vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a formal complaint regarding ChimeXXXX XXXX and the mishandling of my account and funds. I have experienced multiple issues that remain unresolved, and I am requesting immediate assistance and a proper investigation. 

First Incident Misrouted Payment ( {$25.00} ) : I attempted to send a paid transfer to a Chime member ( my friend, XXXX XXXX ). 
Due to what appears to be a system glitch, the transaction was sent to an unknown person named XXXX XXXX. I do not know this individual and have never had any contact with them. 
I immediately contacted Chime to report the error. An investigation was opened but denied. 
I submitted a second request, providing screenshots proving : I never sent money to XXXX XXXX and never received money from that person. 
My actual Chime contact is XXXX XXXX, and we regularly exchange payments. She confirmed she never received the {$25.00}. 
Despite providing this evidence, Chime has refused to recoup my {$25.00} and has not provided any documentation proving that the XXXX XXXX account is valid or active. Instead, I was told to repeatedly request the money back ( I attempted this 13 times with no success ). 

Second Incident Unauthorized Card Use ( XX/XX/year> ) : I received a new Chime debit card due to previous fraudulent activity. 
Immediately after activating the card, a merchant ( XXXX ) withdrew funds from my account, even though I had never provided them with my new card information. 
When I contacted XXXX, they stated Chime gave them my updated card details automatically, which I never authorized. 
XXXX agreed to refund the money, but the fact that Chime allowed this transaction raises serious concerns about account security and unauthorized sharing of my financial information. 

My Concerns : 1. Chime has failed to properly investigate and resolve the {$25.00} misrouted payment issue. 
2. Chime has not provided documentation proving the validity of the account that received my funds. 
3. Chimes system allowed a merchant to access and use a newly issued card without my authorization. 
4. These issues indicate systemic problems with Chimes security and investigation procedures, which put customers at financial risk. 

Resolution Requested : A full refund of the {$25.00} that was misrouted due to the system glitch. 
Documentation showing the validity of the account that allegedly received the funds. 
A thorough investigation into how a merchant was able to charge my new card without my authorization. 
Assurance that Chime will strengthen its consumer protection, error resolution, and fraud-prevention practices. 

Chime markets itself as a secure and reliable banking platform, yet my experience shows otherwise. Customers should not have to fight to recover their own money or accept unexplained system glitches and unauthorized activity as normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove Hard Inquiries In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts have violated my rights : 15 USC 1681 Section 604 : states that a consumer reporting agency may not furnish my credit information without my written consent.

15 USC 1681 Section 611 : states that I have the right to dispute any information on my credit report that I believe is inaccurate or unauthorized.

15 USC 1681 Section 605 : states that a consumer reporting agency may not include any consumer information that is obsolete, inaccurate, or unverifiable XX/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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, in the city of XXXX, I received a notification that my account had been overdrawn ; no other notifications were received prior. Upon investigation, I realized someone unauthorized had drained my account until emptied ( {$1400.00} ), and I immediately called USAA to freeze the account and report the issue. I was temporarily refunded, only to immediately be overdrawn again ( {$1500.00} ), despite having a locked account and no authorized cards. These 13 unauthorized transactions occurred at XXXX XXXX between PA, RI, NJ, and NY, two thousand miles away from my home. These unauthorized transactions spanned 2300 miles, in nonsensical loops, and would require 23 continuous hours of driving without traffic to accomplish. Ive never met, nor authorized anyone in the entirety of card ownership to make any transactions of any kind, for any reason. there were also two charges in XXXX CA, for {$3.00} each among these charges, and were refunded, yet no information was given, even when i expressed concern for trying to figure out where and what information was leaked. 
I was temporarily credited, and everything was reversed, except 3 transactions for unknown reasons. i requested evidence of their reasons for denial, and was given a few sentences about IP addresses, yet on the phone, I was told these were made in person. One of these charges, for XXXX, has BOTH reasons in two separate denial letters that i will forward. It also seems intentional that all of these documents have been sent to my inbox in ungrouped duplicates, and all of this together, with the reasons and the inconsistencies paint a grave picture of complacency and carelessness with veterans finances. 
The total amount taken was {$2900.00}, I was Credited with {$380.00}, plus an overdraft charge, and some of these transactions are from the same addresses as those ruled " unfraudulent '', and the total amount im owed as of today is {$2600.00}, which I've formally demanded in a second letter now that the statements are available. 
I've also opened up a line of communication with XXXX XXXXXXXX Customer Service, and they have a statement ready certifying I've never had a membership at any XXXX XXXX. Now that I have a map and a consecutive order of transactions, I will conduct a more thorough investigation to charge someone criminally, but it's not physically possible to make these 13 transactions within the dates provided, despite poor judgment and common sense in USAAs Fraud Department.

