vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
I did not authorize the listed inquiries, and their presence on my report is concerning. I request they be reviewed and, if found to be fraudulent, removed promptly. Supporting evidence is enclosed.

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 2025-07-15 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: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I ordered a wig from a company on XX/XX/2025 from a company named Everything XXXX XXXX for {$600.00} The item I received was damaged and different from what I ordered. I immediately contacted the seller to request a refund but she advised me that the wig was not refundable. The seller requested me to return the wig for an exchange. I returned the wig back to the seller on XX/XX/2025. 

On XX/XX/2025, I received a package however there was shredded paper and the item was not included. I emailed the seller but she has not responded. She blocked me from contacting her on social media. 

I filed a claim with my bank but they denied it because the merchant has provided proof of delivery. 

Now I am left without the item ( wig ) and the seller took my money.

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 2025-07-15 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: TX

Complaint narrative:
These inquiries appear to have been conducted without my permission. Please review and address this potential issue promptly. See attached documents.

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 2025-07-15 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I am filing this complaint to report severe delays, miscommunication, and unacceptable operational behavior by Robinhood Financial LLC regarding a time-sensitive {$600000.00} wire transfer initiated on XX/XX/year>, through their mobile app. 

Despite following all protocols and verifying my identity, my wire transfer has been unjustifiably held in pending status for over XXXX hours as of XX/XX/XXXX at XXXX XXXX XXXX. I was initially informed that transfers initiated before XXXX XXXX XXXX would be processed the same business day. However, this clearly did not happen. 

The situation worsened when I was told that a support escalation had marked the wire as canceled, even though only a manual request was withdrawn, not the original app-based transfer. This mix-up has caused confusion within their internal systems and led to conflicting answers from multiple agents. I have clearly and repeatedly requested that the app-submitted transfer proceed, and yet there has been no clear resolution or execution. 

I request CFPB to investigate this incident and Robinhood 's wire transfer handling policies for potential unfair or deceptive practices, especially concerning delays in releasing customer funds after verified instructions. 

I am seeking : Immediate processing and release of my {$600000.00} wire transfer.

A written explanation of what caused the delay and internal confusion.

Confirmation that Robinhood will improve their verification and communication procedures for high-value transactions.

Company : Robinhood Financial LLC Transaction amount : {$600000.00} Transaction type : Wire transfer ( initiated XX/XX/year> via app ) Case ID ( if applicable ) : XXXX Resolution requested : Expedite transfer immediately, provide clear explanation, and improve systemic reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-15 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-07-15 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX I received a text form a phone number XXXX stating [ Chime ] We noticed suspicious activity. Funds are temporarily frozen. Please log in to verify your transactions. ( https : //chlme.accesshug.icu? tfq=hBRwph ). I opened the link log in my information and it was a scam they obtained my card information used it for unauthorized transactions of XXXX for XXXX. I filled a dispute with chime. They gave me temporary credit while they investigated but today I got email stating they denied it and I would have to pay it back. I filled a police report on XX/XX/XXXX still pending final report. I was scammed and my debit card information was stolen. They also changed my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm closed my dispute improperly and failed to rule in my favor despite clear and documented evidence. 

I made a purchase from a merchant ( XXXX XXXX ) through Affirm 's Shop Pay Installments platform for an item titled XXXX XXXX XXXX XXXX. Upon receiving the item, I attempted to return it per Affirms instructions, but discovered that the product had been drop-shipped from Amazon not from XXXX XXXX directly. As a result, I was unable to return it to the merchant because no return address or fulfillment path existed other than through XXXX itself. 

I provided Affirm with : - Screenshots showing the product was shipped by XXXX ( not the merchant ). 

- Chat evidence that the merchant told me to " send it back where you got it '' which was impossible. 

-Proof that the merchant insulted me and refused to cooperate. 

Despite this, Affirm closed the dispute in favor of the merchant, claiming I didnt return the item. Thats the problem : returning the item was made functionally impossible by the merchants drop-shipping and lack of fulfillment support. 

I even explained to Affirm that they are financing a transaction that constitutes a scam or merchant deception, and warned them I would file a formal complaint if they ignored the evidence which they did. I made repeated good-faith efforts to follow their procedures, appeal their decision, and communicate clearly. 

Affirm 's continued refusal to resolve this, despite overwhelming proof, shows negligence in dispute handling, disregard for consumer protection responsibilities, and failure to enforce basic accountability on the merchants they finance. 

All relevant correspondence and evidence have been retained and can be supplied upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have an open account with Citizens Banks and theh are refusing me access to use this account they cant tell me why or give me an idea of how long this has been under review I havent been able to access this account since XX/XX/XXXX but yet they was able to allow my work check to get deposited on XX/XX/XXXX but still not granting me access to use my account if they are going to close it I reall y want to know why! I also would like my money being expedited to me for the wait I have endured during this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This has been a potential issues and past problems when dealing with Wells Fargo Home Mortgage regarding mortgage modifications. Wells Fargo has admitted to errors in its automated software that has caused thousands of borrowers " like me to be improperly denied a loan modification, resulting in me losing my home to wrongful foreclosure. Now I am here today facing these challenges of wrongful foreclosure due to denial reasons for lack of communication, denied receiving certain documentation, fail to process in a timely fashionable time of loan modification. Whereas such delays can cause the borrowers to get further behind because of laid of communication from the under writer. On or before XXXX or before XXXX of 2024, while I was under a review for forbearance/ loan modification process, whereas Wells Fargo XXXX a foreclosure against my home XXXX XXXX. However, I never received a notice or in writing that I was approver or denied the loan modification. Under the XXXX XXXX XXXX " while a borrower is in review for a modification, the bank /mortgage companies should not move forward with foreclosures Under Federal Regulation ( The Dodd Frank Act Title XIV ). Related to foreclosures. " A lender can not start a foreclosure until the processing loan modification has been denied. Thereby as of today I have not received any response regarding the process of my modification application. I submitted required documents to Wells Fargo on XXXX XXXX for a review. I am still facing delays with deceptive mortgage practices from Wells Fargo. Thank you,

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mortgage was transferred from Guaranteed Rate to Shellpoint Mortgage ( payments start to Shellpoint XX/XX/year> ). My loan includes a 1-point buydown, which lowers my monthly payment to {$3400.00} for the first 12 months.

Shellpoints paper statements are correct and reflect this amount. However, their online system falsely shows my payment due as {$3700.00} a difference of {$310.00} per month. ( this equates to the 1 point buy down ). I have made 1 payment to Guranteed Rate mortgage of that amount and then it transferred to Shellpoint. 

I have called Shellpoint five times. Each time ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ), agents have acknowledged the error and submitted internal complaints on my behalf. Yet weeks have passed and they still have not corrected the online portal, which continues to show the wrong amount. On XX/XX/year> I made payment to Shellpoint for the correct amount of {$3400.00}, they see this on their end. However, the system they say shows I still owe them {$310.00} and may see fees against me for being late even though they agreed over the phone I was not.

I am worried Shellpoint may attempt to collect the incorrect amount or report late or insufficient payments to credit bureaus, despite my making on-time payments in full based on the contractual amount. I have tried reasonably and fairly to resolve their own clerical error. 

I am requesting that Shellpoint ( 1 ) immediately correct the online portal, ( 2 ) confirm in writing that my current payment is accurate per my closing documents, and ( 3 ) ensure no negative credit reporting occurs.

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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX 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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Have had a Chase Bank XXXX card since 2013. In the last 6 months also added a Chase auto loan at which time the credit went paperless after XXXX plus years of paper copy AND paying each month balance off in full. Went to check pay off for auto loan and noted a current balance of {$3000.00} plus on card. Called customer service and they noted have been paperless. Appealed to have interest waived and they denied. Have immediately paid balance XXXX XXXX.... requested card be cancelled given XXXX flex. Have XXXX XXXX credit and done with card. Appealing waiver of interest $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: UT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
I am a member of the XXXX vs. XXXX lawsuit and am owed full settlement relief that the FSA office is attempting to deny me. I want my full refund that I am entitled to under this lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 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 explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief