vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
Complaint Summary : Chime denied my fraud dispute ( Claim ID : XXXX ) for two unauthorized XXXX XXXX transactions totaling {$2400.00} that occurred on XX/XX/year>. I reported the incident to Chime the same day it happened, but their support team told me I had to wait until the transactions cleared to file a dispute. I filed the official dispute on XX/XX/year>. 
I also filed a police report with the XXXX Police Department, which I shared with Chime as part of my dispute. 

The police report narrative I filled says the following : " I received a text message about a fraudulent charge made to my Chime banking account of {$440.00} at a XXXX XXXX XXXX, FL on Tuesday, XX/XX/XXXX at XXXX. Then I received a text on XX/XX/year> at XXXX from XXXX about a fraudulent charge made in Idaho for {$390.00}. I saw no proof of those transactions on my account. I woke up this morning, XX/XX/year> and had received a message from XXXX stating there was an attempt to make a XXXX transfer to XXXX XXXX for {$960.00}. Then the XXXX number called me and I answered. The caller told me my entire account had been compromised because an unknown person had access to my account and claimed to be Chime support. They were telling me to use the " Pay Anyone '' feature to an email they created called " XXXX ''. The last four digits of that email are part of my social security that I did not provide them with, and had not created this account myself. Chime blocked this transaction, but the caller had me try it again with a new email " XXXX ''. This transaction also did not go through. The caller told me they would call me back when the system was internally reset by the Chime security team. Then the caller calls me back at XXXX on a new number XXXX which is the number listed on Chime 's website as customer support. I ignored the first two calls and answered the third. We proceeded with the transaction by adding all of the funds in my checking and savings account to a " XXXX '' virtual card. The caller then instructed me to add the virtual card to my XXXX XXXX on my phone. They told me I could go to a Chime affiliated ATM and use my Chime debit card to withdraw all of the money from my account in cash. I tried to do this twice and it did not work. I now have two pending transactions of {$1400.00} and {$960.00} to the " XXXX '' virtual card, which I do not have any virtual or physical access to. I have contacted the Chime support team to report the fraud. 



Chime claimed the transactions were authorized using vague login or device data, but they provided no actual proof that I initiated or approved these transactions. I do not have access to the XXXX virtual card or the XXXX XXXX involved. 
This violates : 12 CFR 1005.6 Limiting my liability 12 CFR 1005.11 Requiring provisional credit Chimes Terms of Service, which guarantee zero liability if fraud is reported promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding certain accounts reported on my credit file that I did not authorize or recognize. I was unaware of their existence until a recent review of my report, and I am deeply concerned that my identity may have been used fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-25 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: DE

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from 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 2025-06-25 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: DE

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from 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 non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in a negative impact on both my credit score and overall financial standing. I previously contacted the credit reporting agency regarding this issue and was assured by a representative that these unauthorized inquiries would be removed. Despite that assurance, the inquiries remain on my report. 
The presence of these potentially fraudulent and unauthorized entries is highly concerning and raises the possibility of identity theft. This unresolved issue has caused significant emotional distress and continues to undermine my financial well-being.

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 2025-06-25 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: NC

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts that have been reported under my name without my knowledge or consent. I have never opened these accounts, and their presence on my credit report is severely damaging my financial integrity. These entries are false and appear to result from identity theft or data misuse.

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 2025-06-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-25 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX * * * * Date XXXX Balance : {$470.00} ; XXXX XXXXXXXX * * XXXX * Date XXXX Balance : {$490.00}.

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: SC

Complaint narrative:
I have been in the hospital and not able to work like I normally work and my paycheck has been short. I am also suffering a lot of XXXX XXXX. Im having XXXX this week I asked could I make one payment? I know I keep falling behind but right now, I can only make one payment. They would not let me make one payment to keep my car. I can take another payment next month on XXXX XXXX right now I only have one payment that I could make to keep my car and I need my car. 

There is a current active repossession out on my car. I need my car to work one of my jobs. I need someone to call me from Carmax to talk to me from the corporate office please I want to keep my car. I need help with only making one payment right now and make another one on the XXXX. I just need them to work with me, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: MD

Complaint narrative:
AVA Finance , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Account ending in XXXX To Whom It May Concern, I recently reviewed my XXXX credit report and noticed a tradeline reported by your company listed as a charge-off. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting * * validation of this debt. * * Please provide all of the following : XXXX. Proof of the original contract or agreement bearing my signature XXXX. Complete accounting of the alleged {$7.00} balance including how it became delinquent XXXX. Chain of title showing your legal right to collect this debt XXXX. Date of last payment and date of charge-off XXXX. That the account is within the statute of limitations for collection in XXXX Pending proper validation, cease all collection efforts and reporting to credit bureaus. If you can not verify, remove the account from all consumer reporting agencies immediately. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for reporting a collection account to my credit report without first validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). I sent a debt validation request asking for the original signed contract, itemized statements, and proof they were assigned the debt. To date, they have not responded with any of the required documentation.

Despite this, they continue to report this debt to XXXX, which is a direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA 623 ).

I request that Portfolio Recovery immediately remove this account from all credit bureaus and cease all collection activities until proper validation is provided. 

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which gives me the right to dispute the validity of this debt. 

I formally dispute this debt in its entirety. In accordance with the FDCPA, I am requesting that you provide full and complete validation of this alleged debt, including but not limited to : 1. The name and address of the original creditor 2. A complete itemization of the alleged debt, including interest, fees, and other charges 3. Copies of any contracts or agreements bearing my signature that support your claim 4. Proof that you are legally authorized to collect this debt on behalf of the original creditor

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
HILLCREST DAVIDSON & XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research HILLCREST DAVIDSON XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
This complaint concerns the delayed release of balances associated with my business checking account with a partner of XXXX XXXX  XXXX XXXX named Mercury Bank, for XXXX XXXX following its official closure on XX/XX/year>. As of today, XX/XX/year>, which is approximately XXXX days since closure, the balances have not been fully released. This delay has caused significant financial inconvenience hindering cash flow and disrupting business operations. I have requested immediate release and it has been denied. I have contacted XXXX XXXX  XXXX XXXX regulated by XXXX. 

I received an email from the bank on XX/XX/year> stating : " We've identified your account for closure due to a violation of our Terms of Service and/or your Deposit Account Agreement. Because of this, funds remaining in your account as of today will be held for at least XXXX calendar days, XX/XX/year>. Please note that scheduled, previously initiated, and expected incoming funds may still process ( wires, card transactions, check deposits, and ACH credits ) and will be subject to the same hold period. 
Should funds be returned, they will be disbursed via check to the shipping address on file. If the address on file is international, the check will be sent to the legal address on file. Please note we can only disburse any remaining funds via check, and unfortunately this is not something we are able to budge on. 
Our decision will remain final unless new information emerges. If circumstances do not change, this will be our final communication to you regarding this matter. '' I replied with emails on XX/XX/year> stating : " I have a contract that entitles me to the funds on my account. Contact me to solve this matter. 
I also requested explanation and documentation and a request to receive my funds stating as a small, independently operated business, this unexpected disruption is causing significant financial hardship. I have relied on them for secure and transparent banking, and I have always conducted my business in good faith and in compliance with applicable laws. 

I received no response and sent an email on XX/XX/XXXX stating I will be filing a complaint. 

On XX/XX/XXXX I received an email stating : " Hello, Thank you for your message. We review each account thoroughly and take a holistic view of your account and business information. Closure decisions are based on a variety of internal factors. I know this may be frustrating, but we are unable to provide more detailed information regarding the reason your account was closed and we aren't able to reconsider. As mentioned in our previous communication, any remaining funds in your account should be returned to you by XX/XX/year>. Please be aware that this will be our final communication on this matter. Your understanding is appreciated. Thank you. ''

Company response to consumer: Closed with monetary relief