vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> an UNAUTHORIZED transaction occurred with my Chime bank account. XXXX transactions of {$190.00} back to back. I immediately called Chime, reported the transaction, froze my accounts and cards. I was told by CHIME to wait and see if the merchant settled the charges. They did XXXX  days later for a total of {$390.00}. 
I have reported to them several times these transactions are not mine. They are done in a completely different state ( XXXX  ) while I live in XXXX. I had used my card not even an hour before hand in XXXX. 
Chime has now denied my dispute several times even when provided evidence that I was at work and clocked in when the transactions occurred. I also provided evidence that there is an open loss prevention case at the XXXX XXXX where I had used my card not even XXXX hour before hand. 
Chime is not providing any evidence that these transactions were mine. It is impossible to get from XXXX XXXX XXXX in the XXXX minutes it took someone to STEAL my card information and use it. 
They have once again denied my dispute just this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

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 2025-03-10 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX Ct, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Subject : Dispute of Credit Report XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute an entry on my credit report regarding XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX, and my Social Security Number is XXXX. I recently reviewed my credit report and found an entry related to XXXX XXXX XXXX that I believe is inaccurate and should be removed. 

Due to a recent data breach, my identity was compromised, and I am concerned that this entry may be a result of fraudulent activity. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that you investigate this matter and remove the inaccurate entry from my credit report. 
The specific entry I am disputing is as follows : Account Name : XXXX XXXX XXXX Account Number : [ Account Number ] Date of the Report : XX/XX/XXXX Please confirm the receipt of this letter and inform me of the outcome of your investigation as soon as possible. I appreciate your prompt attention to this matter. 

Thank you. 
Sincerely, ony XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute an entry on my credit report regarding XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX, and my Social Security Number is XXXX. I recently reviewed my credit report and found an entry related to XXXX XXXX XXXX that I believe is inaccurate and should be removed. 

Due to a recent data breach, my identity was compromised, and I am concerned that this entry may be a result of fraudulent activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove the inaccurate entry from my credit report.

The specific entry I am disputing is as follows : Account Name : XXXX XXXX XXXX Account Number : [ Account Number ] Date of the Report : XX/XX/XXXX Please confirm the receipt of this letter and inform me of the outcome of your investigation as soon as possible. I appreciate your prompt attention to this matter. 

Thank you. 
Sincerely, ony XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-10 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: MI

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

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 2025-03-10 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: LA

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$30000.00} XXXX # XXXX XX/XX/XXXX -- {$710.00} 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 2025-03-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I 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 605B of the Fair Credit Reporting Act.

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 2025-03-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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.

Complaint narrative:
On " XX/XX/XXXX '' one of my cousin has mis used my documents and purchased product costs ( XXXX ) from XXXXXXXX XXXX XXXXXXXX account which is linked to my PAN and adhar. 
loan account details : Consumer Loan Name of member : XXXX Account Number : XXXX Owner ship : Individual As am working as a software engineer from the reputed corporate company, due to some personal medical emergency to my father on " XX/XX/XXXX '' i went to applied personal loan from one of the reputed bank - as a result it was rejected and they intimated the reason for me why its rejected? then i will get to know the above mentioned mis-used details which is reflecting on my XXXX XXXX as soon as i found the details regarding the XXXX i contacted XXXX customer care and as i requested them to send a default payment link to my mobile number to clear the dues. 

Although i have paid and cleared dues and then raised the dispute to the XXXX it went to closed state after XXXX months. by considering my father health issue i requested loan to the lenders bank again it is rejecting du to delayed payments. 

Am requesting you to take the necessary actions on above stated issue and do me a favour to look after my father health condition. Financially i need a loan to get operate my father health condition. 

As i reached to cibil customer care so many times but i dint get a solution from them. kindly hoping a positive sign from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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.

Complaint narrative:
On " XX/XX/XXXX '' one of my cousin has mis used my documents and purchased product costs ( XXXX ) from XXXXXXXX XXXX XXXXXXXX account which is linked to my PAN and adhar. 
loan account details : Consumer Loan Name of member : XXXX Account Number : XXXX Owner ship : Individual As am working as a software engineer from the reputed corporate company, due to some personal medical emergency to my father on " XX/XX/XXXX '' i went to applied personal loan from one of the reputed bank - as a result it was rejected and they intimated the reason for me why its rejected? then i will get to know the above mentioned mis-used details which is reflecting on my XXXX XXXX as soon as i found the details regarding the XXXX i contacted XXXX customer care and as i requested them to send a default payment link to my mobile number to clear the dues. 

Although i have paid and cleared dues and then raised the dispute to the XXXX it went to closed state after XXXX months. by considering my father health issue i requested loan to the lenders bank again it is rejecting du to delayed payments. 

Am requesting you to take the necessary actions on above stated issue and do me a favour to look after my father health condition. Financially i need a loan to get operate my father health condition. 

As i reached to cibil customer care so many times but i dint get a solution from them. kindly hoping a positive sign from you.

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 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I had filed bankruptcy in 2020. The accounts that are still on my credit report was under the bankruptcy and several times I and my attorney reached out to them by email, but mail and proved these needed to come off under the law. We were ignored many times. I have been fighting this issue since 2020. I have emails and proof that the accounts should be deleted off my credit report. 
My Bankruptcy case # is XXXX XXXX from my attorney. He also sent out warning letters to the other account 's all was under my bankruptcy case. 

Good afternoon, Bull City is indeed listed ; Ill ask for a warning letter be sent so that if they continue, our consumer rights attorney can reach out. 
Thank you, XXXX XXXX Bankruptcy Paralegal Law Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: 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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-03-10 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:
Please review and investigate the accounts that are not completely accurate. I kindly request the immediate removal of all incorrect entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Please send a cease and desist letter for removal to the following companies : Needs items to be removed and no longer report on my credit XXXXL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX -Profit and loss write-off XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, SC XXXX closed CAINE & WEINER COMPA XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX - disputed

Company response to consumer: Closed with explanation