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 2025-09-21 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: NC

Complaint narrative:
I have made continuous reports about the identity theft on my account for several opened accounts. I asked that XXXX XXXX  and all opened credit card and accounts be removed from all 3 beaures. Upon checking, I see some accounts have REMARK codes which I didnt ask for. These companies have still failed to do so. Equifax did work with me in most cases!

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 2025-09-21 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: LA

Complaint narrative:
My personal information was exposed in XXXX Data breach and my identity was stolen and I do not recognize these accounts listed below : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS ATTORNEY GENERAL OFFICE 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management responded to my complaint by providing limited documents. However, the information is incomplete and does not validate the debt. They only provided one billing statement for each account, which does not demonstrate how the balances were calculated or show a full payment history. No bill of sale or assignment documents were provided to prove that Midland legally owns these accounts. Additionally, the address listed on the statements is not where I lived during the alleged account activity, which raises concerns about accuracy. 

The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) requires a debt collector to provide sufficient validation of a debt, and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) prohibits furnishing inaccurate or unverifiable information. Midlands response fails to meet these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: SC

Complaint narrative:
I am submitting this complaint to formally notify the Federal Trade Commission of ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to request immediate enforcement action. 

I have contacted all three nationwide credit reporting agenciesEquifax, Experian, and TransUnionto dispute negative, inaccurate, and fraudulent information appearing on my credit reports, including collections and late payments that do not belong to me. Despite following the dispute process required under 15 U.S.C. 1681i, the agencies have refused to remove or correct this information. 

Furthermore, the agencies are required to block reporting of fraudulent information once notified. Their continued refusal to do so is a direct violation of federal law and exposes me to further financial and reputational harm. 

I have already contacted the Consumer Financial Protection Bureau ( CFPB ), which is reviewing this matter. However, due to the seriousness of these ongoing violations and the data security failures of all three agencies, I am also requesting FTC intervention to ensure compliance and enforcement. 

I am therefore demanding the immediate removal of all negative, unverifiable, and illegal reporting from my credit files. These items are the result of fraud, identity theft, and unlawful reporting practices. 

I respectfully request that the FTC take immediate enforcement action to hold the credit reporting agencies accountable for both their failure to safeguard consumer data and their refusal to comply with the FCRAs dispute and fraud-blocking requirements. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz Financial Services ( MBFS ) is furnishing inaccurate information to XXXX  and other credit bureaus. 

The lease for my XXXX Mercedes  XXXX ended in XXXX. However, MBFS continues to report the account as open with a balance of {$14000.00} as of XXXX, six years after termination. My XXXX credit report ( attached ) reflects this status, which is factually impossible and misleading. 

MBFSs own documents conflict a Lease End Statement shows {$14000.00}, while the credit report reflects {$14000.00}. Despite my disputes, MBFS has not provided a full accounting or verification of charges. Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers must conduct a reasonable investigation and delete or correct unverifiable information. 

Additionally, under California Code of Civil Procedure 337, the statute of limitations for written contracts is 4 years. Reporting this XXXX lease as open with an active balance in XXXX misrepresents the legal status of the debt and may violate the FDCPA ( 15 U.S.C. 1692e ). 

I am requesting the CFPB to enforce correction or deletion of this tradeline from all credit bureaus, as MBFSs reporting is inaccurate, outdated, and harmful to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
This debt was already paid in full months ago by my insurance provider, XXXX XXXX. Despite this, a recent collection account is being reported as unpaid, which is inaccurate and damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am disputing the XXXX account XXXX The Date of First Delinquency ( DOFD ) is being reported incorrectly. This account became delinquent in late XXXX, which means the 7-year reporting period expired as of XX/XX/XXXX. 

Experian is continuing to report this account past the legal reporting period allowed under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ). I previously disputed this directly, but the bureaus verified without providing documentation of the actual DOFD. 

I request that the CFPB require Experian and XXXX to either : 1. Provide verified documentation of the true DOFD ; or 2. Delete this account immediately for being reported outside the allowable 7-year period.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting under the FCRA To Whom It May Concern, I am disputing the accuracy of the following accounts reported on my credit file. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the following entries are inaccurate, incomplete, and unverifiable : 1. XXXX XXXX XXXX - Account is reported as a Charge Off with inconsistent balances and high credit amounts. 
- Payment history continues to show Charge Off every month, which is inaccurate under FCRA 1681e ( b ) as the same event can not be re-aged repeatedly. 
- This reporting is misleading, incomplete, and must be deleted. 
2. XXXX XXXX XXXX - Account history shows multiple months marked as 30 Days Late while status is reported as Pays as Agreed, which is contradictory. 
- Narrative code lists Reinvestigation in Process, which is outdated and misleading, violating FCRA 1681c-2 and 1681i. 
- These contradictions render the account unverifiable and inaccurate, requiring immediate updating all years and all months in the payment history to " on time '', " never late ''. 
3. XXXX XXXX XXXX- - Account shows conflicting balances, with reported high credit and payment history data not matching. 
- Status does not align with payment activity, making it incomplete and unverifiable. 
- Under FCRA 1681e ( b ), the CRA is responsible for ensuring accuracy, which has not been met. 
4. XXXX XXXX/ XXXX XXXX - Reported with a balance but no last payment date or complete history. 
- Status shows 'Unpaid ' without proper supporting data, violating the accuracy requirement under FCRA 1681e ( b ). 
5. BANKRUPTCY US BANKRUPTCY COURT, XXXX ( Filed XX/XX/year> ) The record lacks proper identifying information to verify accuracy. 
- Public records provided by third-party data vendors ( like XXXX ) do not include full identifiers, making this unverifiable under FCRA 1681i. 
6. XXXX XXXX Collection account is showing no date of last payment, incomplete payment history, and unverifiable balance

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 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ND

Complaint narrative:
XX/XX/year> I was emailed that a debt has been sold to Jefferson Capital in the amount of {$2000.00} for a XXXX XXXX account. 

According to my XXXX and other credit reporting apps they have re-aged the debt to XX/XX/year>. Which is incorrect and illegal. 

The debt has been sold three different times in the past 3 years. I had contacted the previous company XXXX to verify the information and confirm the debt is mine but had no response. I take no responsibility for this debt, I am reporting Jefferson Capital for incorrectly reporting the date opened causing it to show as a new account and therefore will be on my credit for an extra 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
This account is listed as different on all three credit reporting agencies. The account was paid in full, says this one XXXX. XXXX  shows it was never paid, and XXXX states paid in settlement and they wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion Unauthorized Accounts I am writing to dispute the inaccurate and unauthorized information in my credit report obtained by Experian. I am demanding that you enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to provide me with the procedures used to verify the information in my credit report. If you are unable to verify the accuracy of the disputed items, they must be removed immediately because they are severely affecting my financial situation and that of my family. 

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have an essential right to privacy regarding my financial information. Also, 15 U.S.C. 1681 ( a ) ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 

No permissible purpose, as shown in 15 U.S.C. 1681b ( 2 ), has been established for Experian to maintain these accounts in my credit file. The continued reporting of this information is a violation of my privacy rights. 

Further, 18 U.S.C. 1028A addresses identity theft and its penalties, highlighting that unauthorized acquisition and use of personal information is a serious crime. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information that results from identity theft once a valid report is submitted. I enclose my FTC Identity Theft Report ( No. XXXX, dated XX/XX/year> ) XXXX XXXX XXXX FTC Accounts as proof. 

Disputed Accounts XXXX XXXX Account No. XXXX XXXX Account No. XXXX These accounts are unauthorized, inaccurate, and unverifiable. Their continued reporting violates 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information known to be inaccurate or unverifiable. 

Requested Resolution DELETE these accounts immediately from my Experian credit file. 

Provide me with a written response within 30 days, as required by law, detailing the results of your investigation and confirmation of deletion. 

Notice of Intended Action If Experian fails to comply, I will escalate by : Filing complaints with the FTC and CFPB Notifying my State Attorney General Pursuing legal action under 15 U.S.C. 1681n & 1681o for statutory and actual damages, including civil claims for defamation and emotional distress. 

This matter is urgent and directly affecting my financial well-being. I expect Experians full compliance with the FCRA, GLBA, and related laws. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
I am disputing a collection account furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, but my first missed rent payment was in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), the DOFD must reflect the first missed payment that led to the delinquency. Reporting a later date unlawfully extends the time this account can remain on my credit report. 
I have disputed this account with Equifax three separate times, specifically pointing out the DOFD discrepancy. Each time, Equifax updated unrelated fields but failed to correct the DOFD. 
I also submitted a debt validation request to the furnisher on XX/XX/XXXX, and they failed to provide itemized documentation. On XX/XX/XXXX, they confirmed my request was on record. Because the debt was never properly validated and the DOFD is inaccurate, continued reporting violates FCRA 611 and 623 ( a ) ( 5 ).

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