vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 2025-10-27 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage sent correspondence to me on XX/XX/year>2025 stating that there was a XXXX  of almost {$2200.00} in my escrow account and that I was due a refund. 
I contacted them and asked what I should do about my XXXX payment, and if the escrow payment should be included or was that only to pay principal and interest for the month of XXXX? I was told to only pay the principal and interest for that month. 
They sent me a check for {$2100.00} the following week for the escrow overage. 
The following month of XXXX, I made the normal payment including escrow. 
I have come to learn that they have reported both late and missed payments for the month of XXXX and XXXX but the payments for each of those minds cleared my bank within those months. This has affected my credit score substantially. This has caused other creditors. To close accounts of mine due to these false reports of delinquency or nonpayment. I have contacted Freedom Mortgage repeatedly and nothing has been done. 
Today I just received correspondence stating that Freedom Mortgage has not made any payments on the taxes of my home to XXXX XXXX or the XXXX  district from the escrow account in question. XXXX XXXX is threatening to lock my utilities for the home I own and pay for. I have never had a single late payment. I have never had a single miss payment and all payments have been made in full.

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 2025-10-27 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Zillow Group Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was connected to loan officer XXXX XXXX with Zillow Home Loans , LLC after receiving a text from their number XXXX ( XXXX ) XXXX. During a phone call that began around XXXX XXXX  PDT from XXXX ( XXXX ) XXXX, the loan officer repeatedly told me I needed to have a real-estate agent to move forward with a mortgage pre-approval. I asked whether this was a legal requirement or company policy and requested the policy in writing. He refused to provide any written proof and ended the call. 

He stated : You wont lose anything, You dont pay them, Theyll ask you for one unless you buy for-sale-by-owner, and Otherwise, you need one its a Zillow policy. When I clarified that California law allows buyers to represent themselves, he insisted it was required by Zillow. No loan details, rates, or credit improvement steps were discussed. 

After the call, I emailed XXXX and XXXX requesting preservation of the call recording and related documentation. The company has not provided the information requested. 

This appears to be deceptive steering toward preferred agents, potentially violating RESPA 8 ( kickbacks and unearned referral fees ) and CFPB anti-steering rules. I am requesting the CFPB obtain and review the call recording and internal policies cited by the loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal, Thank you for taking the time to read this letter. Im writing with sincere confusion and concern.

I created my PayPal account through XXXX to support my website, XXXX However, every time I tried to sign in, I was redirected or told the account couldnt be accessed. PayPal then prompted me to create a new account, and the original one remained unreachable. This loop left me without access or resolution. 

On XX/XX/year>, I received an email stating that my account was permanently blockedwith no explanation. I understand Im not a major vendor. I understand my voice may not carry weight in your system. But I do believe that every user deserves a clear and respectful explanation when access is revoked. 

I am a XXXX woman learning to run a business online. My intentions were honest : to set up a secure payment system for my customers. Ive used XXXX XXXX, but I wanted to offer PayPal as an option for those who prefer it. I was simply trying to be professional. 

I understand the importance of fraud prevention. But I also believe in transparency. If my account was blocked due to a specific issue, I ask only to be informed. Not for reversaljust for understanding. 

My company, XXXX XXXX XXXX XXXX, is built on integrity and testimony. I hope your systems reflect the same. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year>2025 someone opened a credit card account without my permission with US BANK. I received 3 emails : we received your app, app was approved, you have a new acc, you can deposit a min of {$25.00}. 
Called US BANK and they confirmed that a new acc was opened on my name and it has balance XXXX, for now. The acct was frozen at my request, ID THEFT AFFIDAVIT forms were sent to me. 
XXXX  and XXXX XXXX Credit report has been frozen. 
Filed a police report on Identity Theft on 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 2025-10-27 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX opened a home improvement loan account in my name with a reported balance of {$20000.00} and an 84-month term. The account was later transferred or sold, and as of XX/XX/XXXX, all three credit bureausTransUnion, Experian, and Equifaxreflected a {$0.00} balance and transferred status. 

