vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
On XX/XX/2025, I received a fraud alert text from Chime asking if I authorized a transaction in the amount of {$410.00}. I immediately replied No, and Chime responded that the charge had been stopped or blocked. 

Concerned, I checked my account and saw that a separate transaction for {$340.00} had already gone through seven minutes prior to the {$410.00} attempt. The {$340.00} charge was from Michigan, and upon reviewing the transaction details, I realized that I did not make that purchase. I have never made any transactions in Michigan.

At that point, I contacted Chime to report the unauthorized {$340.00} charge. The representative I spoke with advised me to allow the charge to settle and then file a dispute. The charge settled on XX/XX/XXXX, and I submitted my dispute on the same day. However, I received a denial exactly 24 hours after filing a dispute. 

I contacted Chime again on XX/XX/XXXX at around XXXXXXXX XXXX, and was told that my dispute was denied due to transaction records and how the card was used. I expressed confusion, as I have never physically used my card or made any purchases in Michigan. The representative admitted they did not know why the dispute was denied but said they would send an email detailing the investigation. As of now, I have not received that email. 

Additionally, when I first contacted Chime about the unauthorized charge, I was instructed to reach out to the merchant directly. I did so, and the merchant explicitly told me : Youre being scammed. You need to call the police. I relayed this information back to Chime and was told that notes would be added to my case. 

On XX/XX/XXXX, I followed up again. The representativewho I believe may have been the same person I spoke to earliertold me that I would not receive the email the same day and that it could take up to 10 days. This directly contradicted what I had been told earlier that morning. When I informed the representative that I would be reporting this matter, their tone shifted and they began to speak to me in a rude and raised voice.

To summarize : The {$340.00} charge was unauthorized and occurred in a state Ive never visited.

Chime assured me initially that I would be refunded once the charge settled and I submitted a dispute.

My dispute was denied the same day it was submitted.

I was told conflicting information about when I would receive details of the investigation.

The merchant confirmed to me that the transaction was fraudulent.

I was treated unprofessionally during follow-up attempts for clarity and resolution.

I am requesting the CFPBs assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
One day I received a letter in the mail from Wells Fargo Bank about my account. The problem was, I had never opened an account with Wells Fargo ever in my lifetime. I contacted the bank and informed them of this and they proceeded to connect me with their fraud department. Long story short, the last letter I received was XX/XX/year>, they closed the account stating I had no financial liability for the account. It was signed Identity Theft Assistance Team Online Fraud Claims. My Claim number is XXXX. Id like to know if any lawsuits have been or can be filed because of this. Thank you for your time, 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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint against U.S. Bank regarding unresolved disputes on my ReliaCard account. I initially reported XXXX unauthorized transactions, and while the bank issued permanent credits for XXXX of them totaling {$120.00}, the remaining XXXX chargestotaling approximately $ XXXX unaddressed. 

I have contacted U.S. Bank on XXXX different occasions, including XXXX interaction with a supervisor. Each time, I received a different explanation with no consistent reasoning or clear resolution. It is deeply concerning that I am being given conflicting information, which suggests a lack of transparency and accountability on the part of the bank. 

The final straw occurred today, XX/XX/year>, when I spoke with a customer service representative who was not only unhelpful, but also had a dismissive and unprofessional attitudeclearly unwilling to assist me and giving the impression that she simply did not want to be at work. 

At this point, I believe U.S. Bank is acting in bad faith by deliberately stalling the resolution of my dispute and failing to properly investigate the unauthorized charges, as required under Regulation E of the Electronic Fund Transfer Act. Their ongoing delays, inconsistent communication, and unprofessional conduct have caused me undue stress and financial harm. 

I respectfully request that the Consumer Financial Protection Bureau intervene and hold U.S. Bank accountable for their failure to fulfill their legal obligations. I am happy to provide supporting documentation regarding the disputed transactions if needed. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-01 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: NC

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 2025-08-01 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: NC

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 explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
This message is to alert you to the presence of a fraudulent account currently being reported under my name. This account was not created by me, nor have I ever had any connection with the organization reporting it.

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 2025-08-01 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:
It seems these questions came without notice or approval. Assess the provided documents promptly.

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 2025-08-01 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: NY

Complaint narrative:
I am filing this complaint because Experian is reporting a charge-off account from XXXX XXXX XXXX XXXX with inaccurate and unverifiable information. I never received a proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, and no contract bearing my wet ink signature was ever presented.

Reporting such a debt without validation is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2 ( a ), which requires furnishers to report accurate and verifiable information.

Additionally, Experian has failed to conduct a proper reinvestigation as required under FCRA 1681i, allowing unverified derogatory information to remain on my file and damage my creditworthiness.

I demand a full reinvestigation and deletion of the XXXX XXXX XXXX XXXX  account from my report due to lack of validation, absence of contractual proof, and non-compliance with federal law.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to formally dispute the validity and enforceability of the contract which has been presented as a binding personal loan between myself and XXXX XXXX After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged/ I was never presented with this agreement/ The terms were altered without my consent. That film that has that supposed contract is not the same one that appears on my ID. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the validity and enforceability of the contract which has been presented as a binding personal loan between myself and XXXX XXXX After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged/ I was never presented with this agreement/ The terms were altered without my consent. That film that has that supposed contract is not the same one that appears on my ID. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the validity and enforceability of the contract which has been presented as a binding personal loan between myself and XXXX XXXX After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged/ I was never presented with this agreement/ The terms were altered without my consent. That film that has that supposed contract is not the same one that appears on my ID. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Requested the company to send me the 1099-C, a copy of the form that was supposed to be sent to me but I never received it since the company file a write-off or charge-off on the credit report and file with the IRS for a tax break. I am supposed to receive a copy because it is considered as income that I am requiredto file. On my credit report it is listed as a charge-off and if they are claiming that it is not written off on taxes, that is misleading. Legal action for fraud will proceed if the company does not provide the 1099-C or remove this inaccurate report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
The reason this is not correct is, you have acknowledged and KNOW that I am a XXXX XXXX XXXX. You have acknowledged that, " You are asking us to correct the late payments, remove your student loans from your credit report, and place your loans into a deferred status ''. You all are knowingly, and falsely, putting derogatory remarks on my credit report. I am not late on loans that should have been deferred! Now, after months of you all ignoring, I actually had a finance professional look into the dates of this mysterious $ XXXX loan I owe on and it became clear, this debt is false. In XXXX I was diagnosed with a XXXX XXXX and wasn't enrolled back into school until XXXX and have Medical records to prove it. When this was identified last week to the credit bureaus, they've sent me notifications of you all CHANGING THE DATES ON THE LOANS! That is fraud. My account with XXXX XXXX wasn't transferred in XXXX, it was closed and my laons were FORGIVEN due to my health. XXXX XXXX and I communicated very well, I don't know who you all are and have never even heard of you until you tanked my credit XXXX points. THAT NEEDS TO ALSO BE CORRECTED! I have documentation for all of this. You all have forwarded me my XXXX, I have it and you all have violated it since day one. Now knowing you all are creating fake loans under my identity and falsifying the dates to creditors, I know you all re up to no good.

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