vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: MN

Complaint narrative:
My XXXX XXXX and phone was cloned and spoofed. I filed a police report and changed cards and passwords. I told the merchants and my banks/cards. My XXXX account was debited and now my XXXX XXXX is restricted but Chime is denying my disputes. I asked for the documentation and they said 10 days by email. What I received from one was not an investigation. They may be getting the funds and not passing them on to me or not investigating at all. I want the records and arbitration immediately for disputes XXXX ( XXXX ) XXXX XXXX. If CFPB can sue them please use my case. They are not investigating anything. The sgt on the case received no communication from them. The cases are {$120.00}, {$1200.00} and {$250.00} all stemming from the same incident. I have been denied on the {$120.00} and {$1200.00} but received provisional credit for the {$250.00}. Customers cant talk to anyone in the disputes area and I think they outsourced the customer service phone calls because its always such a hassle to communicate with them. I have spent over 40 hours trying to get this resolved. If the 3 disputes are from the same event but I had to wait until they posted but some are seemingly worked on and some are not. The dispute they denied is not even accurate. There were no fraudulent XXXX XXXX transactions. But they listed it in the denial. They wont give me the documents from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance $ {$5600.00}

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX, XXXX XXXX Balance : {$1100.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
According to 15 USC 1692 c, you have violated my rights by unlawfully communications, please remove this collection off my credit report. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 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 am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Called to validate and get information on what debt was for. Was advised was for payday loan. Account was closed after payment of XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX needs to be shut DOWN immediately. XXXX XXXX XXXX utilizes this horrible and defunct scoring metrics from XXXX and its always late in updating my credit score! XXXX  is always late updating my credit report balance and payment details, and my XXXX XXXX XXXX is always XXXX points less than XXXX. I have issued several disputes with XXXX  to update my account & payment details with Citibank and other credit card companies. XXXX has made it extremely complicated to issue a dispute online, thereby violating the FCRA. Because their new online APP design only allows their pre-filled perimeters or topics to dispute, the customer can not initiate their own written-in dispute on their specific reporting problem. On XX/XX/XXXX, I checked my XXXX  Report and noticed. that the current balance information for XX/XX/XXXX, has not been updated by XXXX, but it is already updated with XXXX  as of XX/XX/XXXX. I could Not dispute XXXX missing details because the payment data for XXXX had not yet been updated by XXXX  and Citibank! My XXXX  Score with XXXX  is XXXX, and my score with XXXX  thru XXXX is XXXX! This is a huge difference when both credit bureaus have the EXACT same credit accounts being reported. The problem here is that XXXX is never on-time with updating payment details or accurate account history, which causes a legal issue with on-time reporting mandates by the FCRA! Also, I noted that XXXX  is reporting FALSE details on late payments made in XXXX, which is a violation of the FCRA. In XXXX & XX/XX/XXXX, I was delinquent with Citibank which should be shown as 30 & 60 days respectively. XXXX  is deliberately violating my rights by not correcting these details when I issued a dispute earlier this year about the same thing! I will upload a pic to show their calculations are wrong for a XXXX & 60 day late payment. They are instead reporting 60 & 90 days late for XXXX months of XXXX & XX/XX/XXXX, when this is wrong! Their own calendar shows I was on-time in XX/XX/XXXX, and therefore I could ONLY be late 30 Days in XX/XX/XXXX, and 60 Days late in XX/XX/XXXX, instead of their inaccurate reporting of 60 & 90 Days late.

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 2025-07-14 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} Date XXXX Last Payment : XX/XX/XXXX Late Days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Balance {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} Date XXXX Last Payment : XX/XX/XXXX Late Days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Balance {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$1400.00}

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report and notice multiple unauthorized accounts

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 2025-07-14 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:
My personal information was affected by the XXXX XXXX XXXXh, my identity was stolen and I do not recognize these accounts listed below. 

Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account 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 2025-07-14 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: TN

Complaint narrative:
My personal information was affected by the XXXX XXXX XXXXh, my identity was stolen and I do not recognize these accounts listed below. 

Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX Account XXXX : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was checking my credit report and found this that I don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed : XXXXXXXX XXXX XXXX XX/XX/XXXX - transunion XXXX. XXXX - XX/XX/XXXX - transunion XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - transunion XXXX. XXXX - XX/XX/XXXX - transunion XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - transunion XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - transunion XXXX. XXXXXXXX XXXX XXXX XXXX transunion XXXX. XXXX - XX/XX/XXXX - transunion I request an investigation and the immediate removal of these inquiries from my credit report, as they were not initiated or approved by me

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 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I hope all is well. Im really not understanding why the repayment keeps being scheduled at the end of the month when you checked my bank account and can see that I dont get my XXXX check until the XXXX of every month so to penalize me and reduce my boost for something that is not my fault because that should have been verified. It should have been set up from the beginning to come out the XXXX of every month so I wouldnt have to be penalized every time I switch the payment date. I definitely need it to come out on the XXXX of XXXX because thats when I get paid. Thank you for your time and understanding. Have a wonderful day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank , N.A . for applying overdraft fees to my checking account without clear, informed, and affirmative opt-in consent, as required under federal consumer protection laws specifically : Electronic Fund Transfer Act / Regulation E Truth in Lending Act ( TILA ) Truth in Savings Act / Regulation DD Consumer Financial Protection Act UDAAP provisions ( Unfair, Deceptive, or Abusive Acts or Practices ) Overdraft Fees Charged : XX/XX/year>XXXX  {$35.00} XX/XX/year> {$35.00} XX/XX/year>XXXX  {$35.00} XX/XX/year>XXXX  {$35.00} XX/XX/year>XXXX  {$70.00} ( XXXX overdraft fees ) Total fees charged ( within 60 days ) : {$210.00} Wells Fargo never clearly explained or presented me with an opt-in form or agreement allowing them to charge overdraft fees on ATM withdrawals or debit card purchases. According to Regulation E ( 12 CFR 1005.17 ), a bank must obtain affirmative consent from a consumer before charging overdraft fees for one-time debit or ATM transactions. 

I was not informed of my right to decline overdraft services, nor was I given the opportunity to opt out or review alternatives. 

Additionally, the frequency and timing of these fees particularly the multiple fees in one day ( XX/XX/XXXX ) suggest that Wells Fargo may be engaging in transaction reordering or batching, which is considered an unfair and abusive practice under the UDAAP standards enforced by the CFPB. 

These overdraft fees have directly caused financial distress. I live on a fixed monthly income, and being charged {$210.00} in a short timeframe has made it difficult to meet basic living needs including transportation and food. Wells Fargos practices have created a cycle of debt, where fees are compounded even when account balances are low due to minor or pending transactions.

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