vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX that is linked to my online cryptocurrency accounts through the Crypto.com mobile app. Earlier this year in XXXX, there were two unauthorized transactions totaling {$2700.00}. After reporting this to Crypto.com I have an email from their dispute team saying I would be credited the entire amount and since my XXXX XXXX linked to my account was compromised, they forced me to cancel the card and told me they would be sending me a new card. However, it's been over 3 months and I still have not received my new card let alone the provisional credit either.. I have contacted Crypto.com dispute team on several occasions through their mobile app, through email, by calling them as well as sending physical letters but have not been able to get any answers. 

Is there someone who can please assist with this issue? This is a very specific type of XXXX XXXX  that Crypto.com offers, meaning I had to stake {$10000.00} for six months in order to qualify for this specific type of XXXX XXXX that is linked to my cryptocurrency wallets so I have invested a lot time, money and effort in obtaining this specific type of card. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
This is another issue with XXXX XXXX virtual money transfer using my chime debit card which I had in my possession at the time the transactions occurred. My card information was captured somehow and used to transfer money fromm my account to a XXXX XXXX user that I used to be a friend. I was recently XXXX  for a XXXX  XXXX and had XXXX XXXX  as a result. I have been incapacitated for over a month now and haven't been able to go anywhere except to doctors appointments and XXXX XXXX After XXXX I was XXXX to XXXX  XXXXXXXX XXXX XXXX XXXX and I have no vehicle and no means of contacting anyone. 

I once again requested a replacement debit card but haven't been able to get my mail since I've been XXXX. I've contacted XXXX XXXX who stated, " nothing can be done because the transaction didn't show up on my XXXX XXXX account ''. I was since advised to contact bank to dispute. 

I filled a dispute and was told no unauthorized transaction occurred so the charges are valid. I proof that none of the transactions occurred via my XXXX XXXX account and I had my physical debit card with me when the transfers happened. So once again I'm out over XXXX dollars during a time when I lost all of my toes and could barely walk but yet I am clearly a victim of fraud. 

I even found out that the person who owns the account was recently released from XXXX XXXX XXXX XXXX XXXX charge and one day after his release my account was charged using my stolen debit card information. I pointed this out to both the merchant and financial company and it still didn't make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to formally dispute the late payment ( s ) reported on my credit report for the following account : Creditor : XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Date of Reported Late Payment : XX/XX/ 2024 These late payments are inaccurate. The account has been paid on time and in full, and there are no valid grounds for a late payment status. I respectfully request that the account be updated to reflect " Paid as Agreed '' with no late payments, as required by the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666b ( Billing Errors ).

Legal Grounds for Dispute :

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 2025-05-19 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: LA

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-19 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:
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 explanation
Consumer complaint received 2025-05-19 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items. The dispute items do not belong to me. Please block/remove these files. 
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

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-19 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm Inc Account Number : XXXX Account Type : Unsecured Loan Original Balance : {$890.00} Date Opened : XX/XX/XXXX Status : Paid, Closed Closed Date : XX/XX/XXXX Terms : 12 Months Responsibility : Individual Dispute Statement : I am submitting this dispute to address inaccurate and unverifiable late payments reported by Affirm Inc on my credit file. This account, which was paid and closed on XX/XX/XXXX, is currently reporting XXXX late payments ( 30, 60, 60, 60 days past due ) between XXXX and XX/XX/XXXX, which I dispute as false. 

Upon my review : I never received accurate billing statements or notices of delinquency from Affirm Inc . 

I made my final payment in XX/XX/XXXX, which should have brought the account current and closed in good standing. 

The account is being reported as paid and closed, but it also falsely reflects multiple late payments without any supporting documentation or verification from the creditor. 

These late payments are damaging to my credit and are not consistent with my records or with fair reporting practices. 

