vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime allowed a {$320.00} fraudulent charge at a XXXX XXXX in XXXX  to process on a debit card I had reported compromised and disabled two weeks earlier. My dispute was wrongfully denied, in violation of Regulation E. Chime also makes it impossible to maintain written records of complaints, as they do not monitor or have a dispute email inbox and only allow phone communication. This leaves my complaints vague without detail or context in writing. Im only allowed a small tab saying I created a dispute, not what for. Then the response is that my dispute is denied but theres no explanation behind that either and I am unable to request information for it in writing at all. They completely eliminate my ability to maintain a written record of disputes, which undermines transparency and compliance. 

I am filing a complaint against Chime Financial , Inc. and its partner bank, XXXX XXXX XXXX, XXXX, regarding a fraudulent transaction and mishandling of my Regulation E dispute. 
On XX/XX/year>, a charge of {$320.00} at XXXX XXXX in XXXX  was processed on my account. 
This charge was unauthorized. I never stayed at XXXX XXXX, and I never approved this transaction. 
I had already reported my debit card as compromised and requested that it be permanently disabled three weeks before the transaction on XX/XX/year>. 
Despite this, the bank allowed the charge to process. 

I filed a claim with Chime, but they denied it, stating no error occurred. This decision ignores the fact that the card was supposed to be disabled and the transaction was unauthorized.

Additionally, Chime makes it extremely difficult to maintain a paper trail of complaints : Their dispute system does not keep written records of my communications. 
They only offer phone contact, which prevents me from preserving evidence. 
When I reply to their dispute decision email, I receive an error message that the inbox is not monitored or active. 

This lack of written communication options undermines my ability to properly document and escalate my dispute, which is especially concerning for compliance and consumer protection. 

Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR Part 1005 ), I should have XXXX liability for this fraudulent charge, since I had already notified the bank that the card was compromised. 

Because of this mishandling, my account is currently overdrawn, putting me at risk of wrongful debt collection and negative credit reporting for a charge I never authorized. 

The steps I have taken with Chime are as follows : Filed a dispute, which was denied. 
Requested documents supporting their denial, but they refused to provide them. 
Attempted to reply via email, but their inbox is not monitored/active.

Left without any written communication channel or record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-25 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: TX

Complaint narrative:
I am disputing a late payment reported on my credit report that is factually incorrect. Verified payment records demonstrate that all payments were submitted on time. The reported entry is misleading and is unjustly damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my TransUnion, Experian And XXXX  credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) .I am disputing the following accounts on my credit report.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$30.00} late 30 day XX/XX/XXXX Date Opened : XX/XX/XXXX reporting different from other bureaus and no reported late on XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} lates XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX no reported on XXXX  AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} lates XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX no reported on XXXX-TIED UP. Under FCRA 611, TransUnion, XXXX, Experian must correct information that can not be verified. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting. Finally, under FCRA 605B, I have the right to block reporting that is incomplete or false.

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute of a fraudulent account reported under my identity. I never authorized, opened, or used this account. Its presence is entirely false, misleading, and causing harm to my credit report and financial reputation.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal closed my account and would t even explain to me as of why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I have no connection to this account and never authorized its existence. Its inclusion is misleading, inaccurate, and causing significant damage to my financial standing.

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 2025-08-25 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. These entries contain inconsistencies across credit bureaus, unverifiable balances, misleading reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts are reported as charge-offs without proper IRS documentation , others show conflicting balances or delinquency history, and at least one repossession account lists inaccurate payment history. These inaccuracies are damaging to my creditworthiness and misrepresent my financial responsibility. 
I am disputing the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5000.00} only on XXXX reporting no reported in others bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} and I request that it be corrected or updated accordingly.

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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, two payments were made an error online for the upstart loan company. The payment intended was for {$100.00}. The website indicated only two cents was paid so I did another payment for {$100.00}. On XX/XX/XXXX, I noticed that XXXX transactions were pending. I immediately called customer Service and told them what happened. I asked for a refund of the {$100.00} and they said that it would take up to 10 days to get it back. When I expressed that this was not acceptable, they suggested I call my bank and do a stop payment immediately after speaking with them, I called my bank, XXXX, and did a stop payment for the {$100.00}. On XX/XX/XXXX, I received notification that the bank canceled that payment, but they also canceled the other one as well. I immediately called the bank and asked them why they canceled both instead of the one I asked for. They acknowledge that this was an error and that I should not be responsible for any fees. Upstart sent me XXXX notifications via email stating that they charged me an XXXX fee of {$15.00} for each canceled payment totaling the {$30.00}, I called Upstart On XX/XX/XXXX, right right after the bank. The first attempt of trying to resolve this was I asked if I could do a three-way conversation between me chasing Upstart The representative wouldnt give me a yes or no. I had to ask a total of five Times. She put me on hold to see if she could at least three different times and then wouldnt answer the question whether I could or not. I had to call back several times asking for supervisor, and I kept being told that no one was available and I would be called back. I got an email from them on XX/XX/XXXX saying your concern is serious. Somebody will be reaching out to you. Management has still not reached out to me and I have a tempted to reach out on my end several times to speak to someone. They allowed this to go into collections, They have now assessed the late fee on my account as of today XX/XX/XXXX. On XX/XX/XXXX, I tried to call to speak to a supervisor and yes, I was angry but not derogatory or violent towards the representative. She hung up in my face and I then had to wait an additional XXXX minutes for another representative was placed on hold XXXX times only to be told again, no supervisor was available. I requested a callback that day XX/XX/XXXX, and no one called me back. All calls are monitored and recorded as well. I have a perfect payment history, Ive never been a problem, Ive never been late, and this may negatively affect my credit as well. I was told that the investigation would be conducted, and that the fees would be removed once completed. I need a resolution to this before I Pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my name. I have no association with this account and never authorized or initiated it. Its inclusion is entirely false, misleading, and damaging to my financial record.

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 2025-08-25 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-08-25 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: TX

Complaint narrative:
The record does not accurately portray my payment practices and seems to be in error. Please update it upon verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 challenge the presence of items linked to accounts that are not mine. Kindly conduct a detailed investigation and remove them. Relevant materials are enclosed.

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 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
I was at local casino. I grabbed money out of atm with cash app card. Almost immediately, my account was terminated with no warning. Asked them why, they can't tell me. Worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute of an unauthorized account reported under my name. I have no involvement with this account and never authorized its creation or use. Its presence is completely false and damaging to my financial record, creditworthiness, and ability to manage my personal finances effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00}

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 2025-08-25 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing an account listed on my credit report that I did not authorize or open. This account is fraudulent, and its reporting is entirely inaccurate. The false information is negatively impacting my creditworthiness and creating unnecessary stress and potential financial obstacles.

Company response to consumer: Closed with explanation