vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
XXXX XX/XX/year> - I attempted to transfer {$1000.00} of crypto assets. The transaction was blocked and I was directed to contact Gemini support ( Gemini is the cryptocurrency platform in question ). I contacted them via email which is the only means a customer can contact them. I emailed them immediately and later on that evening they replied and directed me to upload a picture of my face, driver 's license and a handwritten not denoting the date the picture was taken and sent along with a seven-digit code written below.

Later that evening an agent named XXXX emailed confirmation that they'd received the document and that they were conducting an investigation. 
XXXX XX/XX/year> - I sent them an email inquiring about how long the investigation would take. 
XXXX XX/XX/year>- Gemini responding with a series of questions about my account activities and documentation of account ownership and a screenshot of my wallet dashboard. I complied with their requests. 
XXXX XX/XX/year> - An agent named XXXX thanked me for the information and wrote that he would follow up with me as soon as he had the next steps. That was the last time that I heard from Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

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
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed there are fraudulent accounts on my report. They affect my ability to obtain credit. Please remove all fraudulent accounts from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
I recently reviewed a copy of my credit report and I noticed there are fraudulent accounts on my report. They affect my ability to obtain credit. Please remove all fraudulent accounts from my report 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 2025-05-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/year>. {$9300.00} was reported on my credit report as the wrong amount. And has been charged off and sold to a third party and still trying to sue me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Nelnet, Inc.
State: GA

Complaint narrative:
XX/XX/year>. {$9300.00} was reported on my credit report as the wrong amount. And has been charged off and sold to a third party and still trying to sue me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX 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 AND TRAFFICKING. 

Account Name : XXXX XXXX  XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime Financial , Inc. regarding an unauthorized transaction on my account. 

Details of the dispute : Transaction Amount : {$330.00} Transaction Date : XX/XX/year> Merchant : XXXX XXXX Claim ID : XXXX I filed a dispute with Chime for the unauthorized charge, and I contacted XXXX XXXX, which confirmed in writing that I did not purchase the ticket and have no association with the reservation. I submitted this confirmation to Chime. 

Although Chime responded with a transaction report, they did not provide a detailed explanation of the evidence they used to deny my claim. I have since requested a full explanation and a reinvestigation of my case but have not received a clear response. 

I am requesting the CFPBs assistance to ensure a proper reinvestigation of my claim and a refund of the {$330.00} unauthorized charge. 

Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX Chime Account ( last XXXX digits ) : XXXX Claim ID : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
Card wasnt authorized to be used by me, left at sisters place younger nephew had access to phone and made unauthorized purchases with my card. Card declined dispute said i was responsible for purchases, how am i responsible when i didnt authorize transactions amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all on tuesday XX/XX/XXXX i filed dispute company denied dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Affirm installment plan was made for a dna test purchase from XXXX there was an issue with the product and XXXX did a chargeback and the money was sent back to Affirm. I had made payments already to affirm before the chargeback was made. I arranged a 3way call between myself, XXXX and an affirm representative, this was after NUMEROUS calls trying to rectify the situation and i only got the runaround, and no one solving this problem. The phone call with XXXX owner verified that the charges were sent back to affirm and the representative still could not and would not resolve the issue. * * to note, i received an email from affirm stating that the balance was paid in full on XXXX of XXXX they gave me no explanation as to WHY they were once again charging me and thus creating incorrectly reporting a 60 day delinquency to the credit bureaus for the amount of {$25.00}! XXXX of XXXX I paid affirm another {$100.00} for which they sent another email stating that the account was paid in full. I want the negative reporting and affirm removed from all 3 credit bureaus- I have outstanding credit and have never been late with any payments at all. affirm is fraudulent in their practices and there really needs to be major oversight of this company and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent account from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent account identified in my Identity Theft Report. Below, you will find the listed account that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance {$4000.00}

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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
loan was paid off by bank and gap insurance paid off the amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I am filing a complaint regarding a charge-off account being reported inaccurately on my credit report by Equifax. The account, which was charged off with a balance of {$6900.00}, is continuing to reflect monthly balances consistently through XXXX, XXXX, and into XXXX, despite no payments being made and no active agreement in place. 

According to the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX XXXX reporting standards, once an account is charged off, it should no longer reflect ongoing monthly activity unless payments are being made or a new payment arrangement has been established neither of which applies to this case. 

This type of reporting misrepresents the true status of the account and creates the false appearance of continued delinquency or activity, commonly referred to as " balance cycling. '' This practice is deceptive and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
To whom this concern : Im am victim of identity theft. data breach from XXXX.and data from XXXX. I have reached out to XXXX XXXX, XXXX XXXX, AND XXXX XXXX  to get this matter resolved. I have sent TRANSUNION, XXXX XXXX, XXXX XXXX, AND XXXX XXXX  Identity theft, FTC Report and police report. To provide that my identity have been used without my permission. Transunion has deleted and blocked these accounts when I sent in the Fair Credit Act reporting Section 605 ( 15 U.S.C. and 1681c-2 ) and 611 ( a ) ( XXXX ) ( A ). They reinstated the fraudulent account back on my credit report. I have applied to the Fair Credit Report Act to get this resolved. They are not following the federal guide on dealing with identity theft process protecting my rights. by TRANSUNION not following federal guide line. I'm not able to purchase a home or get a promotion with my job as well. Im also in a class action lawsuit against Transunion for the following violations mentioned. For violating my rights. PLEASE HELP ME RESOLVE THIS MATTER. I will send all documents to support and show identity theft on my behalf.

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 2025-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am the beneficiary of a XXXX account currently held under the name of XXXX XXXX. I am now XXXX XXXX XXXX and legally an adult. I am requesting that all funds withdrawn from this account be returned and that the account be transferred into my name. 

I have hired an attorney and will be issuing a subpoena for all bank statements associated with this account. The most recent address linked to the account, as of two weeks ago, is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please treat this matter with urgency and respond accordingly. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Hello Dear CFPB, Im currently living in XXXX. For the past XXXX  years, I have been sending money to my bank account in XXXX from time to time. Sometimes to buy small gifts for my family and sometimes to support my brother or sister with small amounts. 
However, currently, my transfers are blocked or my account is closed for no reason in all international money transfer applications. 

I didn't do anything suspicious or illegal. Today is XXXX XXXX XXXX and I wanted to buy my mother a Gold ring but I could never send money. I tried the Moneygram app last but not least, and that app suspended my account. 

According to the information I have researched, my name may have been blacklisted or they may have mistakenly banned me from international money transfer applications because they are suspicious of my payments. 

The apps I have problems : XXXXXXXX XXXX XXXX XXXXXXXX, MoneyGram Please help me solve this problem. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
The Following Companies I have no knowledge of and has violated my right by not validating the debts they say I owe. I have sent several certfied letters asking that they show proof of my original signature stating that I have done business with them with the original contract stating I have and to properly validate the debt within the 30 day period and they fail to do so. Section 15 U.S.C 1681 STATES that the company provides proof of validation of the debt and these companies fail to do so multiple times on my XXXX XXXX XXXX XXXX Reports/Files. 
XXXX. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I am writing to formally dispute the continued assessment of interest charges on the above-referenced account, which was charged off in connection with a vehicle that has since been repossessed and sold. I respectfully request a full explanation and correction of what appears to be the unlawful application of interest post charge-off. 

As you are aware, once an account has been charged off, it is considered a loss to the creditor and written off from your books for accounting purposes. As per 15 U.S.C. 1666i ( Fair Credit Billing Act ) and the Truth in Lending Act ( TILA ), any finance charges assessed must be clearly disclosed, accurate, and not misleading. Charging ongoing interest on a debt that has been both charged off and partially satisfied by the proceeds of the vehicle 's sale may constitute an unfair or deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, and potentially under state consumer protection laws. 

In addition, I request the following : 1. A full itemization of the alleged debt, including original loan amount, payments made, charge-off date, vehicle sale date and amount, and any remaining balance. 

2. Clarification on what legal authority you rely on to continue charging interest after a charge-off and vehicle sale. 

3. Cease all further interest charges on this account until this matter is resolved. 
4. Immediate correction of any inaccurate information being reported to credit bureaus, pursuant to FCRA ( 15 U.S.C. 1681s-2 ). 

Please consider this letter as a formal dispute and request for validation under the FDCPA. Until proper validation is provided, you are required to cease all collection activity, including reporting to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft from the XXXX Equifax data breach. I also have noticed some unauthorized inquiries on my credit reports, along with late payment on my XXXX XXXX XXXX. I have proven to the company that my credit cards and wallets were stolen several times, and the credit bureaus constantly leave the late payment remarks on my credit reports. I need these removed immediately, because it is harming my chances at obtaining a mortgage loan or possibly obtaining a newer car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of identity theft from the XXXX Equifax data breach. I also have noticed some unauthorized inquiries on my credit reports, along with late payment on my XXXX XXXX XXXX. I have proven to the company that my credit cards and wallets were stolen several times, and the credit bureaus constantly leave the late payment remarks on my credit reports. I need these removed immediately, because it is harming my chances at obtaining a mortgage loan or possibly obtaining a newer car.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a check deposit from a phone I saw it called bank told them they locke me out my account and even took my pay check that deposit XXXX  days later and still dont have access or anything to my account and they still have my money they even. Took my saving

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To who it man concern, My name is XXXX XXXX and it was my father who was dealing with the company called Santander. I've tried numerous times to explain to them what my situation is. They claim I owe them XXXX. And because of them my credit report is all screwed up. My credit score has decreased. I've specifically told them what the deal was and yet they didn't listen at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item from my report. Thanks you

Company response to consumer: Closed with explanation