vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I reported unauthorized debit transactions totaling {$96.00} on my Chime account ending in XXXX ( Claim ID : XXXX ). At the time, some charges were pending. Those charges have since posted. 

Chime denied that claim, sent me a no error occurred letter, and closed it. However : 1. Chime did not include all of the transactions I originally reported in their investigation.

2. Some charges were pending when I reported them but have since posted, which constitutes new evidence.

3. After escalation, Chime was forced to open a new case for the same transactions showing their first investigation was incomplete.

This is not the only time this has happened. I have had multiple prior disputes denied by Chime in the same manner either closed prematurely while charges were pending, or without investigating all transactions I reported. In every case, I filed my disputes within the 60-day deadline required under Regulation E.

-- - Why this is a problem : Regulation E ( 12 CFR 1005.11 ) requires financial institutions to investigate all reported unauthorized transactions, not just some.

Chime has a pattern of ignoring transactions, closing claims while charges are still pending, and then refusing to re-open when they post.

Chime also repeatedly denied my requests for provisional credit, despite financial hardship.

Opening a new case only after escalation demonstrates the first investigation was mishandled. 



-- - Requested resolution : -- - Supporting details : Account ending in : XXXX Claim ID : XXXX ( denied ) New case opened after escalation XXXX Dates : All disputes reported on time ( within 60 days of the statements ) Each denial failed to include all transactions or address pending-to-posted charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
Equifax is violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ) by allowing XXXX XXXX to reappear on my credit report after it was previously removed under an Identity Theft Block request. Once a block is placed, the FCRA strictly prohibits reinsertion unless the furnisher provides certified proof the account is not identity theft, and the consumer must receive notice within XXXX business days. I received no such notice, and Equifax has unlawfully reinserted this account. I am demanding immediate removal, written confirmation that the account will not be reinserted again, and investigation into Equifaxs failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
b'Affirm INC\XXXXAffirm INC\XXXXXXXXAffirm INC\XXXX\nAffirm INC\XXXXAffirm INC\XXXXAll accounts were the results of my ex wife stealing my identity/social security number and this company allowed her to take out credit cards in my name fraudulently. The credit card company did let me know over the phone that the cards were sent to one of her previous addresses and I confirm that with the credit card company. They have refused to remove the negative credit reporting to the credit bureaus.\nHer name is XXXX XXXX XXXX and her address at the time of the fraud was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need a copy of this report to give to XXXX  to try to have this removed off my credit. All of the above listed accounts were charged off. All of the credit cards were taken out around XXXX XXXX XXXX . My address for the last XXXX XXXX  years has been, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
I have been a victim of Identity theft. Experian, Transunion and Equifax are violating my rights. I have disputed with multiple attempts. I have provided all necessary documentation. Police report, FTC report, along with ID verification.

Subject : Fraudulent Account Dispute & Request for Blocking Under FCRA 605B ( 15 U.S.C.

1681c-2 ) Dear Equifax, I am writing to dispute the following fraudulent accounts that appear on my credit file. These accounts were opened fraudulently and do not belong to me. I did not authorize them, nor am I responsible for any charges related to them : - XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3000.00} - XXXX  ( XXXX ) Account Number : XXXX Balance : {$3600.00} - XXXX Account Number : XXXX - XXXX  XXXX - XXXX {$7200.00} - XXXX {$400.00} - XXXX {$330.00} - XXXX {$580.00} - XXXX {$210.00} - XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX Balance : {$4000.00} - XXXX XXXX XXXX ( Collection Account ) Balance : {$5400.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), you are required to block and remove all information resulting from identity theft from my credit file within 4 business days of receiving :

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 2025-08-28 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: IN

Complaint narrative:
I have been a victim of Identity theft. Experian, Transunion and Equifax are violating my rights. I have disputed with multiple attempts. I have provided all necessary documentation. Police report, FTC report, along with ID verification.

Subject : Fraudulent Account Dispute & Request for Blocking Under FCRA 605B ( 15 U.S.C.

1681c-2 ) Dear Equifax, I am writing to dispute the following fraudulent accounts that appear on my credit file. These accounts were opened fraudulently and do not belong to me. I did not authorize them, nor am I responsible for any charges related to them : - XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3000.00} - XXXX  ( XXXX ) Account Number : XXXX Balance : {$3600.00} - XXXX Account Number : XXXX - XXXX  XXXX - XXXX {$7200.00} - XXXX {$400.00} - XXXX {$330.00} - XXXX {$580.00} - XXXX {$210.00} - XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX Balance : {$4000.00} - XXXX XXXX XXXX ( Collection Account ) Balance : {$5400.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), you are required to block and remove all information resulting from identity theft from my credit file within 4 business days of receiving :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} FNCC - Account Number : XXXX XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear XXXX, I'm reaching out regarding an account from LVNV Funding that has appeared on my credit report. I do not recognize this lender, and to my knowledge, any accounts I held during the time this debt is alleged to have originated have either been paid off or are currently being paid as agreed. 

I have no known relationship with LVNV Funding, and their repeated presence on my credit file is negatively affecting my credit score and directly impacting my ability to secure financing, maintain housing stability, and pursue income opportunities. 

Im asking for your assistance in reviewing this matter and helping facilitate a resolution or investigation if possible. If XXXX has any connection to this account or further information, I would appreciate your help in clarifying or disputing its validity. 

Thank you for your time and support. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: KY

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts are being reported on my consumer credit file that do not belong to me. Despite providing an FTC Identity Theft Report and supporting documents to the credit reporting agencies, they have failed to block the fraudulent accounts within the time required by law. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} collection account ( Experian & TransUnion, opened XX/XX/XXXX ). 
XXXX XXXX  {$9200.00} charged-off revolving account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XX/XX/XXXX ). 
XXXX XXXX  {$340.00} charged-off secured account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX {$63.00} collection account ( Equifax, opened XX/XX/XXXX ). 

I never applied for or authorized these accounts. My personal information was compromised in major data breaches, including the XXXX Equifax breach ( XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  ) and the XX/XX/XXXX global password breach ( XXXX XXXX credentials exposed worldwide ). 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report # XXXX ) through IdentityTheft.gov. I also submitted proof of my identity, address, and a list of fraudulent accounts to the CRAs.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), CRAs are required to block identity theft-related information within four ( 4 ) business days of receiving an identity theft report and proper identification. The CRAs have failed to comply.

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 2025-08-28 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: KY

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts are being reported on my consumer credit file that do not belong to me. Despite providing an FTC Identity Theft Report and supporting documents to the credit reporting agencies, they have failed to block the fraudulent accounts within the time required by law. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} collection account ( Experian & TransUnion, opened XX/XX/XXXX ). 
XXXX XXXX  {$9200.00} charged-off revolving account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XX/XX/XXXX ). 
XXXX XXXX  {$340.00} charged-off secured account ( Experian, Equifax, TransUnion, XXXX XX/XX/XXXX, closed XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX {$63.00} collection account ( Equifax, opened XX/XX/XXXX ). 

I never applied for or authorized these accounts. My personal information was compromised in major data breaches, including the XXXX Equifax breach ( XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  ) and the XX/XX/XXXX global password breach ( XXXX XXXX credentials exposed worldwide ). 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report # XXXX ) through IdentityTheft.gov. I also submitted proof of my identity, address, and a list of fraudulent accounts to the CRAs.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), CRAs are required to block identity theft-related information within four ( 4 ) business days of receiving an identity theft report and proper identification. The CRAs have failed to comply.

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 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX FIRST - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had an account with Navy Federal Credit Union and everything was fine for a while until on XX/XX/XXXX I was trying to receive a payment from a tenant of mine. The payments werent able to be completed for whatever reason so me and him settled the payment another way. THERE WERE NO FUNDS DEPOSITED INTO MY ACCOUNT FROM THESE FAILED ATTEMPTS. This was after I had just received a decent payment for another transaction I had made on XX/XX/XXXX so I figured I just had to call and have them either increase my limits or see what the time period for me to successfully receive my funds. I was informed that the transactions were flagged by XXXX for an unknown reason and that I would have to wait until XXXX concluded their investigation to go back to using XXXX. Mind you NO FUNDS EVER DEPOSITED TO MY ACCOUNT FROM THESE TRANSACTIONS. So naturally, be it that from my understanding everything was legitimate I waited it out. I received an email on XX/XX/XXXX saying my XXXX profile was locked and received no explanation as to why after I called XXXX and Navy Federal the same day. The only thing Navy Federal could tell me was that XXXX was reviewing some transactions that I had made from my XXXX and that it had to be the payment I received on XX/XX/XXXX. I provided what information I could to the member services agent I spoke to about that particular transaction AND all other transactions within that same time frame. The agent assured me with what I provided that it would be fine and my account wouldnt be closed but my access to XXXX would be restricted for the time being. So today, XX/XX/XXXX, I received an email stating my access was restricted. When I seen the email I immediately called and was told that my account was being closed because they had evidence I was an active participant in fraud and there was no way to appeal or dispute further. Im not sure what evidence they would have of fraud when all transactions made were while I was standing in front of the person or on the phone with the person making them. Nothing about that in its entirety says I participated in any fraudulent activity. They provided no details aside from it being a failed transaction. A FAILED TRANSACTION. Again, none of these transactions were even INITIATED without face to face interaction. Therefore, what evidence of fraud would this institution have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am submitting this dispute to Experian regarding multiple inaccurate items on my credit report that have caused me financial harm and stress. The addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX are both incorrectly listed on my credit report. I have never resided at these addresses nor authorized them to be associated with my credit profile. Their continued reporting is erroneous and misleading. XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$14000.00} is reporting late payments that are false. I have consistently made timely payments and have documentation to support this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} are incorrectly reporting late payments despite my full compliance with the payment schedules. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$4500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$3800.00} are also inaccurately showing late payments. XXXX  XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a XXXX balance is being incorrectly reported as late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1400.00} continue to report false late payments. XXXX  XXXX account XXXX with a high balance of {$640.00} opened on XX/XX/XXXX is incorrectly showing a charge-off when this account has been paid or resolved. All of these inaccuracies violate my rights under the Fair Credit Reporting Act Sections XXXX, XXXX, and XXXX, which require accurate, complete, and verifiable reporting. I request that Experian conduct a thorough reinvestigation of all these items, correct or delete all inaccurate information, and provide written confirmation of the results. The presence of these erroneous entries continues to harm my creditworthiness and must be resolved immediately.

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 2025-08-28 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:
I am disputing a collection account from XXXX XXXX XXXXXXXX showing on my XXXX report. On XX/XX/2025, I sent a debt validation letter to the company, asking for proof that I was responsible for this debt, including : A lease or application with my signature Documentation proving they have the right to collect and report it Proof I gave permission for my personal data to be transferred to this collector To this day, I have not received a single document. XXXX is still allowing this unverifiable collection to report. This violates FCRA 15 USC 1681s-2 ( b ). You are required to delete inaccurate or unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief