vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Hometap Equity Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, I entered into an Option Purchase Agreement with Hometap, in exchange for a {$44000.00} investment secured by a lien on my home. I only received a full copy of the 106-page investment package in XX/XX/XXXX, after filing a CFPB complaint. Prior to that, I had repeatedly requested the full documentation since XX/XX/XXXX, but Hometap failed to provide it. 

Hometap also cited recorded phone calls in their written responses but refused to provide copies. They claimed to close the dispute while the investment remains active, and while I continue to contest the appraised value and repayment terms. 

The original XXXX appraisal used to justify the investment severely undervalued my property by over {$100000.00} compared to nearby comps and refinance activity. I believe this was deliberate and allowed Hometap to take a higher equity percentage at the time of the contract. Their calculation methods result in potentially excessive and unjust settlement amounts. 

Their refusal to provide call recordings, late disclosure of essential investment documents, and enforcement of a lien under what may be deceptive financial structuring raises serious concerns under UDAAP, Regulation B, and potentially the Truth in Lending Act. 

This complaint supplements CFPB case # 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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report. After reviewing my initial dispute, the credit bureau contacted me and asked for additional documents to complete the investigation. I provided the exact documents they requested, in full, and followed the instructions they gave me. 

After sending the additional information, the credit bureau told me that I am not allowed to challenge or dispute anything again for 90 days. They refused to reinvestigate, even though I provided new information they requested. 

This is not consistent with the Fair Credit Reporting Act. There is nothing in FCRA 611 or any other section that allows a credit reporting agency to impose a 90-day restriction on disputes, especially after the bureau itself asks for more information. Once a consumer provides the requested documents, the bureau is required to reinvestigate within the normal 30-day period. 

Their refusal to investigate after receiving the documents they requested is a clear violation of FCRA 611 ( a ) ( 1 ), which requires a timely reinvestigation when a consumer provides additional or supporting information. 

This refusal also appears to be a stall tactic that prevents me from correcting inaccurate information and harms my ability to obtain credit at fair terms. It has already caused inconvenience and potential 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: 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: GA

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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00} XXXXDOFED XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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: DC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS

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: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Someone. 
Hacked into my Chime account and took all of the money that I had out of there.They transferred from my created builder account, savings account, into my checkings account and sent all of the money.I had in my Chime account to a account I think themselves.

Company response to consumer: Closed with 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 — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
I reviewed my credit report and noticed accounts not being reported. Capital one added charge off to my account after I made all payments on the closed accounts which negatively impacted my credit. I also have incorrect late payments and balances reported showing incorrect usage of my credit from capital one and XXXX XXXX XXXX. My onetime payments are not being accurately reported. My last capital one payment was a few days late due to the conflict of the government shutdown but was reported as 30 days late inaccurately. As an XXXX XXXX service member this is frustrating to deal with on top of currently being XXXX. I would like these late payments, incorrect balance statements and inaccurate statements on my account removed so that I may obtain housing when I return to the United States in a few weeks.

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute several inaccuracies reflected on my credit report. The first accounts in question are late closed accounts, specifically XXXX XXXX XXXX * * with a balance of {$1100.00} * * and XXXX XXXX * * with a balance of {$530.00} * *. These accounts have been reported as late or delinquent at the time of closure ; however, my records, including monthly statements and closure confirmations from both creditors, show that all payments were made on time and the accounts were responsibly closed. Reporting these accounts as late creates a misleading impression of my financial responsibility and can negatively impact lending decisions, interest rates, or loan approvals. I request that these accounts be fully verified and updated to accurately reflect their status as closed accounts in good standing. Proper reporting of these accounts is essential to ensure my credit history is complete and accurately reflects my responsible financial behavior. 
The second set of accounts under dispute includes charge-off accounts, specifically XXXX XXXX XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$850.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00} * *. These balances and charge-off statuses do not accurately reflect my account history, payments, or any ongoing arrangements I have established with the creditors. For instance, the XXXX XXXX account shows a high balance that does not consider partial payments or settlement discussions, while XXXX  XXXX and XXXX XXXX balances appear inconsistent with statements and payments I have made. Reporting these accounts as charge-offs without proper verification misrepresents my financial responsibility and can severely affect my overall creditworthiness. I request that each account be fully investigated, verified with the original creditors, and updated to accurately reflect the correct balances and account statuses. 
Finally, I am disputing a credit inquiry that is missing or inaccurately reported in XXXX bureaus, specifically XXXX XXXX ( XX/XX/2025 ). This inquiry was authorized by me as part of a legitimate credit application, yet it is absent from the reports, creating an incomplete and misleading representation of my recent credit activity. Missing inquiries can lead lenders to misunderstand my credit-seeking behavior and may negatively affect evaluations for loans, lines of credit, or other financial services. Accurate reporting of all inquiries is essential to ensure that my credit history is complete and reflects responsible financial management. I request that this inquiry be verified with the originating creditor and accurately reported across all bureaus, and that written confirmation of the investigation and any updates be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt Validation Letter LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Debt Validation Request Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount Disputed : {$600.00} To Whom It May Concern : I am writing in response to your listing on my credit report. I dispute this debt in its entirety. This letter is a formal request for validation of this debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

While you conduct your investigation, I also demand that you cease all credit reporting activities regarding this account. The account must be updated as " Disputed '' with all credit bureaus you report to, including XXXX.

Furthermore, if you have already reported this account to any credit bureau, I require that you immediately delete the listing during this validation period, as is required by the Fair Credit Reporting Act. 

Until you provide the legally required validation, I will continue to dispute the existence of this debt and its reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I went to a XXXX XXXX for a hot dog and within the hour my funds were removed from the account. I used my phone wallet to make the purchase. Never once did i have the physical card on me. The hacking system used got my information from the one purchase i made at that XXXX. They made sure not to take my full amount and made it an even number. Reported it to Venmo and was denied because the funds taken out werent over my limit. The scammers left me with {$3.00} in my account. I made a police report and reported it to the XXXX XXXX franchise. My bank account resolved the case 3 days later denying my dispute.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$720.00}. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$720.00}. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute on XXXX XXXX on XX/XX/year> when a past due bill mailed to my home address. My credit has dropped XXXX points or so. I call Synchrony Bank about a card that was opened fraudulently with my social on XX/XX/XXXX. They claimed to shut it down and reported it Im still waiting for statements that I will provide on the XXXX business day.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XX/XX/XXXX, I discovered a Citibank credit card on my credit report that I did not open. The account was opened in XX/XX/XXXX with a balance of approximately {$47000.00}. I did not apply for this card, did not receive it, and had no knowledge of its existence until reviewing my credit report. 

This account was opened using my maiden name, which I have not used since XXXX. I arrived in the United States on XX/XX/XXXX, and I received my Social Security number only at the end of XX/XX/XXXX. The first and only credit card I was eligible for at that time was a secured credit card from XXXX  XXXX XXXX, because I was new to the XXXX and had no credit history. With the same information available to all lenders, Citibank would not have been able to approve me for a {$47000.00} credit line. 

The address associated with this Citibank account is in XXXX, Arizona, but I have never lived in Arizona at any point in my life. 

I disputed this account through the CFPB. Citibank responded that I am still responsible for the account and asked me to update my personal information, despite clear evidence that the account is fraudulent. 

I have also contacted the XXXX Police Department and filed an identity theft report regarding the fraudulent accounts opened under my name. The police report number is XXXX. 

Due to this fraudulent account, my credit score has dropped from XXXX to XXXX, which is significantly affecting my everyday life, including my ability to access credit, housing, and other financial services. 

I am requesting assistance in having this Citibank account properly reviewed and removed from my credit report as a fraudulent account opened without my consent or knowledge.

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