However, despite the account being closed and transferred, Equifax continued to report it as a charged-off, derogatory account on XX/XX/XXXX. This occurred after XXXX XXXX filed for XXXX XXXX bankruptcy in XX/XX/XXXX, meaning the company no longer had legal authority to furnish or verify consumer data. 

The report lists the account as : Account Type : Mortgage / Home Improvement Status : Collection/Charge-off Comments : Charged off account ; Account transferred or sold Balance : {$0.00} Last Reported : XX/XX/XXXX I did not authorize any continued reporting activity by XXXX XXXX or any successor entity after their bankruptcy filing. I contacted Equifax to dispute the accuracy of this information, as it represents illegal and inaccurate post-bankruptcy reporting under the Fair Credit Reporting Act ( FCRA ). The company has not responded or corrected the record. 

I am requesting that the CFPB investigate and remove this account from my credit reports and require the bureaus to issue a corrected report reflecting that the account was closed, transferred, and not chargeable as a loss after XX/XX/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 2025-10-27 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: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX opened a home improvement loan account in my name with a reported balance of {$20000.00} and an 84-month term. The account was later transferred or sold, and as of XX/XX/XXXX, all three credit bureausTransUnion, Experian, and Equifaxreflected a {$0.00} balance and transferred status. 

However, despite the account being closed and transferred, Equifax continued to report it as a charged-off, derogatory account on XX/XX/XXXX. This occurred after XXXX XXXX filed for XXXX XXXX bankruptcy in XX/XX/XXXX, meaning the company no longer had legal authority to furnish or verify consumer data. 

The report lists the account as : Account Type : Mortgage / Home Improvement Status : Collection/Charge-off Comments : Charged off account ; Account transferred or sold Balance : {$0.00} Last Reported : XX/XX/XXXX I did not authorize any continued reporting activity by XXXX XXXX or any successor entity after their bankruptcy filing. I contacted Equifax to dispute the accuracy of this information, as it represents illegal and inaccurate post-bankruptcy reporting under the Fair Credit Reporting Act ( FCRA ). The company has not responded or corrected the record. 

I am requesting that the CFPB investigate and remove this account from my credit reports and require the bureaus to issue a corrected report reflecting that the account was closed, transferred, and not chargeable as a loss after XX/XX/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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received an email from Chime notifying me that I had sent XXXX unauthorized transactions one for {$420.00} and another for {$75.00} to someone named XXXX XXXX. Shortly after, I received another email from Chime at XXXX XXXX   stating that the email address associated with my account had been changed to an unknown XXXX address ( which I could not fully view ). I did not authorize or request this change, and I never received any verification code to confirm it. 

On XX/XX/XXXX, around XXXX XXXX, I discovered these emails and immediately contacted Chime Member Services to report that my account had been hacked. I was unable to log in using my usual email and password. A dispute case was opened, but Chime closed it within 24 hours. I called back and asked for an explanation, and I was told the dispute was closed due to an error. That is not a valid reason, and no one was able to explain what that meant. If I had been given a clear reason, I could have taken the necessary steps on my end to address it. 

I later provided new information, including a police incident report, and Chime reopened the case. However, on XX/XX/XXXX at XXXX XXXX, I received another email stating the case was closed again within 24 hours, with no proper explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information being reported on my credit file. Despite maintaining my current and correct address for some time, outdated and incorrect addresses and employer information continue to appear on my credit report.

Details : My name is XXXX XXXX XXXX, and my correct and current address is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX After reviewing my credit report dated XX/XX/XXXX, I found that several outdated addresses and past employers are still listed, even though they no longer apply to me. This information is not only inaccurate but misleading, as it does not reflect my present or verified records.

The following outdated information should be removed from my file : Previous Addresses ( Inaccurate or Outdated ) : XXXX XXXX XXXX, XXXX, FL XXXX incorrectly reported as current XXXX XXXX XXXX, XXXX, FL XXXX Outdated Employers : XXXX ( Date Updated : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Updated : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date Updated : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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