vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
On Sunday, XXXX XXXX. I received a text around XXXX, but didn't see it until an hour later. The text appeared to be from Chime saying that my access has been temporarily adjusted and to verify in the app, with a link provided. I didn't think anything was abnormal because the day before, I wrote a check for {$840.00} to a contractor, and assumed the bank flagged it because of the amount. I click the link, verify, and poof, my phone alerts saying that {$2000.00} was transferred. Correctly assuming the worse, I immediately contact Chime to put in a claim. While on the phone with Chime, my account was hit for {$4700.00}, and {$300.00}. I was told that since the {$2000.00} claim was started, that I'd have to wait to dispute the {$4700.00} and {$300.00} ( from a XXXX based company, considering I turn off international transactions on my account ), since those totals are still " pending ' and can fall off it the merchant doesn't clear it on the end. I couldn't even do it ( file a new claim ) in the app until it cleared. A few days go by and the {$4700.00} and {$300.00} clear, so I file a claim for that as well. My initial claim was denied by Chime, even after sending them the screenshot of the original text I received. My account was compromised for {$7000.00} total. I feel Chime will not give me restitution and could've acted on the {$4700.00} and {$300.00} totals before they cleared. I've included screenshots with the initial text from Chime ( XXXX is an Oklahoma area code, where Chime is based ) and the amounts and times they cleared. The times show the transactions and amounts coincide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
This letter serves as my formal notice of dispute regarding multiple inaccurate, unverified, and factually unsupported items currently reported on my credit file. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, 609 ( a ) ( 1 ), and 605 ( a ), and I demand immediate compliance with the Metro 2 Format for accurate data furnishing.

The following items are being disputed due to lack of proper documentation, failure to meet permissible purpose requirements, and reporting inconsistencies that violate federal law. You are reporting alleged delinquencies and inquiries that are unsupported, unverified, and conflict with lawful reporting standards. 

Your continued reporting without evidence constitutes willful non-compliance and opens the door to statutory damages under FCRA 1681n. This includes but is not limited to failure to provide proof of authorization, failure to properly reinvestigate prior disputes, and failure to ensure data accuracy after notification. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES BEING DISPUTED ( No Signed Authorization or Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACTION DEMANDED : Provide verifiable documentation and proof of permissible purpose ( signed authorization or legal basis ) for the listed inquiries and accounts.

If this evidence can not be provided, these items must be permanently DELETED from my credit report.

Send physical documentation detailing your actions and an updated credit report.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action under FCRA 1681n for willful violation of my consumer rights.

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 2025-06-26 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: GA

Complaint narrative:
This letter serves as my formal notice of dispute regarding multiple inaccurate, unverified, and factually unsupported items currently reported on my credit file. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, 609 ( a ) ( 1 ), and 605 ( a ), and I demand immediate compliance with the Metro 2 Format for accurate data furnishing.

The following items are being disputed due to lack of proper documentation, failure to meet permissible purpose requirements, and reporting inconsistencies that violate federal law. You are reporting alleged delinquencies and inquiries that are unsupported, unverified, and conflict with lawful reporting standards. 

Your continued reporting without evidence constitutes willful non-compliance and opens the door to statutory damages under FCRA 1681n. This includes but is not limited to failure to provide proof of authorization, failure to properly reinvestigate prior disputes, and failure to ensure data accuracy after notification. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES BEING DISPUTED ( No Signed Authorization or Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACTION DEMANDED : Provide verifiable documentation and proof of permissible purpose ( signed authorization or legal basis ) for the listed inquiries and accounts.

If this evidence can not be provided, these items must be permanently DELETED from my credit report.

Send physical documentation detailing your actions and an updated credit report.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action under FCRA 1681n for willful violation of my consumer rights.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a financial institution that has failed to fulfill its commitment to issue a refund check in a timely and truthful manner. As a U.S. military veteran, I trusted the timeline provided to me and acted in good faith to avoid financial harm. Unfortunately, the institutions actionsor lack thereofhave caused me to incur unnecessary late fees and placed me at risk of defaulting on my mortgage and electricity bill. 

On XX/XX/year>, I contacted the institution and was clearly told that I would receive my refund check within two weeks. This information was critical to managing my financial responsibilities, particularly my mortgage and utility payments. Based on this assurance, I made arrangements assuming I would receive the funds by XX/XX/year>. 

However, during a follow-up call on XX/XX/year>, I was shocked to learn that the check will not be issued until XX/XX/XXXX, XXXX beyond the original promise. This delay has caused me financial distress, including : Incurring late fees on my mortgage and electricity bills Risk of defaulting on essential utilities Emotional and psychological strain caused by the uncertainty and financial instability I feel misled and treated like a number, not a person with real obligations and vulnerabilities. As a consumerand a veteranI believe I am entitled to truthful, timely service and transparent communication. I am now requesting : A full investigation into the handling of my refund.

Reimbursement of any and all late fees incurred as a result of this delay.

Clarification on what consumer protection laws or regulations may have been violated in this case. 

Assurance that this company will be held accountable and prevented from misleading other consumers in the future.

Please advise me of any additional documentation you require from me to expedite this investigation. I am willing to cooperate fully to ensure that this matter is resolved justly.

Thank you for your time and attention to this urgent matter. I respectfully request your prompt assistance.

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 2025-06-26 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: VA

Complaint narrative:
I am writing to submit a second formal demand for immediate reinvestigation and deletion of the following account from my Experian credit file. Despite my prior dispute efforts and supporting documentation, this account continues to report inaccurately : Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I submitted multiple disputes to all three major credit reporting agencies regarding this account and filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ). Both XXXX  and XXXX  have completed their investigations and have deleted this account from their records due to inaccurate and unverifiable information. However, Experian continues to report this account as verified, which is inconsistent, incorrect, and a violation of my rights under federal law.

Legal Grounds Supporting Immediate Deletion : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation of any item disputed by a consumer and complete that reinvestigation within 30 days. If information can not be verified, it must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information is inaccurate, incomplete, or can not be verified, the CRA must promptly delete the item from the file.

15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. The fact that other bureaus have deleted this account demonstrates that XXXX  is reporting inaccurate or unverifiable data.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I am entitled to a description of the procedure used to verify this account, including the name, address, and phone number of the furnisher of the disputed information.

Demand for Action : I formally demand that Experian : 1. Immediately delete the XXXX XXXX account from my credit file, as required by law.

2. Provide me with a written explanation detailing the method of verification used, and the contact information for any furnisher you relied on so I may follow up directly.

3. Send me an updated copy of my credit report reflecting this deletion.

4. Notify any party that received my credit report in the last six months of this correction, as required by 15 U.S.C. 1681i ( d ).

If I do not receive a satisfactory response within 10 business days, I will file additional complaints with the CFPB, FTC, and my State Attorney Generals Office, and I will consider seeking legal remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

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 2025-06-26 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
I contacted Central Research Inc on XX/XX/year>XXXX  to ask why they were reporting my account as late 90 and 120 days because my account should of been in deferment status due to my XXXX XXXX military status. They agreed that they were unsure why it was reporting this way and they would remove the existing late payments and report to the credit bureaus with no more late payments. The representative told me it would reflect for the month of XXXX, but that was not true. On XX/XX/year>XXXX  I called Central Research Inc again and they said they were unable to help me. This is very frustrating to me because as an XXXX XXXX service member I am entitled to the deferment benefit along with SCRA benefits. My account should of been in deferment status to begin with and Central Research Inc failed to properly handle my account. This has caused a detrimental effect on my credit report which has resulted in me having no opportunity to purchase a home for my family and I. It has brought great distress to our family and has also affected my ability to serve my country. I ask that Central Research Inc be held accountable for their promises and correct my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
This letter serves as my formal notice of dispute regarding multiple inaccurate, unverified, and factually unsupported items currently reported on my credit file. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, 609 ( a ) ( 1 ), and 605 ( a ), and I demand immediate compliance with the Metro 2 Format for accurate data furnishing.

The following items are being disputed due to lack of proper documentation, failure to meet permissible purpose requirements, and reporting inconsistencies that violate federal law. You are reporting alleged delinquencies and inquiries that are unsupported, unverified, and conflict with lawful reporting standards. 

Your continued reporting without evidence constitutes willful non-compliance and opens the door to statutory damages under FCRA 1681n. This includes but is not limited to failure to provide proof of authorization, failure to properly reinvestigate prior disputes, and failure to ensure data accuracy after notification. 

PERSONAL INFORMATION BEING DISPUTED : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES BEING DISPUTED ( No Signed Authorization or Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACTION DEMANDED : Provide verifiable documentation and proof of permissible purpose ( signed authorization or legal basis ) for the listed inquiries and accounts.

If this evidence can not be provided, these items must be permanently DELETED from my credit report.

Send physical documentation detailing your actions and an updated credit report.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action under FCRA 1681n for willful violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
I am filing this complaint against Exeter Finance due to multiple serious issues with the handling of my auto loan.

First, my credit report is inaccurately showing that I owe over {$21000.00}, when Exeter has confirmed that the remaining balance is a little over {$9000.00}. This is after my vehicle was repossessed and sold. The inflated amount being reported is harmful to my credit and does not reflect the current status of the account.

Additionally, I was charged a monthly payment after XX/XX/XXXX, despite no longer having the vehicle. My attorney has advised that this charge is improper and may not be legal. Exeter has not provided any adequate explanation or breakdown of the final balance. 

This entire situation began when XXXX sold me a vehicle that broke down within days of purchase, and I was pressured into a high-interest loan through Exeter with a 24.68 % APRsignificantly higher than what I originally intended to finance. I was never given the opportunity to refinance, as no other lender would take on a loan with such predatory terms. This effectively trapped me in an unaffordable loan and led to my default. 

I have also learned that Exeter Finance has been investigated or sued in other states for similar predatory lending practices, inflated balances after repossession, and reporting inaccuracies. This appears to be part of a broader pattern of misconduct, and I believe Virginia consumers deserve the same level of scrutiny and protection. 

Neither XXXX nor Exeter responded to my repeated emails requesting help or documentation. I believe Exeter is taking advantage of loose consumer protection enforcement in Virginia, and this pattern of behavior appears predatory and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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.

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 XXXX 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief