vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am submitting this formal complaint against Chime concerning their handling of a fraudulent transaction that occurred on my account in XXXX. Specifically, a dishonest company is advertising an online course with {$6000.00} from my Chime account. Upon discovering that the company was fraudulent, I immediately contacted Chime on the date of the transaction to request cancellation. Despite my urgent request, Chime did not cancel the withdrawal. 

Following this, I filed a dispute with Chime and attempted to contact the fraudulent company, yet neither party canceled the transaction. Chime proceeded to decline my dispute. Determined to resolve the issue, I submitted a second dispute, but Chime declined my dispute once again without properly addressing my concerns. 

Due to Chime 's lack of support in reversing this fraudulent transaction, I had no choice but to stop using their services and transfer my funds to another financial institution to protect myself from further unauthorized charges. I find Chime 's failure to protect my account and handle my dispute unacceptable, and I am seeking intervention from the CFPB to address this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute and seek resolution concerning the closure and/or reporting of my account with XXXX XXXX . This action has negatively impacted my credit report and score. I have not been provided with any notice, documentation, or explanation that substantiates the account closure or any adverse reporting. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request a full investigation into this matter and correction of any inaccurate or unverifiable information. Additionally, under the Doctrine of Estoppel by Silence, as established in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, silence or failure to respond where there exists a duty to do so may constitute an admission. Therefore, in the absence of valid documentation or justification, I must presume that no grounds exist for the closure or negative credit reporting associated with this account.

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 2025-04-20 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: CA

Complaint narrative:
Hello, Im writing to report a serious security vulnerability I discovered while using XXXX, which has immediate and potentially dangerous consequences for my personal safety. 
I was able to access my full credit report without logging into any of my existing credit bureau accounts and without completing an identity verification quiz. Instead, the system only required a one-time code sent to an email and phone number, neither of which were linked to my actual credit file. I tested this using completely fake contact details, and was still granted access. 
This is a major concern in any situation, but in my case, its especially dangerous. I am currently dealing with a stalking situation and have taken every possible step to protect my identity and personal information. Despite already having a fraud alert in place and having frozen my credit files, the fact that someone could access my credit report using only my name, date of birth, and Social Security number puts me at serious risk. 
Ive done everything I can to protect myself, and I find it unacceptable that this system can be bypassed so easily. How can I prevent my information from being accessed through XXXX in the future? I do not want my credit to be easily accessible, especially given my current circumstances. 
Please confirm that this issue is being investigated and escalated, and let me know what additional protections I can add beyond my current fraud alert, credit freeze, and other safeguards to protect my information.

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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
- XXXX XXXX : Opened a business account with Capital One and transferred some funds into it from my personal Capital One account. 
- Around the end of XXXX : Got a letter stating my business account is restricted because Capital One can't verify my business information. I called the number on the letter and the representative asked for my business information such as my legal business name. ( At this time, I was confused about the legal business name XXXX so I told the representative my XXXX name instead of the legal business name. This is an error on my part and I realized this much later ). I think because of my error, the representative still can't verify my business information so I was told to wait so they can investigate. 
- XXXX : Made XXXX calls this month just to check in and asked for updates. All they told me is that I need to wait for Capital One to call me back. 
- XX/XX/XXXX : Finally realized my mistake of confusing the XXXX and legal business name. Called Capital One to tell them about that possible mistake I made when opening the account. The representative said they made a note of it and will let the responsible team/department know. 
- XX/XX/XXXX : Called in to ask for an update since I have provided some information as to why they can't verify my business information on XX/XX/XXXX. They told me they are still reviewing my case and don't have a time frame. Again, they told me to just wait. So instead of saying " Okay '' this time, I asked them to get back to me with a time frame by XX/XX/XXXX. If not, I will file a complaint with the CFPB. 
- XX/XX/XXXX : Here I am writing this. I understand that its my fault when I gave the wrong business information but I have corrected it and mentioned that was probably the mistake I made when opening the account. The problem is Capital One doesnt provide any time frame so I dont know how long this will take. Capital One could give me a call next week and say its resolved, or in a month, or half a year, who knows. Capital One also didnt request any additional information from me at all from the end of XXXX until now. Therefore, it seems to me that the case is stuck and I decided I should be proactive and do something instead of just waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX BANK # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00}

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 2025-04-20 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Hello I was a victim of identity theft I sent complaints to the threee credit beurues as well they have already tried to take it down from my consumer report XXXX  decided to XXXX XXXX. Certification with the account but its identity theft of course the information came back from the irs as certified mine I would like this account immmeditely off my credit report

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
Rocket Loans ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX chartered commercial bank, Member FDIC, XXXX XXXX XXXX dba Rocket Loans dba RocketLoans | XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) has been soliciting credit product and telling me about debt that they think I owe which I do not, every XXXX days despite me opting out of all credit products years ago. This is XXXX crime. DO NOT CONTACT ME. CEASE AND DESIST. ONGOING LITIGATION. SEND ALL COMMUNICATION TO XXXX AND XXXX ONLY! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 

Name Requested On XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXia XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX FUNDING via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX via XXXX PLUS XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-20 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: LA

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 non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Nelnet for delaying my student loan discharge and refunddespite confirmation from the U.S. Department of Education ( ED ) that my discharge is already complete. 
I'm a former student of a XXXX XXXX school ( aka XXXX & XXXX ), and my loans have been flagged for discharge under ED since XX/XX/2022. In XXXX of this year, I contacted the XXXX XXXX XXXX and was told they already completed the discharge, and it's now Nelnets responsibility to implement it. 

However, Nelnet continues to drag out the discharge process, adding to the confusion by partially discharging the loans and sending a partial refund check ( via the XXXX XXXX ). They also sent me a letter that misled me into making payments on accruing interest that I later found out I wasn't responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Since XXXX switched to Citibank card, I have been unable to access my credit card account. This includes viewing statements, etc. Customer service claims I am an authorized user, however they ALSO do have me listed as primary user, therefore refuse to assist me with account issues. ( I AM primary ). They have acknowledged that this is clearly an error, yet have still yet to resolve it. Meanwhile, I am still unable to access my account and can not even activate my newest card. 

I have contacted XXXX times since XX/XX/XXXX ( phone XXXX, social media XXXX ), have spent HOURS on the phone each time, and have been promised a call back many times. No one has contacted me still. 

I am currently responsible for paying a bill for an account I can not access and an issue they refuse to resolve, even after XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
Company has failed provide proof of alleged debt. 
XXXX - Validation of debts, The have failed to provide the original contract, payment history, bill of sale or transfer of debt, itemization break down of the principle fees and other XXXX XXXX hasabused there power per section XXXX - Harassment or abuse, by calling and sending text message at all hours of the day. Demanding a cease and desist for nay further communication to be mailed. and stop any future phone calls and text messages. 

further more the are violating section XXXX the FCRA Obtaining information under false pretenses this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 

Name Requested On XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXia XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX FUNDING via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX via XXXX PLUS XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 

Name Requested On XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXia XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX FUNDING via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX via XXXX PLUS XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX 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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Basically I already reported reports to the federal trade commission and have attached my ftc report of identity theft they arrested the guy who used my information and for other peoples as well I have contacted you guys multiple times and you guys dont wan na help me out if these arent my accounts why are you guys still harassing me about the debt ASK CREDITORS FOR INFORMATION ABOUT MY FEderal trade commission report

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 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management is incorrectly reporting an {$1100.00} account on my credit report. 

I have advised them by mail, email and phone, speaking with Credence/XXXX  XXXX directly . I emailed him all of the XXXX XXXX XXXX fraud documents and he refused to even acknowledge receipt much less correct my report. 

Original creditor XXXX XXXX XXXX is not reporting this fraudulent information and has advised that no reporting nor collections will occur until fraud investigation is complete. Charges are all fraudulent. 

I also sent CredenceXXXX XXXX a copy of the email from XXXX XXXX XXXX stating no reporting nor collections will occur until fraud investigation is complete. Credence still refuses to remove the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting that i have been a victim of identity theft. I am providing this report as part of the process to dispute and remove these fraudulent entries from my credit file and to inform the involved financial institutions of the unauthorized activity. 

Per 15 U.S.C. 1681c-2, I am requesting that each of these fraudulent entries be permanently blocked from appearing on my credit file. 

. XXXX  XXXX Credit Card : Collection Charge Off of {$1300.00}. XXXX XXXX : Collection Charge Off of {$37000.00}. XXXX XXXX XXXX : Collection Charge Off of {$690.00}. XXXX XXXX XXXX : Collection Charge Off of {$140.00} I affirm that the information provided in this report is accurate to the best of my knowledge. I understand that this report may be used by credit reporting agencies to assess the situation.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting that i have been a victim of identity theft. I am providing this report as part of the process to dispute and remove these fraudulent entries from my credit file and to inform the involved financial institutions of the unauthorized activity. 

Per 15 U.S.C. 1681c-2, I am requesting that each of these fraudulent entries be permanently blocked from appearing on my credit file. 

. XXXX  XXXX Credit Card : Collection Charge Off of {$1300.00}. XXXX XXXX : Collection Charge Off of {$37000.00}. XXXX XXXX XXXX : Collection Charge Off of {$690.00}. XXXX XXXX XXXX : Collection Charge Off of {$140.00} I affirm that the information provided in this report is accurate to the best of my knowledge. I understand that this report may be used by credit reporting agencies to assess the situation.

Company response to consumer: Closed with non-monetary relief