vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime is one of the worst financial institutions that I have ever worked with. I have several bank accounts. First, I was lured into them with a promotion that was never paid. They said you would get 10 % back of your purchases. However, on multiple purchases, including one for {$480.00}, I was never provided with this 10 %. I was promised today by an agent on a call at approximately XXXX XXXX XXXXXXXX this morning that the issue was being escalated and that the reward for the {$480.00} debit card purchase ( so a {$48.00} ) would be deposited but it never was. I am also missing a {$100.00} bonus for making 15 purchases in excess of {$500.00}. Further, not only does Chime place extremely excessive holds on their funds, they lie to you about it. As someone with other bank accounts, I know that you can ACH transfer from one bank to another within the same business day. However, Chime has held my money ( and as of this writing is still holding my money ) from an ACH transfer in the amount of {$960.00} since XX/XX/XXXX. I was told the money would be available today and it is not. An agent told me sometime after XXXX XXXX XXXX, and it is now after XXXX XXXX XXXXXXXX and still not released. The agents on the phone have made multiple false statements, including but not limited to that the money " has not been received '' when it was withdrawn from my other account days ago, that Chime is not a bank so it can not receive money directly ( which is something I find insane for a customer service agent to say ), and that it takes all banks this long to transfer ( which I know is not true from my other experiences ). Lastly, they do not provide adequate customer service. The XXXX is so poor from their customer service agents that you can not understand what they are saying and it appears they are only allowed to read from a script or use pre-approved phrases instead of answering questions using their own research and analytic skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NY

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NY

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need this complaint to be taken seriouslyplease see the attached file. Ive been trying for far too long to get the errors on my credit report corrected, and Ive repeatedly been ignored. Its beyond frustrating. These inaccuracies have impacted nearly every part of my life, and its exhausting. My credit score is suffering because of mistakes I didnt cause, and its affecting my mental health, my peace of mind, and even my ability to access help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I found inquiries on my credit report that are not mine.

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 2025-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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, XXXX XXXX am a victim of identity theft, demand the deletion and removal of the listed accounts on my credit report : XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, .XXXX, Inquiry date : XXXX XXXX XXXX XXXX, Inquiry XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry XXXX .XXXX  XXXX Inquiry XXXX .XXXX XXXX, Inquiry XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry XXXX, .XXXX XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, XXXX XXXX  XXXX Inquiry XXXX, XXXX, Inquiry XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BUSEY BANK
State: MO

Complaint narrative:
I have been a Busey Bank customer for over a decade. 
The CD in question was originally opened for 15 month - a CD for {$460000.00} on XX/XX/XXXX. Maturity XX/XX/XXXX Interest rate 5 %. 
It renewed on XX/XX/XXXX - 7 month CD - interest rate 5.1, maturity date XX/XX/XXXX. 
On XX/XX/XXXX, the new balance was {$510000.00} and the CD was once again renewed. 
Even though I had asked at the bank for statements to be mailed to me, they NEVER did. ( I actually was asked to place {$25.00} in a separate account for this to happen! ). So I didn't discover that the rate of the CD renewal was .01 % instead of the rate they quoted/were offering on XX/XX/XXXX which was in the 4+ % range, until almost 2 months into the 7 month CD. So instead of having earned approximately {$3500.00} in interest in the 2 months since the renewal on XX/XX/XXXX, the account earned only {$85.00}. When I brought this to their attention on XX/XX/XXXX, XXXX called back saying they could start a new CD ( with " no penalty '' for canceling the old XXXX - lol ) with the 4.15 % interest rate but the 2 months of lost interest were not recoverable. They couldn't/would n't backdate the CD ... they also would consider offering a 4.25 interest rate, which of course would not even begin to cover the {$3500.00} loss incurred for the period of lost interest ( XX/XX/XXXX to XX/XX/XXXX ). Understandably, these were unsatisfactory solutions. A high yield CD with over {$500000.00} was earning .01 %- without even an apology. ( Even my checking account earns 1 % - 10 times that amount ) Was this an error or an intended money-grab? Hoping we can reach an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-04 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 formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I PAIS THIS DEBT TO XXXX  AND THEY REPORTED BACK TO XXXX THAT IT IS NOT PAID WHEN IT IS PAID. I WANT THIS EMOVED FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I took this loan with the understanding that it was a 30 percent increase, so for a {$1200.00} loan I would be repaying {$1600.00} total, with {$400.00} in interest total over a 10 month period, making 10, {$160.00} payments, one per month. I then got charged {$160.00} 4 times, once ever week, and was told that I had agreed to pay {$6400.00} total, which I DID NOT AGREE TO! This is extremely predatory and I dont know what I should do. I contacted by bank to block the payments as the company will not let me restructure it looking for advice on how to get out of this or pay something that makes sense and is not ruining my life! Thank you for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. 

The following are the amounts that have been borrowed and the agency involved : 1- Ed Financial Service Education Loan Service )/ Current Balance : {$15000.00} Lender Info : XXXX XXXX XXXX XXXX XXXX . 
XXXX, TN XXXX XXXX XXXX XXXX XXXX  / Current Balance : {$15000.00} Lender Info : XXXX XXXX XXXX . 
XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX bal {$1100.00}

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 explanation
Consumer complaint received 2025-04-04 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: CA

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CA

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates , LLC Subject : Notice of Violation of 15 U.S. Code

1681n Demand for Remedy Dear Portfolio Recovery Associates, I am writing to formally notify you of your potential violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681n, which holds entities civilly liable for willful noncompliance.

Upon reviewing my credit report, I have identified inaccurate, incomplete, or unverifiable information reported by your company. Specifically : Method of verification. I have no record ever conducting business with this company. 
This matter has affected my credit negatively and caused a delay with the purchase of my new home. 

Under 15 U.S. Code 1681n, any person who willfully fails to comply with the FCRA is liable for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and legal fees. Given that your reporting appears to be knowingly inaccurate and has caused financial harm, I demand the following : 1. Immediate correction or removal of the inaccurate information from all credit reporting agencies.

2. A written confirmation of your compliance within 15 days of receipt of this letter.

3. Compensation for damages caused by your failure to comply, including harm to my creditworthiness. 

If this matter is not resolved promptly, I will have no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal action to enforce my rights under the FCRA. 

Please consider this letter a formal dispute and demand for remedy. I expect a written response addressing the actions you intend to take. You may send your response to the address listed on file.

Company response to consumer: Closed with explanation