vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: WA

Complaint narrative:
To : Chime Dispute Resolution / Executive Support Subject : URGENT Fraudulent Charges by Unauthorized Minor Request for Escalated Review and Refund Dear Chime Support Team, I am writing to formally escalate my dispute regarding multiple unauthorized XXXX charges made to my Chime account, totaling {$420.00} between XX/XX/year> and XX/XX/year>. 

Despite my clear documentation, including a police report for fraud and identity theft, my dispute was denied. I respectfully request a full reconsideration of my case due to the following facts : A minor guest in my home, XXXX XXXX, gained unauthorized access to my debit card by going through my personal belongings and photographing my card without consent. 

He used this stolen card information to make fraudulent purchases on a XXXX account. 

These charges were made without my knowledge or approval, and my XXXX  son ( whose console was accessed ) was asleep during the incident. 

After disputing the original charges and replacing my card, additional charges continued on the new card, indicating this minor hacked into my XXXX account and retained access. 

I have video surveillance inside and outside of my home supporting that no household members committed this fraud. 

I have now filed a formal police report documenting this incident. I am willing to provide a copy upon request. XXXX XXXX XXXX XXXX XXXX report # XXXX. 

The child responsible has a documented history of hacking school systems and crashing work computers and has since been cut off from contact. 


I am extremely disappointed that my case was denied despite the clear evidence of fraud, which violates the protections granted to me under Regulation E of the Electronic Fund Transfer Act. As a Chime customer, I trusted that my financial information and rights would be protected from unauthorized use.

If this issue is not resolved within 10 business days, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will continue to pursue all available legal remedies. 

Please acknowledge receipt of this message and let me know what additional documentation is needed. I am seeking a full refund of all unauthorized charges and a fraud flag placed on this activity. 

Charges and dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: CA

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I have asked Toyota financial multiple times about the status of my car/car loan/ title. It still says on my app the {$19000.00} was posted to my account. it also says on my app, title/lien release in progress. well my title is an electronic title, and according to the FAQs about title release it says electronic titles, XXXX weeks. well Toyota charged off my account as I have perviously noted saying I missed multiple payments. I asked Toyota if my loan was paid off. Toyota said no. so then I called XXXX XXXX the company Toyota sold my loan to and I asked did you guys pay off Toyota, in which they also responded with no we did not. so my confusion comes In because apparently neither myself, Toyota, my insurance/gap insurance, nor XXXX XXXX paid off my loan. so agin I ask what is going on and if my loan has been charged off/not paid off, why is it saying tile release in progress? and also where is the title be sent to? I have done the math and I have been exactly XXXX days ( XXXX weeks ) from the date that {$19000.00} was posted to my account ( XX/XX/XXXX ) to todays date ( XX/XX/XXXX ). I have the right to know where and if my tile is /has been released and where its going. again the total loss accident didn't happen until XX/XX/XXXXXXXX XXXX XXXXXXXX so I don't know where sate farm got the information telling Toyota it happened in XXXX which Is INCORRECT. I have filled multiple complaints against Toyota with XXXX and will continue to do so until I get the apportioned answers. I have also filled a compliant with the Missouri consumer protection division with the Missouri Attorney General. I have already sent a formal demand letter to Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
15 U.S.C. 1681i If the completeness or accuracy of any item of information contained in a consumers file is disputed the agency shall conduct a reasonable reinvestigation

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I financed a used XXXX XXXX XXXX with XXXX miles through Green Road Finance for {$14000.00} at a 21.9 % APR a price significantly above the average market value in XXXX XXXX for a vehicle in such condition. The car had major mechanical issues and a failing hybrid battery, which made it undrivable. I paid {$4000.00} down and made $ XXXX  monthly payments until XX/XX/XXXX, totaling over {$14000.00}. 

In late XXXX, a company representative verbally told me the remaining balance would be forgiven if I returned the vehicle. I returned it in good faith, but the company continued to report the account as open and 150+ days past due, with a balance of {$6100.00}. I no longer have the car, but the delinquency keeps increasing each month, seriously damaging my credit. According to FCRA and OCC guidelines, this account should have been charged off or marked settled. 

