vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
XXXX XXXX I Sent A Seller From XXXX A XXXX Dollars For A XXXX XXXX XXXX  I Used The Pay Anyone Payment As I Was Told With Me Being New To This Website I Had No Ideal What I Was In For So I Sent The Seller A Down Payment Of XXXX Dollars XX/XX/XXXX Was Told To Screen Shot It And Send The Conversation And Reciept Through XXXX So Everything Was Know What Was Going On XX/XX/XXXX I Sent XXXX With The Same Options Of XXXX Dollars Which Would Complete My Payment This Seller Used Different User Names Through Chime Because They Said It Was Code And Protection Reason Through XXXX I Was Told That Ones They Turned In My Chime Reciepts The Seller Said They Would Ship My XXXX XXXX And I Would Get Tracking Number I Waited At Least 2 Weeks To Get Tracking But Messaged The Seller Everyday Because They Gave Me There Personal Number I Went To Chime And Has Opened A Dispute 3 Or 4 Times With Proof Of Documentation They Have Denied Me Every Time On Top Of This Chime Took A Aditional XXXX From Me Saying That I Get Hit With A Back Charge From My Actually Bank See I Was Also A First Time User To Chime As I Stated To Them I Use XXXX  As My Main Bank I Only Had Chime To Help My XXXX XXXX XXXX Daughter Get Credit I Just Used Chime Because The Seller Said That's All They Accept I Borrowed XXXX Dollars To Get My XXXX Son Some Food Only To Find Out When I Sent It To My Chime Account That I Was Negative A XXXX Dollars Which Made It XXXX I Asked Chime What Happened That's When I Heard Of A Term I Know Nothing About A Discharge They Tried To Say That My Bank XXXX Paid Me A XXXX Dollars And Took It Back I Contacted XXXX And It's Not True I Opened Up A Dispute With My Bank To Get My XXXX And I Believe Chime Got Mad And Stole A XXXX Dollars For Me Since Then I Have Became A New XXXX And I Have No I Deal I Have Proof Of Everything To Win My Dispute Yet I'm Denied And They Are Very Rude When You Call And Don't Even Put The Information In Right I Think It's So You Can Automatically Lose Please Help Chime Owe Me Close To XXXX Dollars At Least All Of This For A XXXX Dollar Handheld For Me And My XXXX Son

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Country of residence : XXXX Product : International money transfer Company : Wise ( Wise Payments Limited ) Date of incident : XX/XX/year> Amount involved : USD XXXX Issue type : Money not received / Refund not issued What happened? 

I am an XXXX citizen living and working in XXXX for XXXX XXXX. I used Wise.com to transfer USD XXXX from my employer-provided stock plan account ( ESPP / RSU ) ( based in the U.S. ) to my XXXX bank account. 

Following Wise 's instructions, I sent the funds via wire transfer from my U.S.-based stock plan account to Wise 's U.S. bank account. Wise received the funds, but later asked for bank statement as proof of payment.

As this was a stock plan account ( and not a bank account ), traditional bank statements showing both my name and the source account number were not available. 

However : - I provided a XXXX payment message, which is an internationally accepted wire transfer proof showing sender, recipient, and transaction details. ( I contacted my stock plan broker XXXX and managed to get XXXX payment message ) - I also submitted a transaction statement from my stock plan account, showing the {$1000.00} was sent to Wise 's bank account.

- Wise themselves acknowledged receiving the funds, both in written support responses and over a recorded call. 

Despite this, Wise refused to accept the XXXX or the transaction statement, and asked me to cancel the transaction. So I cancelled the transaction and asked for a refund.However, when I asked for a refund, Wise again demanded the same kind of bank statement they already knew I could not provide, and continues to hold the funds.

I tried a wire recall from the source bank but Wise has rejected that as well.

I do not have any bank accounts in the US and I am not a resident of the US. Now I have no way to get my money back.

Supporting documents I have : - XXXX payment message Transaction statement from stock plan account showing the wire transfer to Wise ( name and send participant reference number match with XXXX payment message ) - Summary or transcript of the recorded support call ( where the service representative asked me to cancel the transfer and provide a refund ) - Cancellation confirmation/Wise complaint resolution - Email and chat communication with Wise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-17 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure Please remove these following fraudulent and unauthorized inquiries. It has been more than XXXX days already! 

Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: MI

Complaint narrative:
I have identified that the charge-off is being reported repeatedly for multiple months, despite this being a single event. This constitutes an error under the Fair Credit Reporting Act ( FCRA ) and must be corrected promptly. According to the FCRA, all information reported on consumer credit files must be accurate, complete, and verifiable. In this case, the continuous monthly reporting of the charge-off falsely inflates the negative impact of this item on my credit report. A charge-off is a one-time accounting entry made by the creditor when they deem the account uncollectible, and it should not be reported repeatedly as if it were an ongoing occurrence.

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 2025-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am submitting this complaint because Wells Fargo denied my fraud claim even though it is clear that my account was compromised. On XXXX XXXX XXXX, XXXX unauthorized transactions totaling {$1100.00} were made through my digital wallet. These included purchases at XXXX XXXX, XXXX XXXX, and XXXX XXXX all in New Jersey or nearby states, while I was physically in XXXX, Washington, making legitimate purchases with the same card. 
As soon as I noticed these suspicious charges, I XXXX the digital wallet through my Wells Fargo online account. Despite this, I still received notifications that charges were being attempted, which strongly suggests my card credentials were compromised and being used fraudulently. 
As soon as I noticed these suspicious charges, I XXXX the digital wallet through my Wells Fargo online account. Despite this, I still received notifications that charges were being attempted, which strongly suggests my card credentials were compromised and being used fraudulently. 
I am requesting the XXXX assistance in getting Wells Fargo to refund these fraudulent transactions and honor their obligations under the Electronic Fund Transfer Act ( Regulation 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 monetary relief
Consumer complaint received 2025-06-17 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-06-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure Please remove these following fraudulent and unauthorized inquiries from my credit report. It has been more than 15 days already and they're still reporting! 

Inquiry Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : EQUIFAX MORTGAGE SER Inquiry Date : XX/XX/XXXX Inquiry Name : EQUIFAX MORTGAGE SER Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Im directly affected by Acima leasing and their unfair lending class action they are currently involved in! They still persist in frequent emails and phone calls try to collect money from myself with no remorse of their unlawful lending or leasing services! The loan should be delinquent due to myself finding out about their unlawful loan practices! They refuse to report to credit bureaus and persist in harassing emails and calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX  was fined nearly {$28.00} million for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} million fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXXXXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry was submitted without my consent and is not associated with any application I have made. I respectfully ask that it be removed to protect my credit 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 2025-06-17 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing in response to a claim regarding an alleged debt you say I owe to your client, XXXX You have identified the account number ending in XXXX with a stated balance of XXXX XXXXPlease be advised that I dispute this debt and am unwilling to pay the amount in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
The reported late payment is inaccurate and has impacted my credit unfairly. I kindly request its removal and that my account reflect my true payment history, which shows consistent on-time performance.

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