vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
My Chime account was hacked on XX/XX/XXXX. The hacker locked me out of my account, changing my email, phone number, and mailing address and logging me out. I called Chime and re-gained access to my account. At that point I saw that {$3600.00} was stolen from my account. The hacker used the virtual debit card to make transactions including paying an electricity bill, rent, mobile phone bill, internet bill, and online transactions to an online casino among other transactions. I filed a dispute to be re-imbursed for the stolen money. Chime denied my dispute within 48 hours. I called Chime to find out why and was told that they would mail me all the documentation used to make the determination within 10 days. It has now been almost 20 business days and they still have not mailed me any documentation. I've called Chime 's fraud team and am told that I must provide documentation to them proving that the transactions were fraudulent. This is information that Chime should have uncovered if they were really investigating my transactions. They have an hour of recorded calls of me reporting the fraud and re-gaining access to my account. During the time I was locked out, which they can see for themselves, until the point in time that I regained access to my account, transactions totally {$3600.00} were made by whoever hacked into my account. I feel that Chime have simply denied my dispute without any investigation or with a sub-standard investigation that did not even attempt to assess the validity of my fraud claim. My Chime account has been hacked twice now in 2 weeks. I feel that there are hackers in Chime 's system, and Chime is doing nothing about it and aren't reimbursing customers when their money is stolen. I am filing this complaint because I want Chime to reimburse me for the money that was stolen from my account. They are not taking my claim seriously, and this was all the money I have in this world. I have attached the only communication I have received from Chime. Please note that the email states that the email contains a secure attachment, but there was no attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-23 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this new complaint because Equifax placed a freeze or block on my credit report that I did not authorize, and the company has failed to properly resolve or respond to the issue. 

On or around XX/XX/2025, I submitted a previous complaint through the CFPB. Equifax responded by stating they could not locate my credit file. However, prior to that, I received a letter from Equifax requesting identity verification documents, which I submitted, including a government-issued ID, my Social Security card , and a recent bank statement with my name and address.

Despite providing all the requested documents, I never received a follow-up from Equifax. My credit file remains inaccessible, and I am unable to sign up for any credit monitoring service or apply for credit due to this unresolved freeze or block.

This has been going on for over two months with no resolution. I contacted Equifax directly, submitted everything they asked for, and followed up after their vague response to the CFPB, but the issue still exists. I believe this violates the Fair Credit Reporting Act, which guarantees access to ones credit file.

I am requesting immediate action to remove this unauthorized freeze and restore full access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-06-23 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hi! I want to reopen my previous complaint-XXXX. I sent in the completed school misconduct form for private loans along with lots of additional supporting information and was denied for all 3 private loans in XX/XX/year>. No information was provided as to why on the letters. I called XXXX to see if I could get the reasons why and to see if I can appeal and was told Navient owns that information and they will not release it. I asked if I could call Navient directly to get it and was told no.

I

'm of the opinion that if I am denied forgiveness that I am owed an explanation as to why and an option to appeal. Is this something you all can assist me with? Happy to provide any documents you need. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint against TransUnion for continuing to report an outdated and legally obsolete repossession account on my credit file.

The account in question reflects a date of first delinquency in XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), derogatory accounts such as repossessions must be removed seven years from the date of first delinquency. This account should have been removed from my credit report no later than XX/XX/XXXX. 

As of today, the repossession is still actively being reported by TransUnion, which constitutes a violation of FCRA Section 605 ( a ), governing the time limits on reporting negative information. This inaccurate and outdated information is negatively impacting my credit profile and does not comply with federal credit reporting standards.

I have not received any resolution after raising this issue with TransUnion directly. I am requesting that the Consumer Financial Protection Bureau investigate and enforce the immediate removal of this account from my TransUnion credit report. 

Summary : Account Type : Repossession Creditor : XXXX XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Expected Deletion Date : XX/XX/XXXX Credit Bureau Involved : TransUnion Please confirm when this account will be removed in accordance with FCRA regulations.

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 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of an account listed on my credit report. The account in question is reported by [ Phone Company Name ], account number ending in [ last 4 digits if known ], and appears on my credit file with your bureau.

This information is inaccurate and incomplete, and therefore must be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Grounds for Dispute Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information I believe to be incorrect, and I am requesting a reinvestigation of the following : The validity and accuracy of the debt reported The reporting party 's legal right to collect and report this debt Whether this account has been previously settled, paid, or fraudulently opened Additionally, under FCRA 605, if the account is older than 7 years from the date of first delinquency, it is no longer legally reportable and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I am writing to request your assistance in resolving a serious failure by TransUnion to correct and delete accounts that XXXX  has already determined to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I exercised my right to dispute the accuracy of these tradelines. XXXX  completed its reinvestigation and, pursuant to 15 U.S.C. 1681i ( FCRA 611 ), concluded that the following accounts were indeed reporting inaccurate information and removed them from my XXXX  credit report : Department of Education XXXX XXXX XXXX Department of Education XXXX XXXX XXXX Department of Education XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite XXXX deletion of these accounts, TransUnion continues to report each of them as though no dispute or reinvestigation has occurred. This constitutes a violation of : 15 U.S.C. 1681i ( FCRA 611 ), which requires a consumer reporting agency to conduct a reasonable reinvestigation of any item disputed by a consumer and to promptly delete or correct any information found to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) ( FCRA 612 ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s-2 ( a ) ( FCRA 623 ), which imposes on furnishers of information ( the creditors and lenders listed above ) the duty to notify all nationwide consumer reporting agencies of any corrections, deletions, or updates to disputed information. 

XXXX deletion of these accounts clearly demonstrates that they do not belong on my credit file. TransUnions refusal to reflect that correction not only harms my credit standing but also undermines the integrity of the consumer reporting system. 

I have attached documentation of XXXX reinvestigation results and deletion confirmations for your review. I respectfully request that the CFPB : Investigate TransUnions failure to comply with FCRA 611, 612, and 623.

Require TransUnion to immediately delete these accounts from my credit report.

Ensure that the furnishers listed above notify TransUnion of the corrections in accordance with 15 U.S.C. 1681s-2.

Pursue any necessary enforcement action to prevent future non-compliance.

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and to learning what steps will be taken to restore the accuracy of 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 2025-06-23 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX  withdrew an unauthorized of {$200.00} from my bank account at XXXX XXXX and sent it to XXXX XXXX on XX/XX/year>. I did authorize {$200.00} to XXXX XXXX, however two withdrawals were made, but I only authorized the one. Something seemed odd at the time, like there was a double screen for a second. I suspect fraudulent activity. I spent more than an hour trying to file a grievance directly with XXXX, but I kept getting stuck in loops that never allowed me to submit the information. I also tried calling the bank, but can't get through. I can certainly provide bank information .. let me know. 

Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am formally disputing multiple inaccurate, unverifiable, and potentially unlawful accounts currently reporting on my credit file. You are reporting information that lacks legal validation, proper documentation, and full compliance with the Fair Credit Reporting Act ( 15 USC 1681 ), the Metro 2 data reporting standards as outlined by the Consumer Data Industry Association ( CDIA ), and applicable federal and state regulations.

Under FCRA 15 USC 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information. Failure to do so constitutes willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. The continued reporting of unverifiable data exposes you to legal liability.

Metro 2 standards mandate that any data you furnish must be 100 % accurate, verifiable, and fully substantiated by original source documentation. I am specifically demanding the following : Full chain of custody documentation Original creditor contracts bearing my wet ink signature Complete payment histories Permissible purpose documentation under 15 USC 1681b If you can not produce these documents, you are in violation of your legal duty to ensure maximum possible accuracy under 15 USC 1681e ( b ). Reporting any unverifiable, incomplete, or erroneous information without these documents represents reckless disregard for federal law.

Here are the inaccurate and unverifiable items you are required to DELETE : Personal Information : Incorrect Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are hereby instructed to immediately DELETE these accounts unless you can furnish full, original documentation as outlined above. Simply marking these accounts as " verified '' without proper documentation is a violation of my rights under 15 USC 1681i ( a ) ( 5 ) ( A ).

You have 30 days to fully investigate and respond with complete physical documentation via certified mail. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation for willful and negligent violations.

Time is of the essence. I expect immediate compliance.

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