On XX/XX/XXXX, I submitted a formal written dispute and request for clarification, including a request for a copy of the verbal agreement and credit correction. The company ignored the issues and only replied with vague emails instructing me to call. Their refusal to address the matter in writing or fix the false reporting is deceptive, harmful, and may violate federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was on a PAYE plan with a {$0.00} payment, recertification extended to XX/XX/year>. A glitch on Nelnets service website misrepresented my eligibility ( screenshots attached ), causing confusion. Worried about losing grandfathered status, I submitted an early IDR recertification, triggering an unexpected payment. I reported this in unresolved cases to Nelnet. A recent letter dismissed the glitch, pushing a new recertification, and refused to restore my original cycle or remove the payment, jeopardizing my forgiveness credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card account with Bank of America that I was working on settling with them, then without warning it went to a collection agency. BofA told me I could settle with them instead. I emailed the collection agency multiple times regarding how to settle with them, but they are not responding as if they are overly eager to litigate rather than settle.

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 2025-06-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$48000.00}, XXXXXXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX {$12000.00}, XXXX XXXX Balance {$3600.00}, XXXX XXXX Balance {$3400.00}, XXXX XXXX Bank XXXX {$390.00}, XXXX XXXX  Balance {$620.00}, XXXX XXXX Balance {$490.00}, XXXX XXXX XXXX Balance {$1700.00}, XXXX  Balance {$490.00}, XXXX XXXX XXXX Balance {$620.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$48000.00}, XXXXXXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX {$12000.00}, XXXX XXXX Balance {$3600.00}, XXXX XXXX Balance {$3400.00}, XXXX XXXX Bank XXXX {$390.00}, XXXX XXXX  Balance {$620.00}, XXXX XXXX Balance {$490.00}, XXXX XXXX XXXX Balance {$1700.00}, XXXX  Balance {$490.00}, XXXX XXXX XXXX Balance {$620.00}, 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 explanation
Consumer complaint received 2025-06-23 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:
I noticed that my XXXX XXXX dispute is still under review after XXXX XXXX said that they can no longer help because they updated my account paid and in good standing

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 2025-06-23 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: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
Between the dates of XX/XX/year> & XX/XX/year> I inquired about 3 different vehicle purchases from 3 different XXXX, XXXX, XXXX, & XXXX dealerships. I vividly expressed to the following dealerships ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i did not want specific banks pulling my credit such as " STELLANTIS '', " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ''. I was promised by all three dealerships that they will NOT give the banks my report for hard inquires and during the weekend i was notified on XXXX of all hard inquires pulled without my acknowledgment or consent. 

I did NOT consent to the following credit pulls as followed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>XXXX  to pull XXXX. 
I did not authorize and was not at this dealership or any dealership on this date. 

( 2 ) - STELLANTIS FINANCIAL SERVICES on XX/XX/year> to pull XXXX. 
I did not authorize and was not at this dealership or any dealership on this date. 

( 3 ) - STELLANTIS FINANCIAL SERVICES XXXX XXXX XXXX ) on XX/XX/year> to pull XXXX. 
I did not authorize and was not at this dealership or any dealership on this date. 

XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> to pull XXXX. 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

( 5 ) STELLANTIS FINANCIAL SERVICES on XX/XX/year> to pull XXXX. 
I did not authorize the dealership or this bank to pull my equifax credit report. 

( XXXX ) XXXX XXXX XXXX on XX/XX/year> to pull XXXX. 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

( XXXX ) XXXX XXXX on XX/XX/year> to pull XXXX. 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> to pull XXXX. 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/year> to pull XXXX. 
I did NOT authorize the dealership or this bank to pull my experian credit report. 

I ONLY consented to the following credit pulls as followed : XXXX XXXX, XXXX on XX/XX/year> to obtain XXXX  XXXX XXXX XXXX XXXX XX/XX/year> to obtain 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 explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Several accounts on my credit report are inaccurate and were not created by me. These are unauthorized and must be treated as fraudulent. I had no involvement in initiating these accounts. As provided by 15 U.S. Code 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents verifying my identity and dispute.

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 2025-06-23 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
2. XXXX - XXXX - This is an open account inaccurately reporting negative payment history across all three credit bureaus. I have maintained a strong and consistent payment record. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request an immediate reinvestigation and correction. This false reporting is harming my credit profile and must be updated to reflect a positive standing. Failure to address this promptly may constitute a violation of my rights under FCRA. I demand this inaccuracy be corrected or deleted without delay. 
3. XXXX XXXX - XXXX - This account is reporting a derogatory mark on TransUnion and XXXX  while showing as open and in good standing on XXXX. This is a clear inconsistency and inaccuracy in reporting. Under FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and consistent information across all credit bureaus. I demand this inaccurate derogatory mark be removed immediately to prevent further harm to my credit profile. Failure to comply may result in legal action under FCRA 1681n for willful noncompliance. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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: FL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief