vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/year> XXXX I received a text verification of XXXX {$10.00} transaction to a XXXX account [ XXXX  ] I replied XXXX received msg back stating no funds transferred made. I checked my checking accountbit showed all 5 transaction pending, 2 days later they cleared my account I disputed all XXXX replaced my debit card. They denied my disputes the day after I filed the dispute that happened XX/XX/XXXX ( see below ) which they denied just hours later on the same day XX/XX/XXXX. 

On XX/XX/year> I had received a text verification of a {$320.00} transaction at XXXX  I replied No, received a msg back stating no funds taken and a representative from Chime Fraud would be contacting me. 

I am a Chime customer and was the victim of fraud. On XX/XX/year>, fraudsters impersonating Chimes fraud department contacted me using my personal account details and recent fraud history. They tricked me into transferring all of my funds into what they claimed was a secured reversal account. This was fraud, not an authorized transaction. 

I filed a dispute immediately. Chime denied my claim and is holding me responsible. This is unfair and violates Regulation E, which protects consumers from unauthorized electronic fund transfers. I have evidence : screenshots of text messages, call logs, and details of the scam. I am requesting the CFPBs help to require Chime to re-investigate and return my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one used my information and applied for account that I never did or knew about I never lived there it was 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 2025-10-05 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: IL

Complaint narrative:
Some one used my information and applied for account that I never did or knew about I never lived there it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Compliance Department, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries that appear on my consumer credit file. I am invoking my rights under 15 U.S.C. 1681i ( a ), 1681b ( f ), and 1681s-2, as well as your obligations under Metro 2 reporting standards and the Consumer Data Industry Association ( CDIA ) guidelines to ensure all data furnished to you is accurate, verifiable, and permissible under federal law. 

Upon review of my credit report, I have identified unauthorized hard inquiries I have no existing account, prior authorization, or permissible purpose under 15 U.S.C. 1681b ( a ) that would allow these entities to obtain or access my consumer credit file. Therefore, these inquiries constitute impermissible access and a violation of my FCRA rights. 

In accordance with FCRA 604 ( a ) ( 2 ) and 604 ( f ), a party must have a permissible purpose before obtaining a consumer report. Since no such authorization exists, these inquiries must be immediately deleted from my report. Additionally, I am requesting that y
ou : 1. Delete all unauthorized inquiries listed above from my credit report immediately.

2. Provide the method of verification and the permissible purpose documentation provided by each entity that initiated these inquiries.

3. Notify each furnisher that the inquiries are being disputed under FCRA 623 ( a ) ( 8 ) and ensure they respond within the required timeframe.

4. Provide an updated copy of my credit file reflecting these deletions.

Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. If you are unable to verify the lawful purpose of each inquiry with documented proof of my consent, you must delete the inquiries immediately and send written confirmation of your compliance.

Failure to comply with these requirements may constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, exposing your agency and the furnisher ( s ) to civil liability and damages.

I expect full compliance and a response within the statutory period. Please send all correspondence to my address listed above.

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 2025-10-05 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:
FCRA violations XXXX. Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) 2. Permissible Purpose 15 USC 1681b XXXX. Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a XXXX. Verification 15 USC 1681i7 I, XXXX XXXX, is a victim of XXXX  XXXX XXXX and having issues with unauthorized transactions that keeps being reinserted on my credit report. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report. The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading.

I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX : Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX : Balance {$1400.00} XXXXXXXX XXXX XXXX XXXX : Opened XX/XX/XXXX : Balance {$2600.00}

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 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint for cashapp, I filed numerous disputes regarding funds of XXXX or less coming out of my account I explained to them my phone and account were compromised they requested me to verify my identity which I tried to one day on my way to work but realized I didnt have my license on me at the time and so I closed out expecting to handle it after work while I was at work I received notification they closed my account due to failing to verify my identity I explained to them what had happened and all and they denied my appeal and refused to help me there were multiple payments to a XXXX XXXX XXXX in the amounts of XXXX and multiple payments of lesser amounts I need help gathering my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
Dear Compliance Department, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries that appear on my consumer credit file. I am invoking my rights under 15 U.S.C. 1681i ( a ), 1681b ( f ), and 1681s-2, as well as your obligations under Metro 2 reporting standards and the Consumer Data Industry Association ( CDIA ) guidelines to ensure all data furnished to you is accurate, verifiable, and permissible under federal law.

Upon review of my credit report, I have identified unauthorized hard inquiries I have no existing account, prior authorization, or permissible purpose under 15 U.S.C. 1681b ( a ) that would allow these entities to obtain or access my consumer credit file. Therefore, these inquiries constitute impermissible access and a violation of my FCRA rights. 

In accordance with FCRA 604 ( a ) ( 2 ) and 604 ( f ), a party must have a permissible purpose before obtaining a consumer report. Since no such authorization exists, these inquiries must be immediately deleted from my report.

Additionally, I am requesting that you : 1. Delete all unauthorized inquiries listed above from my credit report immediately.

2. Provide the method of verification and the permissible purpose documentation provided by each entity that initiated these inquiries.

3. Notify each furnisher that the inquiries are being disputed under FCRA 623 ( a ) ( 8 ) and ensure they respond within the required timeframe.

4. Provide an updated copy of my credit file reflecting these deletions.

Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. If you are unable to verify the lawful purpose of each inquiry with documented proof of my consent, you must delete the inquiries immediately and send written confirmation of your compliance.

Failure to comply with these requirements may constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, exposing your agency and the furnisher ( s ) to civil liability and damages.

I expect full compliance and a response within the statutory period. Please send all correspondence to my address listed above.

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 2025-10-05 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: FL

Complaint narrative:
Consumer financial services is reporting to all three equifax TransUnion and Experian incorrect information I never consented to. I need removal immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
Consumer financial services is reporting to all three equifax TransUnion and Experian incorrect information I never consented to. I need removal immediately

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 2025-10-05 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: OK

Complaint narrative:
This letter serves as formal notice that XXXX XXXX of XXXX  has once again modified and transmitted new data to TransUnion regarding the above-referenced account while it was under active dispute. 

XXXX. Mid-Dispute Data Manipulation ( XX/XX/year> ) TransUnions current file for this account shows a Date Reported of XX/XX/year>. 
XXXX  and XXXX  both received identical updates from XXXX the following day, XX/XX/scrub>XXXX XXXX XXXX which altered multiple fields, including the balance, charge-off amount, and delinquency information. 

These changes occurred after my disputes were filed on XX/XX/year>, meaning this new data was introduced during an ongoing reinvestigation. 

This conduct violates : 15 U.S.C. 1681i ( a ) ( 2 ) & ( a ) ( 5 ) : Requiring unverifiable or inconsistent information to be deleted, not modified or reinserted mid-dispute.

15 U.S.C. 1681s-2 ( b ) : Prohibiting furnishers from supplying materially altered or inaccurate information while a dispute is pending. 

XXXX. Formal Request for Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting the following no later than XXXX, XX/XX/year> : Copies of all XXXX  XXXX, system notes, and dispute-related communications between TransUnion and XXXX XXXX XXXX XX/XX/year>, through XX/XX/year>. 

The full verification procedure used to confirm this account, including the name or identifier of the responding furnisher agent or department. 

The specific field-level data changes made on or about XX/XX/year>, with corresponding timestamps. 

XXXX. Preservation of Evidence As stated in my prior correspondence, TransUnion is required to preserve all logs, XXXX transmissions, and internal records related to this account. Destruction or alteration of these materials may be viewed as willful noncompliance under federal law. 

XXXX. Deadline for Action If TransUnion can not or will not produce the above information by XX/XX/year>, this account must be immediately deleted from my credit report as unverifiable and manipulated data. 

Failure to comply by that date will be considered willful noncompliance under 15 U.S.C. 1681n and 1681o and may result in regulatory escalation and pursuit of all remedies available under 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 2025-10-05 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 file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the unlawful and inaccurate reporting of my bankruptcy case on my consumer credit report.

According to 15 U.S. Code 1681a ( 4 ), a consumer report includes only information that is properly obtained, maintained, and furnished for permissible purposes under the law. This section also emphasizes the consumers right to privacy and accuracy, ensuring that no information is reported or disclosed unless it meets those lawful conditions. 

However, my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) filed and discharged on XX/XX/year>, in the United States Bankruptcy Court XXXX XXXX XXXX of XXXX has been inaccurately or unlawfully reported on my credit file by Experian XXXX Equifax XXXX and TransUnion XXXX 

Upon contacting the U.S. Bankruptcy Court directly, I confirmed that the court does not furnish or verify bankruptcy information directly to credit reporting agencies. This means that any such reporting or verification was performed by third-party data vendors ( such as XXXX or PACER data miners ) not the court itself. 

This practice violates my rights under the FCRA, as : XXXX. My consumer report now contains information that was not obtained directly from a permissible source ( 15 U.S.C. 1681a ( 4 ) ) ; 2. The information was not verified for accuracy before being published by the credit bureaus ( 15 U.S.C. 1681e ( b ) ) ; and 3. The disclosure of my private bankruptcy record constitutes an unauthorized invasion of privacy, in violation of the FCRAs intent to protect consumers from inaccurate or unlawfully sourced information.

I am requesting that this matter be investigated and that the bankruptcy record be permanently removed from my credit reports unless the credit bureaus can provide verifiable documentation of lawful and direct reporting from the bankruptcy court itself.

Please confirm receipt of this complaint and provide a written response outlining any actions taken regarding this matter.

Thank you for your attention to this issue and for upholding consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc

Complaint narrative:
To Whom It May Concern, I am a XXXX XXXX  writing to file a formal complaint against the financial technology company Chime Financial , Inc. regarding their insufficient account opening and verification procedures. 

On XX/XX/year>, an unknown individual in the United States successfully opened a Chime account using my personal email address, XXXX, without my knowledge or consent. I was first alerted to this when I received a " Welcome to Chime '' email. 

Shortly thereafter, I received a second email confirming that a physical debit card had been issued and was being mailed to an address in XXXX XXXX, California. 

The central issue of my complaint is that this entire process the creation of a financial account and the issuance of a debit card was completed without any form of email verification. A simple and standard security measure, such as a double opt-in confirmation link, was never sent. The failure to verify control of the email address is an alarmingly lax security practice for any company, let alone a financial institution. 

This negligence on Chime 's part forced me to spend my own time and money to rectify their error. I had to place an international phone call from XXXX to their XXXX support line at ( XXXX ) XXXX to report the unauthorized use of my email and request its removal from the account. While the support agent was able to resolve the immediate issue, the underlying systemic failure remains. 

I strongly urge the CFPB to investigate Chime 's user verification practices. A financial institution that fails to implement fundamental security checks like email verification poses a significant risk to consumers, facilitates identity misuse, and causes undue stress and financial burden for individuals like myself who are inadvertently affected by their procedural shortcomings. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
There are several loan amount that were closed and refinanced but I know for sure a couple are mine but how is it they called and called nonstop stop asking me if I'd like another XXXX XXXX They never told me or anything that the old account was going to be closed and refinanced.the dates of the account closure and amounts are wrong they harass steadily calling and showing up at my house.they charged it off didnt hear from them for years and now they saying I owe XXXX but credit report only shows XXXXthey steadily increasing the amount my loan was only for XXXX not XXXX  years

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I paid XXXX XXXX XXXX {$2700.00} ( {$700.00} on my Capital One card and {$2000.00} on another card ) for a credit repair and business funding program. The agreement included mailing dispute letters to all three credit bureaus with confirmation and providing funding guidance. I was told I would receive proof of mailing and confirmation by XX/XX/year>. 

Despite multiple follow-ups by email and phone, I never received any proof of mailing, tracking receipts, or confirmation the letters were actually sent. Instead, I was later sent three generic PDFs with no verification or timestamps. The company also failed to provide any business funding guidance as promised. 

I formally requested written proof and cancellation on XX/XX/year>, but they have not responded. XXXX XXXX initially denied my dispute, claiming the merchant said the services and goods were delivered, which is false. Providing generic, unverifiable PDFs does not constitute delivery of the contracted service. 

This company has my sensitive personal information ( SSN, drivers license, birth certificate ) and has not provided the contracted services, proof of work, or refund. I am requesting a full investigation and reversal of the disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On my credit profile, XXXX, XXXX XXXX XXXX  is showing a past due charged off auto loan. I disputed it by mail. I called in and got no help at all. They continue to report it on my credit profile. I am currently in the mist of doing some Financial business with my house and it is stopping me from doing so.

Company response to consumer: Closed with explanation