vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I received two separate mailings from Chime today, XX/XX/year>. One mailing contained a Chime Debit Card with a Welcome Letter and instructions for payroll Direct Deposit. The other mailing contained a Chime Credit Builder Visa Card and a QR Code for activation. I did not request the cards and have never heard of Chime.

I called Chime twice the same day and chose the fraud option. The first person I could not understand clearly. She asked for my birthdate and last 4 of social which I did not provide. I gave her the account numbers on the cards. She said she could not find the accounts.

I called the Chime Fraud Dept. a second time, since the first call I did not feel comfortable with. The man asked for the account numbers. He sad he could not find the account numbers in the system. He said that he could look further if I provided additional information which I declined.

I have a freeze with all 3 credit bureaus and am set up for notifications when an account is opened in my name.

I see online that there are many people reporting receiving these Chime credit cards in the mail when they haven't requested the credit cards.

I would like to know if this is a Marketing tactic, a scam, or did someone open these cards in my name when I have credit freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
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 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RC Willey
State: ID

Complaint narrative:
This account has been reporting late every month for over 1 and 1/2 years. I have not received regular statements or updates, and the ongoing reporting appears to be intended to unfairly harm my credit rather than resolve the account. I am requesting removal of this tradeline or immediate charge-off and closure, as the debt is stale and the account inactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block and remove information from my consumer credit report that is the result of identity theft and fraud. This fraudulent information must be addressed within four ( 4 ) business days of receiving this complaint and accompanying documentation. 

The false and unauthorized data currently appearing on my credit file includes the following closed and open derogatory accounts, none of which were opened, authorized, or used by me : Closed Charge-Offs and Late Accounts : XXXXXXXX XXXX XXXX Credit Card ) Closed account with history of 120-day delinquency XXXXXXXX XXXX XXXX Auto XXXX ) Closed auto loan account with 120+ day delinquency XXXX Closed credit account reported as paid charge-off XXXX XXXX Account # XXXX ) Closed account reported as charge-off with 11 separate 90-day late entries XXXX ( Account # 2 ) Closed with derogatory status XXXX XXXXXXXX Closed installment account charged off with an unpaid balance of {$950.00} XXXX Closed auto loan reported as charged off with a balance of {$5400.00} XXXX Closed account reported with a 30-day late payment Active Collections : XXXX XXXX Open collection account with a reported balance of {$3000.00} XXXX XXXX Open collection account totaling {$220.00} XXXX XXXX XXXX Two entries : One open collection with a balance of {$320.00} One closed and paid collection ( still negatively impacting my file ) These fraudulent accounts have also generated multiple unauthorized hard inquiries and derogatory marks, severely affecting my creditworthiness. I have not applied for or maintained any of the accounts listed above. All of them are the direct result of identity theft. 

I have enclosed : A copy of my FTC Identity Theft Report Proof of identity ( government-issued photo ID ) Proof of address Annotated credit reports from TransUnion, Experian, and Equifax showing the fraudulent items These accounts, inquiries, and derogatory marks are not mine and were not initiated by me. I respectfully request that all fraudulent data be permanently blocked from my report and that all data furnishers be notified within the timeframe required 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 2025-05-19 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: GA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: SC

Complaint narrative:
I am submitting this statement in response to a debt collection issue involving XXXX and XXXX. 

I signed up for treatment with XXXX in XX/XX/XXXX, seeking orthodontic correction through their aligner program. Unfortunately, as of XXXX, my smile remains uncorrected, and I am left with incomplete treatment, physical discomfort, and unresolved dental issues. 

On XX/XX/XXXX, XXXX filed for Chapter XXXX bankruptcy and ceased operations. This left me with a box of incomplete and ineffective aligners, no access to follow-up care or support, and no path to complete the treatment I was promised. I only have XXXX set of teeth to last me the rest of my life and I was not willing to risk continuing the use of the aligners without proper follow-up care and support. Additionally, XXXX terminated its Lifetime Smile Guarantee, which was a key part of the original offer and XXXX of the primary reasons I trusted their process. 

Despite their failure to fulfill the terms of our agreement, XXXX sold the remaining {$750.00} balance of my account to XXXX, which began contacting me in XX/XX/XXXX. I initially ignored the outreach, believing the debt was invalid. However, XXXX has since reported this amount to the credit bureaus, and it is now negatively affecting my credit. 

I have documentation that supports my claim, including evidence that XXXX shut down operations and explicitly terminated the Lifetime Smile Guarantee. This debt is not legitimate and is based on services not delivered. 

Although XXXX sent me an email on XX/XX/XXXX, stating that I could dispute the debt by XX/XX/XXXX, I do not believe it is fair or lawful that missing that deadline should permanently damage my credit especially when the underlying debt itself is based on services that were never completed. XXXX abrupt shutdown left me without the treatment I paid for, making the balance invalid. 

I must've glanced at this email and didn't think anything of it and most of this is caught by my spam filter. 

Thank you for your time and assistance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have student loans that were officially forgiven by the Department of Education for the period from XX/XX/XXXX through XXXX, and I have documentation proving this forgiveness. The forgiveness letter explicitly states that all federal loans were forgiven. 

The loan servicer, XXXX ( which is part of XXXX and associated with the Department of Education ), continues to report the loan as outstanding. When reviewing my account, I noticed earlier loan history going back to XXXX has been erased, leaving only loan activity from XXXX onward visible. This removal of records is suspicious and hinders proper tracking of my loan history. 

The loan account was repeatedly charged off and reopened multiple times, causing confusion and inaccurate reporting. Additionally, a Form 1099-C was issued for this debt, which is improper since the loan was forgiven and should not be considered taxable income. 

I understand that XXXX XXXX and XXXX were sued for predatory lending practices around XXXX, which is relevant given the questionable handling of my loans. 

I have provided documentation multiple times proving my loan forgiveness, but XXXX ( a dept under Dept of Education ) denies responsibility, refuses to correct my account, and incorrectly claims these loans are unrelated to the colleges I attended. 

This ongoing mismanagement and inaccurate reporting is causing me financial harm and potential tax issues. I request that the CFPB investigate this thoroughly, ensure my loan forgiveness is honored, restore the full loan history, correct the account status, and have the 1099-C rescinded.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
b'Subject: Dispute of Debt and Request for Removal from Credit Report\n\nDear Consumer Financial Protection Bureau (CFPB),\n\nI am writing to formally dispute a debt that has been reported on my credit report. I have received notification of an outstanding amount that I do not recognize and believe to be inaccurate.\n\nI have no recollection of the company associated with this debt or any account that would correspond to the amount in question. As such, I am unable to provide any information or documentation regarding this alleged debt.\n\nI kindly request that you investigate this matter and remove the inaccurate information from my credit report. It is important to me that my credit history accurately reflects my financial obligations.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-05-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
SEE ATTACHMENT THE ACCOUNT IS IN GOOD STANDING BUT IT IS UNDER INSTALLMENT LOANS CLOSED IN GOOD STAND, WHEN IT SHOULD BE UNDER REVOLVING ACCOUNTS CLOSED IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed 10 accounts that were not reporting accurately. Experian is reporting past due 90 days on each account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attached a copy of my report to this complaint XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to open/never late immediately. 

DEPT OF EDUCATIONXXXX 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: MD

Complaint narrative:
Frequent text messages This one is This is UNIFIN a debt collector XXXX XXXX XXXX requesting me to call XXXX or go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
I got scammed I was told I could buy a bundle of XXXX XXXX XXXX months for XXXX then when they said they shipped it there was a payment hold up because it was apparently coming from XXXX. So I paid them the XXXX then I was told that I needed to pay XXXX. Thats when I knew I was scammed Ive been trying to get my money back from the scammer and cashapp and I cant get it back from neither. They have also deleted their account so I cant access the previous messages but I have the email they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to submit a dispute online Online XXXX said to call your customer service Today XX/XX/year> I called your customer service Rep XXXX answered Completely rude Put me on hold without permission She kept interrupting me And at the end she refused to assist Is this the way your employees treat customer and still unable to resolve my issue Your customer reps are making it impossible to fix issues in a timely manner Have someone reach out to me to resolve my issue since customer service is unable to

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 monetary relief