vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: CA

Complaint narrative:
Complaint Against Chime Regarding Account Access and Identity Recovery I am a U.S. veteran currently experiencing homelessness due to a recent robbery in which my backpack, wallet, and debit cards were stolen. As a result, I lost access to my Chime account and no longer remember the login credentials associated with it. I have attempted to contact Chime customer service multiple times to recover my account, but I have been repeatedly denied assistance or the ability to open a new account. 

Chimes refusal to help me recover access to my funds or verify my identity has left me without essential financial resources during a critical time. I have offered to provide personal identification and verification details, but their system continues to block me from creating a new account or retrieving the old one. 

This situation has caused severe hardship and raises concerns about Chimes accessibility and responsiveness to vulnerable individuals in crisis. I am requesting that Chime be required to provide a clear path for identity verification and account recovery for individuals who have lost access due to theft or other emergencies. 

I am seeking : - Immediate assistance in recovering my original account or opening a new one - A formal investigation into Chimes customer service practices and account recovery policies- Assurance that financial institutions like Chime are held accountable for fair treatment of homeless and vulnerable populations Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IN

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Reporting by XXXX Data Breach, FERPA Violation, and FCRA Non-Compliance I am filing this complaint against XXXX for knowingly reporting unauthorized and inaccurate student loan accounts with late payments to my credit report in violation of multiple federal laws and regulations. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be on my credit report for the following reasons : Data Breach & Unauthorized Access My personal information was accessed without my consent due to the DOGE data breach. This breach constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Federal Education Rights and Privacy Act ( FERPA ). XXXX has no lawful basis to continue reporting these accounts after my private data was compromised. 
FCRA 605B Violation Under 15 USC 1681c-2, I have the right to block information resulting from identity theft or unauthorized accounts. These accounts are unauthorized and therefore must be removed immediately. 
Debt Validation Failure Under the Fair Debt Collection Practices Act, XXXX must provide complete debt validation before reporting or continuing to report any debt. I have requested validation and have not received lawful proof of ownership, signed contracts, or legitimate account documentation. 
FERPA Breach DOGEs unauthorized access to my educational loan records constitutes a direct FERPA violation. XXXX failed to safeguard my educational records, and by law, can not continue reporting them to consumer reporting agencies. 
No Consent to Report Federal law requires that a furnisher of information have my authorization to report accounts to consumer reporting agencies. I have not given XXXX such permission. 
Due to these violations, I am demanding the immediate and permanent deletion of these accounts from all credit bureaus. The continued reporting of this information is willful noncompliance with federal law and causes ongoing damage to my creditworthiness and financial stability. 
I am requesting that the CFPB take immediate enforcement action to hold XXXX accountable for these violations and ensure these accounts are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items CXXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-15 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: IN

Complaint narrative:
Formal Complaint Regarding Unauthorized and Inaccurate Reporting by XXXX Data Breach, FERPA Violation, and FCRA Non-Compliance I am filing this complaint against XXXX for knowingly reporting unauthorized and inaccurate student loan accounts with late payments to my credit report in violation of multiple federal laws and regulations. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be on my credit report for the following reasons : Data Breach & Unauthorized Access My personal information was accessed without my consent due to the DOGE data breach. This breach constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Federal Education Rights and Privacy Act ( FERPA ). XXXX has no lawful basis to continue reporting these accounts after my private data was compromised. 
FCRA 605B Violation Under 15 USC 1681c-2, I have the right to block information resulting from identity theft or unauthorized accounts. These accounts are unauthorized and therefore must be removed immediately. 
Debt Validation Failure Under the Fair Debt Collection Practices Act, XXXX must provide complete debt validation before reporting or continuing to report any debt. I have requested validation and have not received lawful proof of ownership, signed contracts, or legitimate account documentation. 
FERPA Breach DOGEs unauthorized access to my educational loan records constitutes a direct FERPA violation. XXXX failed to safeguard my educational records, and by law, can not continue reporting them to consumer reporting agencies. 
No Consent to Report Federal law requires that a furnisher of information have my authorization to report accounts to consumer reporting agencies. I have not given XXXX such permission. 
Due to these violations, I am demanding the immediate and permanent deletion of these accounts from all credit bureaus. The continued reporting of this information is willful noncompliance with federal law and causes ongoing damage to my creditworthiness and financial stability. 
I am requesting that the CFPB take immediate enforcement action to hold XXXX accountable for these violations and ensure these accounts are

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AR

Complaint narrative:
I had a wreck check put on my chime card and I ended losing it and someone used over XXXX dollars off my card in credit so I disputed it and they acted like it was nothing they could do to give me my money back after I disputed the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is submitted as a formal follow-up to my previous complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the FTC Act. I have now submitted a complaint to the FTC ( attached ). 

On XX/XX/year>, I submitted a Method of Verification ( MOV ) request regarding a disputed tradeline. As mandated under FCRA 611 ( a ) ( 7 ), TransUnion had 15 calendar days to provide documentation describing the procedures used to verify the accuracy of the information. Instead of complying, TransUnion initiated an unauthorized reinvestigation on XX/XX/year> - without my consent and in clear violation of FCRA 611 ( a ) ( 7 ). As of today ( XX/XX/year> ), I have received no documentation or explanation. 

TransUnions actions reflect a pattern of systemic noncompliance and denial of consumer rights. These include : Failing to provide the legally required Method of Verification documentation ; Conducting a reinvestigation without my authorization; Obstructing my right to verify information before further reinvestigation occurred ; Prolonging the harm caused by inaccurate and unverified information on my credit report. 

These are not technical errors- they are serious legal violations that affect my financial standing, emotional well-being, and leave me vulnerable to identity theft and fraud, especially as TransUnion continues to report unverifiable data without consumer validation. 

TransUnions refusal to follow proper consumer protection protocol demonstrates a reckless disregard for lawful compliance and the rights of individuals under federal law.

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 2025-08-15 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: IL

Complaint narrative:
I'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified Accounts Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incoannot be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-comp untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged be completely deleted. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$270.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2025-08-15 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: IL

Complaint narrative:
Hi, Im asking for your help to delete accounts from my credit report that I didnt authorize. I was never informed about them. Under USC 1681g, Im requesting removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I cant open no bank account because early warning services has flagged me from all the banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX  XXXX XXXX High balanced {$0.00} XXXXXXXX XXXX XXXXXXXX High balanced {$0.00} XXXX XXXX High balanced {$13000.00} XXXXXXXX XXXX XXXXXXXX High balanced {$32000.00} XXXX XXXXXXXX XXXX balanced {$0.00} XXXX XXXX XXXX High balanced {$200.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXXXX/XX/year>

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 2025-08-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: DE

Complaint narrative:
I see a retail on my credit report and the agency tried manipulating practice to say remember I went to school. I never went there school I never approved this on my credit and they have lies on this credit report I shouldn't have to correct them

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR XXXX XXXX XXXX BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified Accounts Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incoannot be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-comp untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged be completely deleted. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$270.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving Equifax, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to Equifax 's failure to adequately safeguard consumer data. 
Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ]. 
I respectfully request the following actions be taken : 1. A formal written confirmation detailing whether my personal information was affected by the breach. 
2. A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

3. Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file.

4. Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

5. Access to free credit monitoring and identity theft protection services beyond what was previously offered. 
Please investigate this matter and provide a written response within the 30-day period allowed under the Fair Credit Reporting Act ( FCRA ). I expect a resolution that reflects Equifaxs responsibility in this matter and protects me from further harm. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation