vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
I am filing this complaint against Chime for mishandling my fraud dispute and violating Regulation E. 

On XX/XX/year>, I submitted new evidence, including scam messages and a fake Chime link. Chime closed my dispute on XX/XX/XXXX, but I quickly filed a rebuttal ( XXXX ) and re-submitted the same evidence from XX/XX/XXXX because it was still valid and had not been properly considered. 

Now, Chime is claiming they restarted the 10-business-day clock from the date of the rebuttal even though their own support message ( which I saved ) clearly says : Chime can not restart the investigation clock using the same evidence. 

This shows they are not following federal consumer protection guidelines under Regulation E. 

Since I submitted the valid evidence on XX/XX/XXXX, the investigation clock should have continued meaning they must issue a decision or provisional credit by XX/XX/year>, not XX/XX/XXXX. 

Ive now had to go through XXXX rounds of this dispute, and Chime continues to delay without justification. I am requesting immediate resolution and for Chime to be held accountable for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Ive been dealing with getting my credit cleared up, Ive been dealing with identity theft for almost 10 years and Ive tried to dispute and get help with these collections but its getting out of hand. Ive attached my dispute letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  North Carolina XXXXDate of BirthXXXX XXXXSS#: XXXXTransunionXXXXTransUnion LLC Consumer Dispute XXXX XXXX XXXX  PA XXXXRE: Trafficking Block RequestXXXXTo Whom It May ConcernXXXXI am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXAccount Number: XXXX2.XXXX XXXXAccount Number: XXXXAccount Number: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingXXXXActXXXXPlease send me notification of the actions taken. I appreciate your prompt attention to this matter.XXXXPlease send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matterXXXXSincerely, XXXX XXXXEnclosuresXXXXProof of identityXXXXXXXX  documentation'

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXXXXXX  I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


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 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
To whom it may concern, I am formally requesting an immediate review and correction of personal information currently being reported by LexisNexis Risk Solutions. I am acting under my rights as defined in the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611.

My LexisNexis file contains multiple inconsistencies that do not reflect my current or lawful personal data, including : Past addresses I have not resided at in years, with no active accounts tied to them. 

Variations of my name that are not legally recognized or authorized. 

A civil court record from XXXX XXXX XXXX XXXX verification and appears to be outdated or inaccurate. 

These details are not only irrelevant but risk misrepresentation in background checks and third-party assessments. 

I respectfully request the following immediate actions : Retain only the following accurate and verified personal data : Legal name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Suppress or permanently remove : All outdated and unverifiable name variations or aliases. 

All previous addresses not linked to any current financial or legal obligation. 

Any civil or public record that can not be validated by docket number or is no longer reportable under 605 of the FCRA.

I have attached the following documents to support my identity and request : Copy of my government-issued ID. 

Recent proof of address. 

Redacted SSN confirmation. 

For transparency and traceability, I ask that all further correspondence regarding this request be handled exclusively through this CFPB platform. 

Thank you for your attention. I expect this matter to be resolved promptly and in accordance with federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I purchased a home policy thru XXXX, policy was cancelled by XXXX before it even started. Now they send me to collections for oney I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXXXXXX  I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX XXXX XXXX Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/year>XXXX  As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


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


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: CO

Complaint narrative:
My " XXXX XXXX  '' Chime credit card account was charged off. Now I need to pay the balance, but CHIME says there is NO WAY to make a payment since the account is closed. So they say there is NO WAY TO PAY IT and get it reported to the credit bureaus as " paid '' or " settled. '' This is not right, as the tradeline is hurting my credit and preventing me from qualifying for credit. Please help me pay the balance I owe to Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2025, I received a transfer of XXXX  ( XXXX ) on the XXXX network ( XXXX ) from a lending platform called XXXX. I mistakenly provided my Coinbase XXXX deposit address, not realizing that Coinbase does not support XXXX XXXX tokens through standard XXXX wallet deposits. 

The transaction was confirmed on the blockchain and was sent to an address labeled " Coinbase XXXX '' on XXXX, confirming that Coinbase controls the wallet. 

Transaction details : Token : XXXX ( XXXX ) Amount : XXXX XXXX ( approx. {$8700.00} USD ) Date/Time : XXXX XXXX, 2025, XXXXXXXX XXXX UTC Transaction Hash : XXXX Wallet : XXXX ( Coinbase XXXX ) I spoke to a live Coinbase customer service representative by phone, who took down the details. However, it's unclear how far the case was escalated. I was told the funds were " unrecoverable '' without a clear explanation or confirmation that this reached their asset recovery or compliance team. 

This is a significant amount of money. Im asking that this be reviewed by someone at Coinbase authorized to perform a manual recovery. Im also willing to cover recovery fees. 

I am requesting that Coinbase either manually recover and return the funds or provide a written explanation of why recovery is not possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXXXXXX  I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: OH

Complaint narrative:
I want the following inquiries to be removed because I did not authorize these companies to run my credit it is fraudulent.

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 2025-05-17 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: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
Initially I had a complaint opened ( XXXX ) on XX/XX/year> about a wrong information regarding Amsher collection and XXXX in my credit report. It was very clear I didnt owe the balance that was reported, so after the review amsher responded saying that the Collection report it will be cleared of my credit report, and after XXXX  days the collection still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX XXXX XXXX Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX  Principal Loss : {$290.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


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


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation