vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Subject : Complaint Against Chime Bank for Failure to Investigate Fraud and Support Scam Victims Dear CFPB Representative, I am filing this formal complaint against Chime XXXX XXXX XXXX for their failure to investigate a case of fraud on my account and their refusal to assist me in recovering my stolen funds. Despite my immediate reporting of the issue and submission of supporting documentation, Chime closed my dispute with no follow-up, no transparency, and no evidence of a legitimate investigation. 

On XX/XX/year>, I was contacted by someone pretending to be a Chime representative using the number ( XXXX ) XXXX. The impersonator used standard banking fraud language, prompting me to respond. This ultimately resulted in XXXX unauthorized transactions to individuals I do not XXXX XXXX and XXXX XXXX are confirmed Chime users. The transfers totaled {$1400.00} : - {$1000.00} to XXXX XXXX - {$130.00} to XXXX XXXX - {$110.00} to XXXX XXXX - {$210.00} to XXXX XXXX Chime marked these transfers as 'Settled ' and denied my claim under Claim ID XXXX. They failed to : - Investigate the phone number that contacted me- Determine whether the recipient accounts were involved in other suspicious activity - Share any information with me that could be used in a police report - Provide a breakdown of their investigative process or findings- Notify me of any attempt to block or close the scammers account This failure to support a victim of fraud, especially when the scammer is a known Chime user, is unacceptable. Additionally, Chime has not disclosed any internal procedures for fraud investigations or any information about whether they contacted the recipients or took disciplinary action. 

As a victim, I am left with no answers, no help, and no money. I am requesting that the CFPB look into XXXX fraud investigation policies and consumer support protocols. I would also like to know whether they are required to provide information to customers in order to file police reports and what accountability exists when XXXX Chime customer scams another. 

Attached are : XXXX. Screenshots of the scam messages XXXX. Chimes email denying my claim XXXX. Screenshots from the Chime app confirming transactions XXXX. Evidence that I do not know or have any relationship with the recipients Thank you for your time and assistance. I am happy to provide further documentation if needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
Subject : Inaccurate and Unverified Collection Account Reported by XXXX XXXX I am filing this complaint regarding a collection account reported by XXXX XXXX, originally from XXXX XXXX XXXX showing on my credit reports with TransUnion and XXXX. The account number ends in XXXX and the balance is reported as {$570.00}. 

Despite previously disputing this account, it continues to appear as a derogatory collection on both bureaus. The account status is inconsistently reported : TransUnion shows the account as open and still derogatory, with the remark Dispute resolved ; reported by grantor. 
XXXX  shows the account as closed and derogatory, with the remark Account was in dispute- now resolved. 

I submitted written disputes, but neither bureau nor XXXX XXXX has provided any proper documentation to validate this debt. No contract, no signed agreement, no payment history, and no verification of XXXX  legal right to collect on this alleged balance has been provided. 

This inconsistent, unverifiable, and potentially inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have also received no IRS Form 1099-C , so it is unclear whether the debt has been charged off or canceled. 

Requested Resolution : I respectfully request that the CFPB : 1. Require XXXX XXXX to provide full validation of the alleged debt, including assignment from XXXX XXXX balance breakdown, and original agreement. 
2. Instruct TransUnion and XXXX  to either provide full verification or remove the account entirely. 
3. Investigate any potential FCRA and FDCPA violations related to how this account has been handled, verified, or reported. 

I have attached my original disputes, proof of identity, and excerpts from my credit reports for your review.

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 2025-07-01 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:
XXXX XXXX XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

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. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries 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 XXXXXXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-01 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Claim # XXXX Claim # XXXX Both the above mentioned claims were arbitrary denied without even giving me the reason moreover if my bank isn't supporting me then whom shall I expect to support? any claim that is raised before Wells Fargo Bank N.A. its simple denied and closed without even giving me the update. The bank is not bothered/ least interested as its not their money but since its my legitimate amounts I am very bothered. this had to be brought up as im being deprived of my legitimate rights and amounts.

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 monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have a few late payments on my credit report, which is not allowing me to get a higher score, also my student loan was written off under the XXXX administration since XXXX, and still getting letter from the finance company with additional interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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
Consumer complaint received 2025-07-01 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My business debit card was stolen years ago and its affecting me to be able to get a new business account. They got my chase business debit card and checking account charged off and it is affecting my credit. It is also hurting chexsystem under my name. I have no knowledge of someone using my card until now. I reported it stolen with police years ago but they didnt cancel the card. I told the bank they said they cant do anything with out a police report that Ive provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> I attempted to withdraw {$1000.00} from my Robinhood account. A message appeared saying the transaction failed because the money was not going back to the original account it came from. I attempted to withdraw to the original account, and the transaction failed again and my account was locked from buying assets or withdrawing funds. After contacting Robinhood, I was told they would reach out to me by XX/XX/XXXX for further steps. On XX/XX/XXXX they requested bank statements for the bank account linked to my Robinhood account. Robinhood told me they would review my documents by XX/XX/XXXX, then the next day they said by XX/XX/XXXX, now it is saying XX/XX/XXXX. 
This constant moving of deadlines is unacceptable and appears to be a delay tactic. 
I now have approximately {$18000.00} worth of assets including cash in my account that I am unable to access indefinitely. 



Why are you filing this complaint? 
Robinhood is restricting my access to my own assets and is providing no reasonable path to resolution. There are numerous documented cases online where customers in similar situations have been delayed for months or even over a year. I am trying to proactively prevent this from happening to me by filing this complaint now. 

I have contacted Robinhoods customer service multiple times and have fully complied with all of their requests. Despite this, they continue to delay the resolution of this issue without transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I filed a dispute with Bank of America in regards to a debit card transaction from XX/XX/XXXX for {$1500.00}. Bank Of America denied my claim and closed it out stating that the merchant had provided extensive documentation which I am not aware of nor have I ever signed or supplied any agreement to the merchant, outside of signing the receipt. The only documentation between myself, and the merchant were text messages and photos acknowledging that the full service was not provided. Bank Of America did not ask me for any supporting documentation through mail or through the message center in the claims section, prior to closing this claim. Any supporting documents the merchant sent are fraudulent. Now Bank Of America is telling me that I must go to a bank with a written letter to appeal, this seems absolutely ridiculous as they shouldve asked me for supporting documentation while the claim was 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
Previously used services provided by this company. Have since stopped using services and wish to delete account with this company, however, there is no option to delete the account online and instructions indicate that we must call a number. The chatbot gives XXXX number, the website lists another, the line to call just sits on hold, despite saying they are enthusiastically available XXXX. It seems as though they want to trap people into their product, leaving few options for resolution. This company is a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
In addition to contacting XXXX, I have submitted formal disputes with Equifax XXXX XXXX XXXX using the XXXX app on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. With each dispute, I explained thoroughly and informed Equifax that I had been in contact with XXXX to resolve the inaccuracies. Currently, it is still not resolved. 

As a consumer, I have made every reasonable effort to notify both XXXX and Equifax of this ongoing issue. The continued reporting of incorrect loan balances is not only misleading but XXXX also constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information provided to credit reporting agencies be accurate and that any disputed data be promptly investigated and corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-01 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank shut down my account without any explanation nor did they give me any information about my 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 2025-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief