vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bank with chime and they sent me a notification that for my protection the restricted my account for usual activity i have money in my account and haven't done anything for them to do so they un froze it and woth in a matter of mins they froze it again my check got deposited and there is around XXXX dollars in my account that I dont have access to it and they have no explanations or reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
The property is under a trust called XXXX XXXX XXXX and I, XXXX XXXX am the trustee. The mortgage was under an individual XXXX XXXX who is deceased, but authorized XXXX XXXX ( my mother ) to have access to it. Unfortunately my mother had a XXXX and does not have the mental capacity to handle this. I, in turn have POA of her and the trust. Previously it was XXXX XXXX home mortgage but got transferred to rocket mortgage. I did not get any letters regarding this transfer and do not have the new loan number affiliated with rocket mortgage. I called trying to gather this information so I can make monthly payments and the agent informed me he could not give me that information. I have included : -Quitclaim deed for XXXX, who owns the property -Grant Deed -Statement from XXXX XXXX -Cert of trust/trustee -POA for person acting for seller on loan, at time of transfer of mortgage and property. 
-original trust document -proof of payment for the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Product : Checking or savings account Account type : Business account Issue : Wire transfer / Scam bank failed to properly investigate Complaint text : On XX/XX/year>, I reported a scam involving a {$60000.00} wire transfer sent from my business account. 
Bank of America acknowledged that I was a scam victim and assigned a claim number. 
The transaction was induced by material misrepresentation. The seller claimed revenue that could not have existed, as the referenced supplier did not exist or was not operating during the relevant time period. This is objective, verifiable evidence of fraud. 
Despite acknowledging the scam, Bank of America did not request documentation, did not evaluate the misrepresentation, and did not conduct a proper investigation. The matter was handled solely as a wire recall attempt and effectively closed on the basis that the wire could not be reversed. 
Closing a scam claim because a wire can not be recalled does not constitute a proper investigation. The bank failed to assess readily available evidence and failed to provide a written determination addressing the misrepresentation. 
As a result of Bank of Americas procedural failures, I was deprived of meaningful remedies and suffered financial harm. 
I am requesting that Bank of America : Acknowledge its failure to properly investigate the reported scam Provide a written explanation of the investigative steps taken Provide appropriate remediation for the harm caused by its mishandling of this claim Attachments to upload : Scam Victim Acknowledgment ( XX/XX/year>XXXX  ) Wire confirmation ( date, amount, reference ) Any seller representations ( emails/contracts ) Proof supplier did not exist/ was inactive at the time

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 2025-12-18 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
am unaffiliated with these accounts ; they must be deleted within 15 days following USC 1681g.

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 2025-12-18 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: LA

Complaint narrative:
I am submitting this dispute to request the correction of inaccurate credit reporting on my credit file, as outlined below for each bureau. The accounts listed below are inaccurate, incomplete, or misreported, and I seek that the relevant information be corrected according to the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting fraudulent and unverifiable information on my credit file, including a XXXX XXXX collection account ( {$430.00} ) with no account number and multiple unauthorized credit inquiries ( XXXX and XXXX XXXX  ). 
I have disputed these items, yet TransUnion has failed to conduct a reasonable reinvestigation and has denied that these items are appearing on my credit report, even though the same information is actively displayed and disseminated through XXXXsourced third-party platforms such as XXXX. 
TransUnion continues to furnish inaccurate data, deny its presence, and fail to ensure maximum possible accuracy, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ).

As a result, my credit score has declined and accounts have been closed. I am requesting deletion of the fraudulent account and inquiries, written confirmation, disclosure of the method of verification, correction of all third-party reporting, and recalculation of my credit score.

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 2025-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Experians failure to conduct a reasonable investigation under the Fair Credit Reporting Act. I have disputed this account multiple times, providing new and relevant information, yet Experian continues to report inaccurate information. 

The account in question was sold by the original creditor to a third-party debt collector. Despite this, Experian continues to report a balance and past-due status under the original creditor. I have never received proper debt validation, a signed contract, or proof of assignment from the collector. 

Experian has relied on automated verification rather than conducting a meaningful investigation, allowing inaccurate and misleading information to remain on my credit report. I am requesting that Experian be required to correct or delete this account in accordance with the FCRA

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 2025-12-18 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: TX

Complaint narrative:
Theses companies are reporting incomplete ( no account numbers for the accounts listed below ) and inaccurate information as a COLLECTION ACCOUNT CAN'T BE A OPEN ACCOUNT. 
XXXXXXXX XXXXXX/XX/XXXX {$3400.00}, XXXXXXXX XXXXXX/XX/XXXX {$1900.00}, XXXX XX/XX/XXXX {$680.00}, XXXX XX/XX/XXXX {$590.00}, XXXX XX/XX/XXXX {$480.00}, XXXX XX/XX/XXXX {$460.00}, XXXX XX/XX/XXXX {$470.00}, XXXXXXXX XXXXXX/XX/XXXX {$430.00}, XXXX {$110.00}, the reporting creditor doesn't have a account number or contract between myself and them ... therefore im requesting these illegal, incomplete and inaccurate accounts be removed immediately and these accounts be VALIDATED

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 2025-12-18 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 writing to dispute the following items on my credit reports. The accounts listed below are being disputed as they contain inaccurate or incomplete information. I am requesting a thorough investigation into these accounts and corrections made where necessary. Below are the details of the acCharged Off : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXXXXXX  Positive Accounts : ( No disputes listed under this section for XXXX XXXX Late Payments : ( No disputes listed under this section for XXXX  ) counts in dispute, separated by bureau.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX got a notice my account was restricted XX/XX/XXXX got paid Called chime because I could pay my bills several times like XXXX I've lost count. 
Spoke to a supervisor after being told several times by agents they could not transfer me Supervisor told me the same thing the agents told me.

Called again today several time on XX/XX/XXXX On XX/XX/XXXX at XXXX my account was unlocked then locked again while I was trying to pay my light bill. Was told to wait another 48 hours. 
Light bill past due carnote pass due, mortgage past due, phone bill past due water bill past due. I have explained all of this to chime. And they say there is no resolution I just have to wait. My daughter has XXXX  XXXX and she has to take daily treatments and my lights will be turned off and I let them know that they are threatening the wellbeing of my family and the health of my child if my bills are not paid. Today the supervisor hang up on my face because I let her know that i will be filing a complaint with the cfpd. Since she could not escalate me to a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: 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 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Dear Sir/Madam, I am a consumer who is attempting to resolve discrepancies in my credit report. Below are the details of the accounts that I dispute, organized by credit bureau. I request your assistance in reviewing these accounts for inaccuracies and taking the appropriate action to correct the records. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00} Inquiries : XXXX XXXXXXXX XXXX Date : 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 2025-12-18 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: WI

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 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 2025-12-18 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am submitting this dispute to request an investigation of inaccurate and unverified items on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that TransUnion verify or remove the following disputed items.

Charged-Off Accounts At this time, there are no charged-off accounts listed for dispute under TransUnion. 

Unauthorized / Unverifiable Inquiries The following inquiry appears on my TransUnion credit report, and I do not recall authorizing it. I request verification of permissible purpose for this inquiry, or its immediate removal : XXXX XXXX Date : XX/XX/year> Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXXXXXX 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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX Identify theft fraudulent accounts.

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 2025-12-18 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 disputing the following items reported by TransUnion : INQUIRIES XXXX XXXX XXXX Date : XX/XX/year> LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-18 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 disputing the following items reported by Experian : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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