vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: OK

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I deposited {$500.00} in cash onto my Chime account at a XXXX location in XXXX, XXXX. This was a routine deposit intended for bill payments, as I am a single mother and student relying on this account for essential expenses, especially during the holiday season. 
Early the next morning, on XX/XX/year> : At XXXX XXXX and XXXX XXXX unauthorized transactions occurred from XXXX, XXXX  ( a location I have no connection to ). These included : Two transfers totaling {$400.00} ( {$200.00} and {$200.00} ) to an unknown individual in North Carolina. 
One transfer of {$100.00} to an unknown individual in California. 
I do not know anyone in Georgia, North Carolina, or California, and no one has been authorized to access or use my account in those states. 
The device used by the unauthorized party was an XXXX XXXX XXXX XXXX XXXX, which has never been associated with my account. My authorized devices are a XXXX XXXX ( previous phone ), an XXXX XXXX XXXX, and an XXXX XXXX XXXX XXXX. 
At XXXXXXXX XXXX, I received a notification from Chime asking if I had changed my email address and advising me to call immediately if not. I was awake and responded promptly by logging into my account, where I discovered the fraudulent transfers. 
I immediately called Chime support to report the issue. During the call, Chime claimed to secure my account, restricting access to only my recognized devices and enabling two-factor authentication for any unknown logins. 
However, while still on the phone with Chime at around XXXX XXXX I received another push notification indicating that my phone number had been updated without my authorizationagain from XXXX, Georgia. I informed the representative in real-time, took screenshots, and provided this as evidence. 
Chime had to perform another security verification to revert the changes and re-secure the account, indicating a failure in their initial measures. 
I filed a police report immediately after the call and submitted disputes for the unauthorized transactions twice, providing evidence including screenshots, timestamps, device details, location discrepancies, and the police report. Despite this, Chime denied both disputes, stating no error occurred on their end. This has left me without the stolen funds ( totaling {$500.00} ), causing significant financial hardship. I now feel unsafe using my Chime account or card due to these repeated security failures and am considering closing the account if the funds are not recovered promptly. 
I believe this incident points to a systemic security vulnerability at Chime, as the unauthorized access bypassed their safeguards, including device recognition and notifications. Similar issues have been reported by other Chime users, and I request the CFPB investigate Chimes handling of fraud disputes and security protocols to prevent further harm to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: AL

Complaint narrative:
Please stop contacting me about this debt collection. I have no idea where this is coming from. 
I was stationed in XXXX around XXXX when I got back state side in XXXX I started seeing this company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
It is utterly unacceptable that these accounts are being reported with late payments that do not reflect my true payment history. I demand an immediate review and correction of these errors. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$170.00} These late payments being reported under my name with TransUnion are erroneous and need to be immediately reviewed and corrected. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I contacted a seller on XXXX who claimed to be selling XXXX XXXX They directed me to their XXXX business number : XXXX ( XXXX ) XXXX. I agreed to purchase a XXXX XXXX  and paid the full amount. After payment, the seller repeatedly delayed the shipment, kept changing the story, and refused to provide any receipt or valid tracking number. 

They told me multiple different times the store opens, promised a shipping receipt several times, and kept saying the camera was already shipped with no proof. When I asked for a refund, they agreed but never refunded me. Instead, they kept making excuses, stopped responding for long periods, and never delivered the item. 

Over several days I asked many times for the receipt, refund, or proof of shipment. They ignored my messages or responded with excuses like being too busy or having already shipped the order. The camera never arrived, and they have not refunded me. 

I have full screenshots of the entire conversation, including the sellers number, dates, their fake claims, ignored messages, inconsistent information, and proof that the item was never delivered. This appears to be a fraudulent seller running a scam through XXXX and XXXX. I am requesting a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Texas Guaranteed
State: WA

Complaint narrative:
I am filing a complaint against TG Trellis for furnishing inaccurate, unverifiable student loan information to XXXX XXXX and XXXX. TG Trellis is reporting two inflated student loan balances ( {$25000.00} and {$31000.00} ) tied to a predatory XXXX XXXX XXXX XXXX XXXX which was previously forgiven/discharged. 

TG Trellis can not produce : the original promissory note the assignment/ownership documents the chain of title the discharge records proof the debt is legally collectible TG Trellis continues falsely verifying the account electronically without documentation, causing TransUnion to deny my disputes. This is a violation of FCRA 623 ( furnishing inaccurate information ) and FDCPA 809 ( b ) ( failure to validate the debt ). 

I am requesting CFPB intervention to force TG Trellis to validate the debt or delete it from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC
State: SC

Complaint narrative:
XXXX requested a XXXX day investigation through CFPB to look into an identity theft dispute Ive filing with them for almost a year or so now with the legal documentation showing proof of identity theft. Thats a violation of my rights FCRA 611. Failure to remove an item Ive disputed for identity theft is a clear violation of FCRA 605B. TransUnion has not removed the fraudulent/identity-theft account in violation of FCRA 605B and 611, I am prepared to pursue legal action if XXXX  continues to violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
I had filed a dispute for numerous unauthorized transactions that were done on a cashapp account that had been hacked. While on the phone with cash app support and trying to regain access to my account the hacker kept logging me out and changing my info during which time the hacker started transferring money out of my account .. upon finally regaining access to my account the support agent had had written helped me file the dispute reason due to them being on the phone with me and I filed numerous disputes for transactions that were posted to my account. The hacker was from XXXX XXXX XXXX  which I have never left the state of XXXX. After a day several were approved for the timeframe it was hacked but multiple were not even though some were from the same individuals that some were refunded And I've tried to explain to cashapp but in doing so I just got denied banned and shut out of my cashapp account. The name of the cash app was XXXX XXXX XXXXhich the hacker had changed the name to from my previous name and it was linked to XXXX. but now I can no longer log in. 

XXXX XXXXXXXX ( that was the last one the the hacker had changed it to before cash app closed my account XXXX There are several transactions I would like to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have repeatedly appealed Wells Fargos denial of my unauthorized activity claims equaling $ XXXX. My efta rights have been violated and Wells Fargo employee XXXX XXXX hasnt conducted a fair investigation. As a result of this, my credit has taken a XXXX point hit and I am losing everything I own including an irreplaceable XXXX XXXX, and I have had to take out loans against my vehicle and pay check. This has caused me so much pain and suffering and distress on the heels of my XXXX XXXX. The investigation Wells Fargo provided did not even have one transaction in the town I live or work in and they ignored XXXX  remote checking of my devices and the transcript of them saying I did not make these charges on any of my devices. I need my Money now. They have denied every appeal since DAY 2

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
NATIONWIDE CAC LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONWIDE CAC LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX through their payor platform ( XXXX ) issued refund of {$1200.00} to my VISA checking debit card on XXXX. Truist Bank hard-closed this debit card at my request prior to XXXX but my checking account remains open. XXXX XXXX will not resubmit the refund until they receive the funds back. Truist Bank investigation was initiated XXXX and closed XXXX and found " no evidence of transaction ''.

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 2025-12-03 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:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. I have been a loyal customer of XXXX for more than 7 years. Unfortunately, I missed a few payments in XXXX  due to Covid. I was in the process of my immigration status and had no job or any help from government.

Since then, I have never missed any payments and have made every payment on time. This account is fully closed by XXXX. 

I am currently working toward buying a home, and this one late payment is effecting my credit.

I am respectfully asking if its possible to remove this from my credit report as a courtesy.

Thank you for your understanding!

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. I have been a loyal customer of XXXX for more than 7 years. Unfortunately, I missed a few payments in XXXX  due to Covid. I was in the process of my immigration status and had no job or any help from government.

Since then, I have never missed any payments and have made every payment on time. This account is fully closed by XXXX. 

I am currently working toward buying a home, and this one late payment is effecting my credit.

I am respectfully asking if its possible to remove this from my credit report as a courtesy.

Thank you for your understanding!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit system is falsely reporting an invalid debt of {$7200.00} and failed to conduct a reasonable investigation under the FCRA. On XX/XX/year>, I mailed out a detailed dispute with legal evidence ( proof of delivery attached ). The evidence proved the underlined debt is invalid because the creditor breached contract first, legally terminating my obligation of debt. National credit systems has ignored the evidence and verified as accurate to the credit bureaus ( XXXX  response is attached ). Furthermore XXXX has failed to provide verification of the debt to me as required by the FDCPA within a 30 day deadline being XX/XX/year>. Ive also attached all documentation that was sent via mail on XX/XX/year> to XXXX as formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-03 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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