at the loans i noticed XXXX unsecured loans i never applied for and have been trying to have them removed since then. I have already reached out to the XXXX Fraud department and filed a complaint. I have submitted a XXXX Police Report ( incident XXXX ) Financial Identity Theft, Tracking number XXXX. The loan company is Affirm and I have already been in contact with them, the Affirm case ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CT

Complaint narrative:
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!

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Requested a validation notice got some of the information but not a way to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request the deletion of all negative and derogatory items on my credit reports maintained by the three major credit reporting agencies : Equifax, Experian, and XXXX. This request is based on severe and ongoing violations of my rights, gross negligence in protecting my personal data, and the resulting damage to my credit profile and financial well-being. 

My Social Security Number and other sensitive information have been exposed due to multiple data breaches, including the widely publicized Equifax breach. This exposure has led to my personal information being available on the dark web, putting me at risk for identity theft and fraudulent activity. Despite the breach and the harm caused, I received a settlement check of only {$1.00}, which is not only inadequate but a profound insult considering the scale of damage done to my financial standing and creditworthiness. 

As a result of these failures and inaccuracies, my credit score has plummeted from the XXXX to the XXXX, causing me to be denied a critical loan and experience substantial financial hardship. I am a XXXX patient dealing with medical and financial stress, and the unjust reporting has only exacerbated my situation. Additionally, hospital bills I did not owe were reported to collections and remained on my credit report even after dispute and correction. Some previously removed or corrected items have inexplicably reappeared, further harming my credit and violating the Fair Credit Reporting Act ( FCRA ). 

I demand a full and immediate investigation and the permanent deletion of all inaccurate, unverifiable, and outdated items from my credit reports. Continued reporting of false and harmful information constitutes willful noncompliance and causes irreparable harm to a vulnerable consumer already facing extraordinary personal and financial challenges. 

This letter is a formal demand for remediation and justice. I reserve the right to pursue all available legal remedies if these issues are not resolved promptly and fairly.

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 2025-05-09 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: RI

Complaint narrative:
My credit score dropped by exactly XXXX points on each credit bureau, and I found out that it was because someone had added my name to their XXXX credit card without informing me and without my knowledge or approval. That person maxed their card out to {$4000.00} and my score dropped by exactly XXXX points. 

I filed a dispute with each bureau, XXXX XXXX and Experian, and the former XXXX bureaus had removed that report from my record and my score went back up XXXX points not long after. Experian did not respond to my dispute and XXXXXXXX XXXX has been extremely deceptive, unkind, and unhelpful in helping to resolve the issue. Experian also has been unresponsive, and my score is still way lower than it used to be before the error occurred, whereas the other XXXX bureaus were quick, thorough, efficient and helpful. 

Please help me resolve this situation.

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 2025-05-09 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-09 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-09 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
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!

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 2025-05-09 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:
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 XXXX 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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