vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am filing a complaint against Chime regarding Claim ID XXXX for {$1400.00}, account ending XXXX. The payment was part of a criminal rental scam conducted by strangers XXXX XXXX and XXXX XXXX, who posed as landlords of XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

The legitimate property manager, XXXX XXXX XXXX, has confirmed in writing that XXXX XXXX and XXXX XXXX have no affiliation with them or this property and had no legal right to collect rent. 

I sent Chime all evidence including : Police Report XXXX documenting this as fraud Bank statements showing the Chime transfer to the scammers All correspondence between myself and the scammers A direct written admission from XXXX XXXX stating : I let you inside my home without knowing who you are. I sent you the lease. I sent you the receipt for deposit paid. I sent you a selfie of me with my ID. I believe that alone shows I own the property. If you don't feel comfortable in renting my home I can make a refund back of the deposit This is a clear written acknowledgment from the recipient that : They received my deposit. 

It was refundable. 

They offered to return it. 

This proves the payment was not a Pay Friends transaction, was made under false pretenses, and is fully disputable. 

Despite this, Chime closed my claim with the determination no error occurred, which is false. These individuals are not my friends or acquaintances. They are strangers who used deception to take my money. 

As a direct result of this fraud : My children and I are now without a home I turned on utilities for the property in my name based on their false representations I have suffered significant financial loss and emotional distress I am requesting that the CFPB require Chime to : Reopen my claim immediately Review all provided evidence including the recipients admission, police report, and property manager confirmation Refund the {$1400.00} stolen from me I am also requesting copies of all documents Chime used to reach their denial decision so I can understand why clear evidence of fraud was disregarded. 

Documents to upload in CFPB portal : Police report ( XXXX ) Bank statement showing payment to XXXX XXXX / Chime account Screenshot of XXXX admission message Email or statement from XXXX XXXX XXXX confirming no affiliation Copy of the denied claim letter from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Law Offices of Kimball , Tirey & St. John LLP XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX DEBT VALIDATION REQUESTED Date : XX/XX/year> To Whom It May Concern : This letter is being sent to you in response to a notice sent to me regarding disputed account reference # XXXX. 

Be advised this is not an admission nor refusal to pay, but notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices to provide me with evidence whether or not I have any legal obligation to pay you, including the following documentation : 1. The final court judgment of {$0.00} entered in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
2. Agreement with the creditor that authorizes you to collect on this alleged debt.

3. The agreement bearing my signature that I have agreed to assume the debt.

4. Valid copies of the debt agreement stating the amount of the debt and interest charges.

5. Proof that the Statute of Limitations has not expired.

6. Complete payment history of this account along with an accounting of all additional charges being assessed.

7. Proof that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX, or XXXX  ) this action may constitute fraud under both Federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Very Truly Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 see hard inquiries on my credit report that I do not recognize. I would like this investigated and removed from my credit report. I do not recognized this and it must come off. I filed a report and see the attached document.

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 2025-08-13 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: TX

Complaint narrative:
I see hard inquiries on my credit report that I do not recognize. I would like this investigated and removed from my credit report. I do not recognized this and it must come off. I filed a report and see the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see hard inquiries on my credit report that I do not recognize. I would like this investigated and removed from my credit report. I do not recognized this and it must come off. I filed a report and see the attached document.

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 2025-08-13 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc

Complaint narrative:
On XX/XX/year>, Affirm locked my account because they said that there was suspicious activity. I already verified my identity prior to receiving the loan. I checked on the app to see if it has been processed on Affirm as it went through via the merchant, then I was kicked out of the app. I was charged {$60.00} on Affirm for the loan down payment on XX/XX/year>. Before being kicked out on the app, I checked to see if the loan was finished processing and it said something about it will be processed once my order has been shipped. I do not understand why my account has been locked, because I am 10000000000 % who I am. I have uploaded my ID as well as my social security number and a selfie that they requested from me when doing the transaction. Please help me with this. As I do not want it to be a case where I have this loan that I can not pay for because they turned the auto payment off and I do not have access to the application whatsoever in order to keep track of the payment schedule. Please please please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information 's reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-13 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: FL

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

1681c2 ) that you, the TransUnion 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 XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern, This statement is to document the severe case of identity theft I have experienced, which has led to unauthorized fraudulent activity on my Bank of America account. The purpose of this report is to provide a precise timeline and description of the events that have transpired. 
On or about XX/XX/year>, I discovered a series of unauthorized transactions on my Bank of America account. These transactions were not initiated by me and are a direct result of my personal information being compromised. Upon this discovery, I promptly notified the bank and filed the necessary reports. 
Despite my immediate actions, my account was subsequently flagged for " suspected fraud activity. '' This classification is inaccurate and unjust. I am a victim of this malicious act and have been wrongfully impacted by the actions of an unknown third party. This situation has caused significant disruption to my financial life and has unfairly cast doubt on my integrity. 
I am providing this detailed account to affirm my status as the victim of this crime. The fraudulent charges on my account are in no way a reflection of my actions. I am requesting a thorough investigation into this matter to rectify my account status and to assist in the broader investigation of the identity theft. 
I am ready and willing to provide any further documentation required to substantiate my claim and will cooperate fully with all investigative efforts.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I request that the credit bureaus and furnishers immediately reinvestigate each disputed late payment. If the creditors can not provide documented proof that proper notice of the due date and missed payment was sent before reporting the delinquency, these late marks should be permanently deleted from my credit file. I also request written confirmation of the results of the investigation and, if applicable, an updated copy of my credit report reflecting the removal of the inaccurate items within the timeframe required under the FCRA. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-13 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: OH

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 2025-08-13 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: FL

Complaint narrative:
I constantly contacted Equifax to remove and inaccurate inquiry from XXXX XXXX  that hades been effecting my credit reports since reported on XX/XX/2025. I wrote them a removal letter on XXXX XXXX. They informed me that the inquiry was factual and would remain on my credit file for two years. I sent them a method of verification letter on XX/XX/2025 which was received on XX/XX/2025. Explaining what type of investigation this process took and verification of the inquiry. Also documents of evidence used to confirm the legitimacy. I also demanded removal of this inaccurate information 15 days of the receipt of the letter in which is well past due of XX/XX/2025. I havent got an response from Equifax i called multiple times and havent made any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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