This account violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that furnishers of credit information ensure that what they report is accurate and verifiable. The reported delinquencies are inconsistent with the accounts closure status and payment history, and appear to be false data entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchase a timeshare on XX/XX/2023 as an investment property from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. We went on a tour of the property and we were told by the salesman that we were owners of the property and we could use it anytime we wanted and we could also rent it and make money. This was all a lie. We did not have ownership and we could not rent the property out and get income. We were also told that if we do not pay the contract would be canceled and the property foreclosed. We paid an attorney to assist us with cancellation and we have been disappointed with the service we received. We have received letters from XXXX XXXX refusing to cancel or foreclose on property. During the tour the salesman told us we had to {$50.00} dollars a year, the price went up to {$350.00} dollars per month. This fraudulent account is delinquent on my credit report {$18000.00} and my credit score is XXXX when it used to be between XXXX and XXXX. I am a XXXX veteran and I was forced to to retire from my job as police officer because of my XXXX and now I am trying to buy a home, but I have been denied because fraudulent mortgage. I need your assistance with getting this issue resolved.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase freedom card. I tried to do a dispute online. Every time it asked me to call the dispute number, it won't let me start the dispute online, this is both a hassle and the inconvenience. I should be able to perform dispute information online and then handle it from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Use chime banking has a feature called my pay allowing to borrow against payroll direct deposit. They decreased my limit by XXXX dollars without any notice and when none of qualifying information changed to justify such a decrease. Tried to speak with numerous agents about this issue most were rude and unprofessional especially agent named XXXX. Asked to be transferred to a supervisor numerous times once transferred supervisor would never enter chat. Requested to have a phone call with a supervisor on 2 separate occasions and was hung up on both occasions. Asked for policy about my pay was not provided with it. A very unprofessional experience chime customer service is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-19 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: TN

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Under FCRA To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries appearing on my credit report. These inquiries were made without my knowledge, consent, or any resulting credit relationship, and therefore, I am demanding an immediate investigation and removal pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) and 1681i. 

Below is a list of the disputed inquiries currently shown on my credit report 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 I have not applied for credit with these companies nor authorized these inquiries. There are also no resulting accounts, which further supports that these entries are inaccurate and potentially fraudulent. 

Therefore, I am requesting the following actions : 1. Immediate removal of all the inquiries listed above from my credit file.

2. A full investigation into the origin of each inquiry.

3. A written explanation of your findings, including the name, contact information, and method of verification used for each inquiry. 

Please note that under the FCRA, you are required to complete this investigation within 30 days of receiving this notice. If these inquiries can not be verified, they must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Under FCRA To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries appearing on my credit report. These inquiries were made without my knowledge, consent, or any resulting credit relationship, and therefore, I am demanding an immediate investigation and removal pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) and 1681i. 

Below is a list of the disputed inquiries currently shown on my credit report 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 I have not applied for credit with these companies nor authorized these inquiries. There are also no resulting accounts, which further supports that these entries are inaccurate and potentially fraudulent. 

Therefore, I am requesting the following actions : 1. Immediate removal of all the inquiries listed above from my credit file.

2. A full investigation into the origin of each inquiry.

3. A written explanation of your findings, including the name, contact information, and method of verification used for each inquiry. 

Please note that under the FCRA, you are required to complete this investigation within 30 days of receiving this notice. If these inquiries can not be verified, they must be deleted from my credit file.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
My info was part of a data breach. It took years before I realized my info was stolen. I have a delinquent account with Radius Global Solutions. I tried to get this account removed, but didn't know at the time it was part of a data breach- so my request was denied. The amount showing owed for this account is {$430.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XXXX XXXX XXXX American Express debited XXXX XXXX dollars from my personal savings account ending in XXXX without my authorization. There has been no documented agreement between myself and American Express to justify this unauthorized withdrawal of funds from my personal savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
my name and personal information was being used without my knowledge and consent.

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 2025-05-19 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: CITIBANK, N.A.
State: MI

Complaint narrative:
my name and personal information was being used without my knowledge and consent.

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 2025-05-19 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: MD

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
Consumer complaint received 2025-05-19 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: MD

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 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