vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit files with both Experian and Equifax related to my account with XXXX XXXX XXXX XXXX, account ending XXXX, which currently shows a balance owed of {$13000.00}, as these reports do not accurately reflect my payment history, account balance, or account status according to my records and statements from XXXX XXXX XXXX XXXX. Despite my attempts to review my credit files, I noticed that payments I have made are either missing or incorrectly recorded, resulting in a misleading representation of my creditworthiness, which has affected my ability to pursue financial opportunities and caused undue stress and concern. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666, 15 U.S. Code 1666a, FCRA 611 ( 15 U.S.C. 1681i ), and FCRA 623 ( a ) ( 2 ), I have the legal right to dispute inaccurate information, request verification from the furnishing creditor, and have my credit files updated to reflect accurate information. I have submitted dispute letters to both Experian and Equifax, providing supporting documentation from XXXX XXXX XXXX XXXX, yet the discrepancies remain unresolved, leaving my credit report incomplete and misleading. I am deeply concerned that these inaccuracies could have long-term consequences on my financial stability and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was charged {$13.00} on XXXX. I was refunded {$13.00} on XX/XX/XXXX. The bill cycle ended on XX/XX/XXXX. But Chase is still charging an an extra {$13.00} on the minimum payment due. It would almost make sense if there would be a {$13.00} credit on the next payment, but no, Chase is charging me an extra {$13.00}. 

I already called Customer Service & spoke with a supervisor. They didn't do anything. 

I know it's just {$13.00}, but I don't want to pay anyone anything extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I signed up for XXXX believing it was a credit card or loan where I would receive usable funds to build credit. I paid an initial signup fee of approximately {$25.00}. After signing up, I learned that I would not receive any money, credit line, or usable funds, and that XXXX only charges a monthly fee to report a tradeline. 

Once I realized this, I immediately attempted to cancel the account. XXXX refused to cancel unless I paid an additional monthly charge. I declined because I was not receiving any product, service, or funds in exchange. 

Despite this, XXXX has reported the account to the credit bureaus. I believe this reporting is misleading and unfair because I was misled into signing up, attempted to cancel promptly, and did not receive the product I reasonably believed I was purchasing. 

I am requesting that XXXX remove all credit reporting related to this account and cease reporting any negative or ongoing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase business credit card account was closed around XXXX of this year. At the time of closure, I had a significant balance of Ultimate Rewards points accumulated in the account. I am a resident of New York State. Under New York General Business Law 520-e, credit card issuers are required to provide a grace period for redeeming points after an account is closed. Essential to this protection is the requirement that the issuer provides clear, written notice specifying the exact expiration date of these rewards so the consumer can exercise their rights. I never received a clear written notice specifying the exact date my points would expire. Because the bank failed to provide this specific notice regarding the deadline, I was unable to utilize the grace period guaranteed by state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I had someone hack my Cash App and they said I have to wait 10 days and now it is 11 days. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
When I started the Loan process, there were many delays in getting me any kind of documentation I requested. There was one Loan Disclosure sent to me with an attached email explaining that these numbers 'were n't final ' and that more relaistic documents woukd be sent within the next day. They were never sent. 
I told XXXX XXXX what my numbers needed to be. They acted like they were listening, but they werent. I had to extend my closing date two times because they simply werent ready-despite saying they would be as late as the night before closing. 
I requested a Down Payment Assistance Program. After rejecting the first because of costs the Loan Officer came back with another ten days later. He then told me it did not have to be payed back.I requested copies of the DPA as far as the night before closing so I could see the terms, they went silent and ignored me because thye knew I was tired and XXXX as it was the third time I had to change my clsoing date.I never got final numbers for my loan until I went to sign escrow depsite repeated delays, promises and them bullying me when escalated to Management THIS is the escalation email Loan XXXX URGENT  ESCALATION XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX to customercare My name is XXXX XXXX XXXX and I am a borrower with a current loan in process with your company. My loan officer is XXXX XXXX and his Manager is XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Despite repeated requests, I have not received an updated Closing Disclosure reflecting the correct lender fees, discount points, DPA credits, monthly payment, and cash-to-close. Title has also stated they have not received the final fee sheet or finalized numbers from the lender.

MY CLOSING DATE IS TODAY!!

As you know, I can not legally or ethically sign loan documents without receiving and reviewing an accurate CD before closing.

I have contacted both the loan officer and the branch manager multiple times with no resolution. My file is at risk of failing to close due to non-performance on YOUR teams part, not mine.

I urgently need the following : Immediate corporate-level review of my file Confirmation that final loan terms have been sent to title An updated, correct Closing Disclosure ASAP A SENIOR manager assigned to oversee this file through closing This delay is causing significant financial and emotional XXXX. The ENTIRE process has been an awful experience.

I have no choice but to proceed with a formal complaints because of the violation of compliance codes. 


XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank , National Association, initiated a foreclosure lawsuit against me while my complete Mortgage Hardship Assistance application was actively under review, in direct violation of federal mortgage servicing rules ( XXXX XXXX XXXX XXXX XXXX ). 

Detailed Timeline & Evidence : XXXX. XX/XX/year> : I submitted a complete loss mitigation application via the bank 's XXXX portal. The bank acknowledged receipt with an automated email. 
XXXX. XX/XX/year> : Despite the pending application, Fifth Third Bank 's attorneys filed a foreclosure lawsuit against me in XXXX XXXX, Indiana ( Case No. XXXX ). 
XXXX. XX/XX/year> : The bank 's loss mitigation department sent an email stating, " Your Request for Assistance Package is Complete : Action Required, '' confirming they had all necessary information but had issued no decision or resolution. 
XXXX. XX/XX/year> : A bank representative called me, admitted my application was in their system but marked as " unmarked/untitled, '' and requested I resubmit documents, which I did on XX/XX/year>. This demonstrates severe internal disorganization. 
XXXX. XX/XX/year> : The bank 's foreclosure attorneys admitted in writing that " the foreclosure is on hold and has been since early XXXX '' and that the bank instructed them " not to proceed. '' This confirms the lawsuit should never have advanced. 

Violation : By filing for foreclosure on XX/XX/year>, while my complete loss mitigation application ( submitted XX/XX/XXXX ) was pending, Fifth Third Bank violated 12 C.F.R. 1024.41 ( f ) and ( g ), which prohibit a servicer from making the first notice or filing for foreclosure until a borrower is more than 120 days delinquent and from moving to foreclosure judgment or sale if a complete loss mitigation application is submitted more than 37 days before a foreclosure sale. 

Attempts to Resolve : I have contacted the bank and its attorneys multiple times, providing this evidence and demanding dismissal of the wrongful lawsuit. Their response has been to delay and admit the foreclosure is " on hold, '' but they refuse to dismiss the action, forcing me to incur the stress and cost of legal defense. 

Attachments : I am attaching all supporting documentation, including email screenshots, call transcripts, and attorney correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent charge of {$250.00} on my Apple Card account, issued by Goldman Sachs. The unauthorized transaction was processed by the merchant XXXX XXXX on XX/XX/year>. 
This charge was not made or authorized by me and occurred while I was asleep. I immediately reported the transaction as fraud. Despite promptly notifying XXXX XXXX XXXX , my dispute was denied and I was informed that I am being held liable for this fraudulent charge. 
Goldman Sachs failed to conduct a reasonable and thorough investigation. They did not adequately review account activity, device usage, login history, IP address information, or other indicators that would show the transaction was unauthorized. I fully cooperated with the dispute process and provided all requested information, yet the claim was dismissed without meaningful explanation. 
Under federal consumer protection laws, cardholders are not responsible for unauthorized transactions. Goldman Sachs refusal to properly investigate and reimburse this charge represents a failure to protect my account from fraud and an improper denial of my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/year> Please remove it from my credit report.

2. Identity Theft XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. Identity Theft XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. Identity Theft XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd

Complaint narrative:
It is Wise Payments Limited, often Wise US Inc. in the XXXX. I have a personal account with them which was unfairly closed by them on XXXX XX/XX/XXXX. Since it was unfair, I was little frustrated on the appeal process. I didn't know that was the only last way to regain access to my account. I wrote things that I was not supposed to write there. I admit that because of my human nature of frustration when simple things go unfairly wrong. I appealed that was rejected, lodged a formal complaint onto their portal, of which I got some sort of final response letter on XXXX XX/XX/XXXX that said the same thing that account couldn't be reopened. I lodged a complaint in XXXX of XXXX, XXXX of XXXX, similar institution in XXXX and also in CFPB ( XXXX ). Nothing fruitful. Now why do they close the accounts ( without disclosing reasons ), they mentioned several things on their website that says ; Trading in XXXX, Payments for illegal products or services, Payments for restricted items like weaponry, the account maybe duplicate or the security of account is compromised. So these maybe the reasons according to them. Anyways, my total transactions with them was less than $ XXXX ( USD ). How can they say I have purchased some illegal products, weapons with that. For the security issue they say, as since I am in XXXX, we always use a XXXX to access all the American and worldly apps from the mobile. So XXXX is turned on XXXX, they may have detected that as Wise work well without a XXXX, so they thought account 's security has been compromised whose transactions was all in total less than {$700.00}. For the trading of XXXX, I already know their policy so I didn't use Wise to trade any XXXX XXXX. For the issue of duplicate accounts, that happened to my business accounts. XXXX business account was registered alongside with personal account email address, which i asked them to close and the other was registered on another email address. Both used same company details, so here was a misunderstanding as I admit, but that has nothing to do to my personal account. The business accounts got {$0.00} transactions, since they were not even fully activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
On XX/XX/year> I submitted a dispute to equifax regarding an account reported by XXXX XXXX XXXX  account number ending in XXXX balance {$12000.00} that does not belong to me. I never authorized, opened, or signed any agreement with this company or the original creditor. 
On XX/XX/year> equifax completed the reinvestigation under Confirmation # XXXX and marked the account as " Verified as Accurate '' without providing any supporting documentation, contract, or wet signature. 
This is a sham investigation and a failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The bureau 's response also claims that the furnisher " verified that this item belongs to you, '' which is false and unsupported by evidence. 
This inaccurate reporting has caused credit denials, emotional distress, and damage to my reputation. I am requesting the immediate deletion of this unverifiable and unauthorized account from my consumer report and a written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation