vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Tomo Networks, Inc.
State: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX XXXX for systematic negligence, Truth in Lending Act ( TILA ) and RESPA XXXX, and failure to adhere to XXXX XXXX for XXXX home financing. Their administrative failures and " bait-and-switch '' disclosure tactics have resulted in my displacement and significant financial loss. 

XXXX. Violation of XXXXXXXX XXXX  XXXX  Good Faith Requirements On XX/XX/XXXX, XXXX issued a Closing Disclosure ( CD ) with {$6200.00} cash-to-close. On XXXX XXXX than XXXX hours before closingthey issued a revised CD removing {$2300.00} in lender credits and increasing my cash-to-close to {$10000.00}. 

XXXX justified this by reclassifying the home from " Single Family '' to " Manufactured. '' However, XXXX had the appraisal ( which clearly identified the home as manufactured ) weeks prior. Per HUD XXXX ( FHA Single Family Housing Policy Handbook ), lenders are required to exercise due diligence in property classification early in the underwriting process. XXXX until the " eleventh hour '' to alter loan terms violates the XXXX " Good Faith '' standard and creates a predatory " bait-and-switch '' environment. 

XXXX. Failure to Provide XXXX FHA Riders ( Administrative Negligence ) Tomo failed to provide the mandatory XXXX  ( Deed of Trust ) Rider for manufactured housing to my settlement attorney ( XXXX XXXX ) in time for the XX/XX/XXXX closing. As an XXXX mortgagee, XXXX has XXXX duty of " Reasonable Diligence '' under XXXX XXXX XXXX. Their failure to deliver this basic document prevented the legal recording of my deed and stalled the transaction indefinitely. 

XXXX. RESPA XXXX XXXX XXXX XXXX XXXX has failed to adjust my homeowners insurance premium to match my actual binder, despite being provided proof of the correct premium. Section XXXX of RESPA ( XXXX XXXX. XXXX ) prohibits lenders from requiring excessive deposits into escrow. By demanding a premium higher than my actual policy cost, XXXX is in direct violation of federal escrow limits. 

XXXX. Failure to Apply XXXX XXXX XXXX has failed to reflect the {$1000.00} " courtesy credit '' they offered and I accepted, as well as the {$1500.00} credit from the seller/agent. These omissions result in an inaccurate and inflated CD, which is a violation of Regulation Z regarding the accuracy of final disclosures. 

XXXX. XXXX and XXXX Damages XXXX to XXXX failure to meet the XX/XX/XXXX closing date, I am currently displaced. I have incurred {$2500.00} in moving expenses from XXXX  to XXXX  for a closing that did not occur. I am now forced to pay for daily storage and temporary lodging. Furthermore, XXXXXXXX XXXX failure to communicate has forced me to seek new legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: IN

Complaint narrative:
I am writing to formally file a complaint regarding unemployment benefit payments issued in my name that I have not received and the ongoing failure by KeyBank to resolve this matter despite multiple escalations. 
I originally received unemployment benefits through KeyBank. After recently reapplying for unemployment, I discovered that payments were issued to me ; however, I never received the funds. On XX/XX/XXXX, I contacted KeyBank to report this issue. At that time, I was informed that the process to reissue my check had begun and that I would be contacted within XXXX hours to verify my identity so the check could be sent out. 
Those XXXX hours passed with no contact. 
Toward the end of XXXX, I spoke with another KeyBank representative who confirmed that I should have already been contacted and should have received my funds. Since then, my case has been escalated multiple times, and I have repeatedly been told I would receive a call back from a supervisor. 
Despite these assurances, no one has followed up with me. 
Due to the ongoing inconsistencies, I began documenting every call. Each representative has provided conflicting information. On XX/XX/XXXX, I was told by a representative that my check had already been sent out. Since then, I have continued to call once or twice a week and am once again receiving different and contradictory information. 

my case has been escalated multiple times, and I have repeatedly been told I would receive a call back from a supervisor. Despite these assurances, no one has followed up with me. 

Due to the ongoing inconsistencies, I began documenting every call. Each representative has provided conflicting information. On XX/XX/XXXX, I was told by a representative that my check had already been sent out. Since then, I have continued to call once or twice a week and am once again receiving different and contradictory information. 

As of today : I have not received the unemployment funds owed to me My closed KeyBank account still reflects a balance No supervisor or case manager has contacted me There has been no resolution despite nearly two months of follow-up This delay has caused significant financial hardship. These funds are rightfully mine, and the lack of accountability, communication, and consistency is unacceptable. 

I am requesting : 1. Immediate clarification on the status of my unemployment funds 2. Prompt release or reissuance of all funds owed to me 3. Written confirmation of resolution 4. An explanation as to why this issue has remained unresolved for an extended period despite multiple escalations If this matter is not resolved promptly, I will have no choice but to pursue further action by filing complaints with appropriate regulatory agencies.

I expect a response as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Back in XXXX I disputed my XXXX billing transactions because i wasnt using it at the time and they were just taking money out of my account so when i disputed it with my bank instead of disputing the XXXX bills they went and disputed every XXXX transaction i had but that was incorrect so after that i have been banned from using my XXXX wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any association with these accounts and request their removal within 15 days under 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 non-monetary relief
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
I am filing this complaint regarding Experian Information Solutions , Inc.s continued inaccurate reporting of my student loan accounts as included in bankruptcy. 

Student loans are not dischargeable in bankruptcy absent an adversary proceeding, which did not occur in my case. These accounts were not included in my bankruptcy discharge. 

I previously disputed this inaccurate reporting directly with Experian. Experian failed to correct the error and continues to report the accounts as included in bankruptcy despite being placed on notice. 

This constitutes a failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

As supporting documentation, I am providing : Exhibit A : Proof of my prior dispute submitted to Experian Exhibit B : Proof of my prior CFPB complaint Exhibit C : Current Experian credit report showing the continued inaccurate bankruptcy notation Exhibit D : TransUnion credit report showing the same student loan accounts reported accurately as not included in bankruptcy Experian has now been provided multiple notices and documentation confirming the inaccuracy. Continued reporting of this information is misleading, inconsistent across bureaus, and harmful to my credit profile.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account for {$740.00} was paid in full and closed but is now back as open with balance.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Account for {$740.00} was paid in full and closed but is now back as open with balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Unauthorized debit card transactions totaling {$2200.00} occurred in XXXX. I discovered and reported the fraud as soon as I became aware in XXXX. Chime is refusing to issue provisional credit and has stated the investigation will not be completed until XX/XX/year>, which is an unreasonable and excessive delay. Chime has also improperly redirected me to XXXX XXXX, despite the fraud involving my Chime debit card and not a XXXX XXXX account. I am requesting immediate escalation, timely resolution, and compliance with Regulation XXXX dispute requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit 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: Zip Co US Inc.
State: MS

Complaint narrative:
Please reference complaint XXXX for more details ... Zip issued a refund for XXXX and XXXX on XX/XX/year> and as of XX/XX/year> both refunds have not been received per customer service at Zip credit card issuer via mobile chat on XX/XX/year> and XXXX via phone call on XX/XX/year> my debit card issuer each telling me to contact the other for more information so they are pointing the finger at each other and stonewalling me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 deny ownership of these accounts and request deletion within 15 days as mandated by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no ties to these accounts and ask that they be removed within 15 days under 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit report by XXXX. I have identified accounts and/or information on my credit report that are incorrect, incomplete, or do not belong to me. I previously disputed these items directly with XXXX  ; however, they failed to properly investigate the dispute as required under the Fair Credit Reporting Act ( FCRA ). XXXX  verified the disputed information without providing validation or supporting documentation from the data furnishers. As a result, inaccurate information continues to be reported, negatively impacting my credit score and my ability to obtain credit. I am requesting that XXXX  conduct a proper reinvestigation of the disputed items and either provide full verification documentation or remove the inaccurate information from my credit report in compliance with 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 2025-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-24 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:
This account is not mine and was reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: WA

Complaint narrative:
CFPB Complaint No. : XXXX KeyBank Internal Case Reference : XXXX This submission provides additional information and updates to the original complaint. 

KeyBank National Association previously received a certified death certificate for the account holder and, based on that certificate, froze the account and halted transactions.

After the statutory waiting period required under Washington law, a valid Affidavit of Successor was provided to KeyBank along with required identification, requesting release of estate funds and closure of the account.

Despite having the death certificate on file, having frozen the account, and having received a valid Affidavit of Successor, KeyBank refused to release the funds, process an estate check, or close the account. The bank stated that internal policy or legal review was required but did not provide any Washington Statespecific policy supporting this position. 

On XX/XX/year>, the Affidavit of Successor and supporting documentation were again presented in person at a KeyBank branch. The request was again refused.

Following the initial CFPB complaint, multiple written communications were 
sent to KeyBank seeking resolution and requesting the Washington Statespecific policy relied upon. These communications included emails sent to a KeyBank representative identified as XXXX, referencing KeyBank internal case number XXXX. No substantive response has been received to these emails. 

XXXX scheduled a follow-up contact for Thursday, XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX XXXX to address the matter. That follow-up did not occur, and no explanation or rescheduling communication was provided. 

On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX XXXXXXXX, KeyBank attempted to contact the consumer by telephone. No voicemail was left, and no written follow-up explaining the purpose of the call was provided. 

Since that attempted call, no further contact has been made by KeyBank. No written response has been provided addressing the outstanding issues, no Washington Statespecific policy has been produced, and the account remains frozen with the estate check unresolved.

This update is submitted to document continued lack of follow-through, missed follow-up commitments, unanswered communications, and ongoing failure to resolve the matter since the original complaint was filed.

Company response to consumer: Closed with explanation