vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: OK

Complaint narrative:
Heres a clear and detailed version of the situation to submit to the CFPB : Subject : Dispute Denied Despite Evidence Unauthorized Charge from XXXX Description of the Issue : I am filing a complaint regarding a dispute denial by Chime related to an unauthorized transaction from XXXX that occurred on XX/XX/year>. 

Situation Overview : 1. Original Purchase : Date : XX/XX/year> Merchant : XXXX Total Amount : {$4000.00} XXXX. Partial Cancellation and Refund : I canceled four items from the original order, totaling {$760.00}, which reduced the total amount to {$3200.00}. 
On XX/XX/year>, a refund for {$760.00} was issued to my account, reflecting the canceled items. 
XXXX. Unauthorized Charge : Later that evening on XX/XX/year>, an unauthorized charge from XXXX for the exact amount of {$760.00} was debited from my account. 
This charge was not authorized by me and essentially reversed the refund that had just been processed. 



Dispute Filed and Denied : I filed a dispute with Chime to address this unauthorized charge and provided clear documentation showing that : The refund was properly issued. 
The subsequent charge was unauthorized and was not a reauthorization by me. 
Despite the evidence, Chime denied my dispute, leaving me out of {$760.00} that should have been returned to my account. 



Why This is a Problem : This unauthorized charge meets the criteria of Regulation E as an error, and I provided sufficient evidence to support my claim. 
Chimes denial of the dispute is unjustified and has caused me financial harm by not returning funds that were wrongfully taken from my account. 



Request for CFPB Assistance : I am requesting that the CFPB investigate this matter and ensure that Chime : Properly reviews my dispute with all evidence provided. 
Issues a refund of {$760.00} that was improperly withheld due to the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


XXXX Account # XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX XX/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 explanation
Consumer complaint received 2025-03-29 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:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-30 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: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX NY XXXX and I am personally writing to dispute accounts that has been reinserted into my credit report after it was previously removed. The accounts in question is associated with US DEPT. OF EDUCATIO was removed from my credit file on Between XX/XX/year> and XX/XX/year>. Also account associated with US DEPT OF EDUCATION was removed from my credit file between XX/XX/year> and XX/XX/year> and lastly account associated with US DEPT. OF EDUCATION/XXXX  was removed from my credit file between XX/XX/year> and XX/XX/year>,. However, I have recently noticed they have been reinserted, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ).

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 2025-03-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On my XXXX bill I have XXXX interest charges. XXXX for {$1.00} interest based on an average daily balance of {$110.00} at 20.24 % and a second for {$9.00} interest based on an average daily balance of {$1200.00} at 9.99 %. I believe both of these work out to a 28 day period. I called the Citi credit card customer help line ( XXXX ) on XX/XX/XXXX at approximately XXXX pm requesting the detail mathematical calculation of these XXXX average daily balances that are used to calculate these XXXX interest charges. The initial Citi responder indicated Citi could not provide the detail calculation of these XXXX average daily balances, either by email or mail. I asked for a supervisor. XXXX XXXX XXXX XXXX # XXXX of the Arizona area ) also stated that Citi was unable to provide the detail calculation of the XXXX average daily balances used to calculate the XXXX interest charges. 

So, it is left to the credit card holder to verify the correctness of the calculation. I do not believe that this is correct. Since Citi is charging me the interest, they should be able, upon my request, to substantiate the charge in detail and not just provide an oral definition of how to calculate interest.

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 2025-03-30 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: IL

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Transunion File Number : XXXX XXXX XXXX XXXX XXXX I recently reviewed my account and noticed accounts on my credit report that doesnt belong to me and need to be immediately deleted. I also was notified that my personal information was exposed in the XXXX data breach. In short i have become a victim of identity theft, and is writing this letter for help to delete the stated accounts included in the FTC Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Transunion File Number : XXXX XXXX XXXX XXXX XXXX I recently reviewed my account and noticed accounts on my credit report that doesnt belong to me and need to be immediately deleted. I also was notified that my personal information was exposed in the XXXX data breach. In short i have become a victim of identity theft, and is writing this letter for help to delete the stated accounts included in the FTC Report.

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 2025-03-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-29 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: MO

Complaint narrative:
XXXX XXXX XXXX Formal Dispute and Request to Remove Inaccurate Information Under FCRA 605B and 611 To XXXX I am filing this dispute to demand the immediate removal of fraudulent and inaccurate information on my credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ). The listed accounts below are not valid and must be investigated and removed. Disputed Items The following accounts appearing on my XXXX credit report are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Violations of the FCRA and FDCPA 1. Failure to Investigate : Under FCRA 611, XXXX must investigate any disputed information. If the furnishers can not verify the accounts, they must be removed. 2. Failure to Notify : Under FDCPA 1692g, debt collectors are required to notify me within five days of their first contact. This notification did not happen for the accounts above, making these debts unverifiable and invalid, must be removed immediately. XXXX. Insufficient Validation : A breakdown of charges is insufficient for verification. Validation must include documentation proving the debts are mine, including my wet-ink signature on the original agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear " To Whom It May Concern '' I am writing in reference to the debt account associated with [ specific details, such as account number, if available ]. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the referenced debt, effective immediately. Please note that this request does not constitute an acknowledgment of the validity of the debt. It is my right under the FDCPA to request that all communication from your company regarding this matter stop. Thank you for your attention to this matter. I am writing to formally request an update to my credit report regarding a charge-off account associated with account number XXXX. 

I believe this information to be inaccurate, as the account has been resolved in its entirety. Attached to this letter are the necessary documents, including proof of payment and correspondence with the original creditor confirming the full payoff of the account. Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this matter and update my credit report to reflect the accurate status of this account. Please provide written confirmation once the corrections have been made. Thank you for your assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


XXXX Account # : XXXX XX/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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
Umpqua Bank is using my account, in conjunction with XXXX in XXXX XXXX, XXXX XXXX, and Oregon to extort me via their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, all started using my stolen identity, property and have damaged my property, filed Insurance claims using my information, filed fraudulent income tax returns using my name. 

Several consumer products and companies 'doung business as " are involved with this including XXXX, XXXX XXXX USPS XXXX Court Treasury , XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 XXXX, Federal Government and the XXXX XXXX XXXX 

They have engaged in Identity theft, mail theft, deception, unfair marketing and consumer reporting, forged documents, staged events violating copyright laws, manufactured illegal documents, altered products ranging from food, vehicles, animals, State Laws and Regulations, the Constitution of the United States of America, addresses of XXXX XXXX and Washington XXXX XXXX through internet services they provided via XXXX XXXX XXXX. 

They don't pay their bills, file that under their XXXX  court ( XXXX XXXX ) use those documents to stalk, harass and extort people to pay their bills, purchase their bundled services, gift cards, prepay cards and multilevel marketing schemes.

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 2025-03-29 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-30 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Dear CFPB, I am writing to notify you that I am a victim of identity theft and to formally request the removal of all inaccuracies associated with my credit report that were caused by fraudulent activity. 

Upon reviewing my credit report, I have found multiple accounts and inquiries that I did not open and were not authorized by me. As a result, I am requesting that the following inaccuracies be immediately investigated and removed from my credit report. 

I have already reported the fraudulent activity to the Federal Trade Commission ( FTC ) through IdentityTheft.gov, and I have also filed a police report with my local law enforcement agency. Please find copies of the following documents attached to support my claim : A copy of the police report A copy of the FTC Identity Theft Report A copy of my government-issued ID ( or any other documents needed to verify my identity ) In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the prompt removal of these fraudulent accounts and that my credit report be corrected to reflect accurate information. I expect this issue to be resolved within the XXXX investigation period, as required by law. 

Please confirm receipt of this letter and provide a written response indicating the status of your investigation and any actions taken. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to ensure that my credit report is accurate and free of fraudulent information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB, I am writing to notify you that I am a victim of identity theft and to formally request the removal of all inaccuracies associated with my credit report that were caused by fraudulent activity. 

Upon reviewing my credit report, I have found multiple accounts and inquiries that I did not open and were not authorized by me. As a result, I am requesting that the following inaccuracies be immediately investigated and removed from my credit report. 

I have already reported the fraudulent activity to the Federal Trade Commission ( FTC ) through IdentityTheft.gov, and I have also filed a police report with my local law enforcement agency. Please find copies of the following documents attached to support my claim : A copy of the police report A copy of the FTC Identity Theft Report A copy of my government-issued ID ( or any other documents needed to verify my identity ) In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the prompt removal of these fraudulent accounts and that my credit report be corrected to reflect accurate information. I expect this issue to be resolved within the XXXX investigation period, as required by law. 

Please confirm receipt of this letter and provide a written response indicating the status of your investigation and any actions taken. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to ensure that my credit report is accurate and free of fraudulent information. 

Sincerely,

Company response to consumer: Closed with explanation