vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: OH

Complaint narrative:
On XXXX I paid my mortgage to XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. I normally pay my mortgage at a different XXXXXXXX XXXX location. I decided to use this location because it's closer to my house and I was running errands in the area that day. The teller processed my payment for {$550.00} and my mortgage is {$750.00} total. The teller didn't say my payment was short. This prompted me to have to file a police report due to missing funds. It was investigated and I ended up borrowing money that I didn't have to pay for missing funds caused by the teller. I'm on a fixed income and I have never missed XXXX payment with my mortgage and I've never been late in the XXXX years since I've moved in my house. This has caused added pain and suffering to my credit reports for late fees that were not caused by any negligence on my behalf. I have made every payment to the mortgage company in a fair and just manner. This needs to be investigated further. Failure to properly apply payments as of the date received, would be in violation of 12 CFR ss 10267.36 ( c ) ( 1 ). I'm asking for the credit bureaus and my mortgage servicer to properly review this situation and correct it. Under 12 CFR ss 1024.35 ( e ) they are required to investigate and respond in writing within 30 business days from receipt of this dispute.

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 2025-10-09 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: OH

Complaint narrative:
On XXXX I paid my mortgage to XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. I normally pay my mortgage at a different XXXXXXXX XXXX location. I decided to use this location because it's closer to my house and I was running errands in the area that day. The teller processed my payment for {$550.00} and my mortgage is {$750.00} total. The teller didn't say my payment was short. This prompted me to have to file a police report due to missing funds. It was investigated and I ended up borrowing money that I didn't have to pay for missing funds caused by the teller. I'm on a fixed income and I have never missed XXXX payment with my mortgage and I've never been late in the XXXX years since I've moved in my house. This has caused added pain and suffering to my credit reports for late fees that were not caused by any negligence on my behalf. I have made every payment to the mortgage company in a fair and just manner. This needs to be investigated further. Failure to properly apply payments as of the date received, would be in violation of 12 CFR ss 10267.36 ( c ) ( 1 ). I'm asking for the credit bureaus and my mortgage servicer to properly review this situation and correct it. Under 12 CFR ss 1024.35 ( e ) they are required to investigate and respond in writing within 30 business days from receipt of this dispute.

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently reviewed my annual credit report, as I observed I had XXXX inquiries. I am more than positive not one of these institutions had my permission to do a credit check on me. Under 15 USC 1681 ( b ) permissible purpose, these inquiries are fraud because I never gave anyone permission to pull my credit report. Here is a list on inquires ( XXXX ) that are on my TransUnion report : INQUIRIES : 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 XXXXXX/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 2025-10-09 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: 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 2025-10-09 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4

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 2025-10-09 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: NY

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 ] 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I currently hold an active business account with Citizens Bank. Recently, I experienced an unfortunate incident in which my phone and wallet were stolen. Shortly afterward, unauthorized transactions were made using my account, resulting in a negative balance of - {$42.00}. 

I reported the matter to the bank the following day. However, since then, my account has been locked, and I have been denied online access. When I spoke with a supervisor, I was informed that my account is still under review, but I have not received any further updates. 

I would appreciate an update on the status of the review and any steps I can take to restore access to my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The entry in question is not reflective of my payment practices and appears mistaken. Please review and correct it.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
I deposited an {$11000.00} cashiers check from XXXX XXXX XXXX at U.S. Bank in XXXX, TN on XX/XX/2025. I verified the check with the issuing bank prior to deposit. The issed check date was XX/XX/2025. 

U.S. Bank placed a full hold on the deposit until XX/XX/2025, even though Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( v ) and 229.13 ( b ) ) generally requires next-day availability for the first {$5000.00} of a verified cashiers check.

This hold caused overdraft fees on my account. I have contacted both my branch and corporate customer service, but they are giving conflicting information and will not release any portion of the deposit.

I request CFPB assistance to : 1. Ensure the first {$5000.00} is made available immediately, 2. Reverse all overdraft fees caused by this hold, and 3. Obtain written confirmation of any exception hold code applied by U.S. Bank.

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 monetary relief
Consumer complaint received 2025-10-09 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: SC

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Im writing to formally express my concerns regarding my chime handling of disputes particularly in light of the recent CPPB lawsuit highlighting significant issues with the platform despite using chime numerous of times and reporting discrepancies my financial institution and chime failed to investigate my claims adequately they informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible the CPPB findings indicate that chime has not only readjusted to protect consumers but has also allowed allowances repeat offender to export the system leaving users vulnerable to scams this lack of accountability and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
I received email today ( XX/XX/year> ) that there is a new hard pull/Inquiry on my credit report. I confirmed this fraudulent activity. Below are details for who access my credit report : Source EXPERIAN Alert Date XX/XX/year> Inquiry Date XX/XX/year> Name XXXX  XXXX Phone ( XXXX ) XXXX Business Type XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Today, I called Experian, XXXX and XXXX and put freeze on my account so that there are no hard checks in future without my approval. Additionally, I wanted to get this 'hard pull ' removed from my account as I do not want my credit score to go down.

XXXX representative said that I have to report it on on cfbp and only then this 'hard pull ' will be removed from my account.

Please help me in looking into this and remove this 'hard pull on my credit report ' from my account.

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 2025-10-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
False / Misleading {$300.00} New Account Bonus Promotion by Chase My name is XXXX XXXX. 

I recently received a mailed promotional offer from Chase for a {$300.00} new checking account bonus ( Coupon Code : XXXX ), which led me to open a new account under the impression that I qualified. 
After opening it and attempting activation, I was told I am ineligible because I already hold or previously held a Chase account, making me disqualified. 

This advertisement was misleading because it did not clearly disclose this ineligibility, and the mailing allowed me to open an account before disqualification was enforced. 

I request a formal investigation and resolution, including either issuance of the advertised {$300.00} bonus or a reasonable alternative compensation. 

Details/ Supporting Info : XX/XX/year> I received the mailed offer XX/XX/year> I opened the new account Location / branch I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Communications Ive already made with Chase ( emails, calls, branch visits ) XXXX XXXX XXXX XXXX Coupon code used : XXXX Thank you for your assistance and for reviewing my complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with a platform. Despite using Chimes numerous times and reporting discrepancies my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

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 INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX. Last XXXX, I paid my property taxes to XXXX XXXX. 
XXXX. In XXXX of XXXX  I received a notice from the county claiming that I had not paid the taxes. 
XXXX. I provided the county with a copy ( front and back ) of the check to prove that the payment was made. 
XXXX. The county confirmed that the taxes were paid. 
XXXX. In the interim, my mortgage holder ( Mr. Cooper ) paid the taxes for me believing me to be in default. 
XXXX. Mr. Cooper has been unsuccessful in attempting to get a refund from the county. 
XXXX. They now seeking reimbursement from me in the form of impounds, knowing that I do not owe them that money. 
XXXX. I would like them to stop imposing impounds and return the funds that they have already received

Company response to consumer: Closed with explanation