vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
I am writing to dispute several accounts on my credit report that I believe to be inaccurate. Below is the detailed list of accounts I am disputing with each respective credit bureau. I request that these accounts be investigated and any discrepancies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing a complaint against Freedom Mortgage Corporation for failing to refund my escrow balance after the assumption of my mortgage by another party. 

XXXX. The escrow transfer was not disclosed on the Closing Disclosure ( CD ) or XXXX statement. 

At closing on XX/XX/year>, I signed the standard closing documents, including the XXXX settlement statement. 
Nowhere on the XXXX does XXXX list : any escrow transfer to the buyer any escrow proration any escrow credit any deduction from my seller proceeds any line item indicating the escrow account would not be refunded to me Under XXXX  ( XXXX XXXX XXXX ), any transfer of escrow funds MUST be itemized on the settlement statement to be valid. This was not done. 

XXXX. I was required to sign a separate Assignment of Escrow Account and Insurance Policies form that was never explained to me. 

This page was not presented or discussed by the title company. 
I had a mobile notary, not the closing XXXX. 
The form appears unrelated to the numbers on the XXXX and does not override XXXXrequired disclosures. 

XXXX. Freedom Mortgage is now refusing to return my escrow balance. 

I was told that the escrow funds go to the new borrower, even though : I funded the escrow account No transfer was listed on the closing disclosure No credit to me was given No escrow proration was documented The buyer did NOT fund the escrow balance at closing I have not received any final escrow analysis I have not received any refund check This is a direct violation of XXXX  XXXX ( f ) ( XXXX ), which requires the lender to refund any escrow surplus after account termination unless the transfer was properly disclosed. 

XXXX. The title company also failed to disclose an escrow transfer on the seller settlement statement. 

Every item paid by the buyer or seller must appear on the XXXX. 
My XXXX shows XXXX escrow transfer, meaning Freedom Mortgage must refund the funds to me after account closure. 

XXXX. I am requesting CFPB enforcement to obtain my escrow balance. 

I am requesting that Freedom Mortgage : Provide a complete and accurate final escrow statement Provide the amount currently held in escrow Refund the full escrow balance owed to me Explain why the escrow was not disclosed on the CD as required by federal law Explain why the escrow was not refunded within XXXX business days of loan termination I have attached relevant documents including : XXXX settlement statement ( XXXX  pages ) showing no escrow transfer The separate Assignment of Escrow Account form that was never disclosed Correspondence from Freedom Mortgage refusing refund Freedom Mortgages actions are deceptive, violate XXXX  disclosure requirements, and have caused financial harm.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PR

Complaint narrative:
I am writing to formally dispute and express my concern regarding a debt that I was recently informed about, which I was completely unaware of. At no point was I notified or properly informed that any balance remained pending, and I consider this charge to be both unexpected and unjust. 

Additionally, after reviewing the documents I still have, there is no indication or explanation stating that withdrawing from the technical studies would result in any charge or outstanding balance. Had I been informed of this requirement, whether verbally or in writing, I would have made decisions accordingly and with full understanding. 

It is especially troubling to receive this notification after XXXX years, without any prior communication, clarification, or orientation regarding an outstanding debt. Had I been notified at the time, I would have addressed the issue immediately. 

I kindly request a detailed explanation of the origin of this alleged debt, including all related documents, dates, and account activity. I also ask that this charge be reviewed and reconsidered given the lack of notification, the absence of any documentation indicating such a charge, and the unreasonable amount of time that has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MS

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Well this all started XX/XX/XXXX when my vehicle causing me to fall behind since only XXXX part was covered not the other so I paid over {$1000.00} to get it fixed they wouldnt work with me even I tried to explain my car was not working for XXXX months because of mechanical issues they wanted me make my payment XXXX  even if I did that they told I had to wait at XXXX  days for a decision not sure if will even after I waited for XXXX I was out of vehicle to get to work or anywhere else they came but he didnt have proof of that my automatic stay was lifted to get the vehicle which is violation of federal court order

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This complaint concerns the unsatisfactory closure of a merchant dispute by Navy Federal Credit Union ( NFCU ) regarding an unauthorized charge of {$850.00} by XXXX XXXX XXXX. 
The Incident : On XX/XX/year>, while attempting to book a consultation, I was erroneously charged {$850.00} for a full service ( XXXX XXXX XXXX XXXX XXXX ), which I did not authorize and did not receive ( see receipt, XXXX ). 

Merchant Communication : I immediately contacted XXXX XXXX  via text and email to cancel/refund the unauthorized full-service charge ( XX/XX/XXXX - XX/XX/year> ). Customer service confirmed cancellation on XX/XX/year>, but refused a refund based on a " strict policy that all sales are final, '' despite the fact that no service was rendered ( only a brief, incomplete consultation ). 

NFCU Dispute Failure : I initiated a dispute with NFCU on or around XX/XX/year> ( NFCU requested documentation by XX/XX/year>. I provided all my evidence proving cancellation and non-receipt of services. NFCU subsequently denied my claim, stating that the merchant sent documentation claiming I received the full {$850.00} service. This is unequivocally false, and NFCU failed to properly review my counter-evidence or investigate the merchant 's fraudulent claim. 

Final Documentation Request : Following the denial, I requested a copy of the specific documentation the merchant used to deny my claim, but NFCU failed to provide it, thereby withholding the evidence they relied upon to close the dispute against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: SC

Complaint narrative:
Company last XXXX sent a email stating a XXXX dollar bonus if you referred any customer to sucessfully open a bank account, as well as them recieving {$150.00} I had my wife open a new account, and they never sent the referal bonus to either of us. It was a bait & switch operation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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.

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX - Balance : {$230.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-25 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me in ways that are 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 2025-11-25 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
I am disputing the late payments reported on my federal student loan serviced by XXXX. These late payments were the result of servicing errors and misinformation, not my actions. I submitted a hardship request related to a natural disaster, and XXXX failed to inform me of the correct deadlines and requirements. The information I received from XXXX representatives was inconsistent and changed multiple times, even on recorded calls. 

Because of this misinformation, my account was placed into delinquency and late payments were reportedeven though I was actively communicating with the servicer and attempting to follow their instructions. These lates are the result of improper servicing, not missed payments. I have already escalated this issue to the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX for misinformation. 

I am requesting a review of XXXX handling of my hardship request and the accuracy of the late payments reported during this period.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/year>, I received a payment of USD XXXX through my PayPal account for an online service. After the payment, the buyer and I agreed to cancel the service before any work started, and the service was never delivered. Both the buyer and I agree that the payment should be fully refunded. 
When I logged in, I found that PayPal had permanently limited and deactivated my account. I followed XXXX  instructions, submitted my ID and the information they requested, and asked them to explain why my account was limited and how I could refund my buyer. They did not give any clear or specific explanation of what rule I allegedly violated, and the permanent limitation stayed in place. 
Because of the limitation, I can not send payments or issue a refund from my account. When I tried to process a refund using XXXX system, the refund was declined with a notice that it could not be completed due to restrictions on XXXX of the accounts. PayPal is also holding the funds for up to XXXX  days, so the money is under XXXX  control and neither I nor the buyer can access it, even though we both want the payment to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX says that they removed the account, which was written off & the debt collector says that their account information was deleted & no records exist but experian is still 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 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
LoanDepot.com, XXXX  instructed me that I must miss mortgage payments as a condition for hardship assistance or else they would not speak to me about hardship, causing false delinquency reporting and severe credit damage. Loan Depot later misrepresented my occupancy status on short sale documentation, resulting in denial of relocation assistance. Their actions violated mortgage servicing standards and led to incorrect credit reporting that remains uncorrected despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I, XXXX  XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax XXXX  XXXX. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: IL

Complaint narrative:
I was interested in purchasing a tesla as i didnt know there was a {$250.00} non refundable fee. i later had other issues trying to apply which made me no longer interested in pursing. i reached out for a refund and was told no thought i NEVER received any goods which is considered theft, and even if i signed a document stating i agree to not receive my deposit back, it's illegal for a company to ask you to sign your rights away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION AND ACCOUNTS. I HAVE SENT THEM LETTERS SEVERAL TIMES TO REMOVE THEM ATTACHED TO THE LETTERS ARE MY POLICE REPORT AND FTC REPORT BOTH FOR IDENTITY THEFT LISTING ALL THE FRAUD INFORMATION. CREDIT REPORTING AGENCIES SUCH AS EXPERIAN, TRANSUNION AND EQUIFAX STILL CONTINUE TO REPORT THE FRADU ACCOUNTS THAT ARE IDENTITY THEFT.FRAUD IDENTITY THEFT ACCOUNT XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/year>. INACCURATE REPORTING OF MY XXXX XXXX CARD. THIS ACCOUNT WAS A PAID OFF CREDIT CARD WHEN IT WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS HOW THE LATE PAYMENT OCCURRED THAT NEED TO BE CORRECTED TO NO LATE PAYMENTS. INCORRECT PHONE NUMBER I AM NOT ASSOCIATED WITH ENDING IN XXXX. THE ABOVE INFORMATIONS THAT ARE INACCURATE, FRAUD AND IDENTITY THEFT ARE REPORTING ON ALL 3 CREDIT REPORTING AGENCIES..

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 2025-11-25 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: CA

Complaint narrative:
I got my direct deposit from my work onto my Chime account. And there was an unauthorized charge to my card of {$240.00}, I tried to call the chime immediately but they said due to the pending charge, I had to wait for it to be completed before I can make a dispute on this transaction, which I did I waited. I think 4 more days I called chime back. Made a dispute got new card, froze my car immediately when the charge was put on there called back, they did an investigation denied me then I called him back I wanted a reinvestigation, and the reason for my denial, they denied it again within the the same day so I know they didn't do a full investigation, I just want them to give me my funds back that were took off my card the PIN WAS NOT USED FOR THIS TRANSACTION and WANT TO BE CLEAR I DIDNT MAKE THIS TRANSACTION I DONT think it's fair MY CARD MUST HAVE BEEN SKIMMED BECAUSE I NEVER LOST MY CARD IT WAS ALWAYS IN MY POSSESSION I HAD MISS PLACED MY CARD BUT FOUND MY WALLET UNDER MY SEAT IN MY CAR i told them all this then if there's a skimmer there or whatever. But I had my card in my possession the whole time, so I just don't understand why they can't help me out it was don't on my chime credit account I already went to talk to the store owner about this situation. He's gone out of the country for the next week or so, so I'm not able to get any answers there, either. I just want my money back onto my card that I did not authorize, and II wanted them to tell me what what reasoning they had to deny my request. And I haven't got a good response yet, Then to give me a response on why they denied me

Company response to consumer: Closed with explanation