vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-13 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : I am disputing the following inquiries on my Experian credit report. These inquiries are incorrect and should be removed : 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 Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : 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 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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
This complaint concerns an alleged XXXXXXXX XXXX  credit card account that I disputed immediately because XXXX has never provided proof that the account belongs to me. On or about XX/XX/year>, I sent XXXX a certified written dispute requesting full validation, including a signed agreement, proof of ownership, chain of title, and a complete account history. I also invoked the arbitration clause in the XXXX cardmember agreement if they claimed the account was mine. 

After receiving my dispute, XXXX continued furnishing negative information to the credit reporting agencies without validating the account, without marking it as disputed, and without conducting a reasonable investigation. 

On XX/XX/year>, Discovers law firm, Zwicker & Associates, sent a collection letter even though my written dispute and arbitration election were already on file. On XX/XX/year>, Zwicker confirmed in writing that they had received my dispute and arbitration election. Around XX/XX/year>, I re-disputed the account with XXXX. 

XXXX reinvestigation results show that XXXX verified the account as belonging to me and continued updating negative information in XXXX, XXXX, and XX/XX/year>, after receiving my dispute and arbitration election. XXXX also modified multiple reporting fieldsincluding high credit, closed date, date of delinquency, and date of last paymentafter the dispute, which materially worsened the derogatory reporting. 

On or about XX/XX/year>, XXXX sent only internal billing statements instead of a signed application, contract, or authenticated documentation. They have never provided proper validation. 

On XX/XX/year>, I sent another formal notice and set a final compliance deadline of XX/XX/year>. As part of my good-faith efforts to resolve this matter, I offered to settle the dispute for {$2500.00} and the permanent deletion of the tradeline. XXXX has not provided validation, corrected the reporting, honored arbitration, or ceased furnishing the disputed information. 

XXXX and Zwicker continued collection activity and continued verifying the account to the credit bureaus despite lacking any proof that the account is mine. Their actions have caused credit score damage and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, the XXXX Credit bureaus reported that I opened a new credit account/card with Chime FinancialXXXXXXXX XXXX XXXX back in XXXX and have owned it for the past XXXX months. I called the bank ( Chime ) and told them it wasn't me who opened the account. They told me there were some activities on the account, and they informed me that the state that these activities are going on is the state that I don't live in or visited in my lifetime. I have lived in Virginia since XXXX and before that I lived in Maryland. I told them all that and asked to remove my information from their system and block that card. But, they want me to send them my Identification card front and back and otherwise they want to remove my information from their system or block the account. I asked for a supervisor or manager to talk to, and they refused to transfer me to any supervisor or manager. The information they keep asking me made me more suspicious of them, and I was afraid to give out my information to them. It feels like they are the one who scammed me and did something with my information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Freedom Mortgage Company
State: VA

Complaint narrative:
This complaint concerns Freedom Mortgages failure to properly credit payments, respond to required RESPA Notices of Error, and provide proof of default notices prior to conducting a foreclosure sale on the above-referenced property. 



Detailed Description 1. Uncredited Payments The borrower, XXXX XXXX XXXX, made multiple mortgage payments that were later discovered to have been intercepted by a third-party scammer. 
Despite being provided evidence of the payments and a request for assistance, Freedom Mortgage has refused to credit or investigate these payments or provide a full accounting of the loan balance. 
2. Failure to Provide Proof of Default Notices Freedom Mortgage and XXXX XXXX XXXX have not produced proof of certified mailing or delivery for the required Notice of Default/Breach Letter under Paragraph 22 of the Deed of Trust. 
This notice is a contractual and legal requirement prior to acceleration or foreclosure under Virginia law. 
The borrower never received a valid default or acceleration notice prior to the foreclosure sale. 
3. Failure to Respond to RESPA Notices of Error Two RESPA Notices of Error were sent to Freedom Mortgage by certified mail in accordance with 12 C.F.R. 1024.35. 
Freedom Mortgage failed to acknowledge or respond within the required 30-day timeframe. 
This constitutes a violation of federal mortgage servicing laws. 
4. Improper Foreclosure Sale Notice The foreclosure sale notice sent by XXXX XXXX XXXX lacks proof of proper service or signature, raising further due process and procedural concerns. 
The borrower and POA have repeatedly requested validation, but no supporting documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint regarding a dental-financing loan facilitated by Cherry Technologies ( also known as Cherry Financing ) in XX/XX/year>. I believe Cherry failed to provide legally required disclosures, misrepresented the total cost of the loan, and engaged in predatory lending practices during a medically vulnerable situation. 

I sought emergency dental treatment due to severe pain, and the dentists office introduced Cherry as a financing option. I agreed to what I understood to be approximately an {$8000.00} loan. At no point was I clearly shown or provided the required Truth in Lending Act ( TILA ) disclosures, including the XXXX, total repayment amount, interest charges, or loan terms. Only later did I learn that the total repayment amount is close to $ XXXX of dollars more than what I believed I was agreeing to. This was never presented or explained prior to signing. 

Because I was in extreme physical distress during the appointment, I was not in a condition to fully evaluate or understand complex financial terms. The combination of medical duress, absence of full disclosure, and significant discrepancy between the financed amount and the total repayment indicates that the agreement was not entered into with informed consent. 

Cherrys practices in this situation appear deceptive, predatory, and potentially in violation of TILA. The loan terms were not transparent, the disclosures were incomplete or entirely missing, and the repayment structure is abusive and unaffordable. I believe Cherry may be engaged in systematic non-compliance, as many consumers have reported similar issues. 

I am requesting that the Consumer Financial Protection Bureau investigate this lender for misleading loan practices, failure to provide required disclosures, and inflating the cost of medical financing agreements. I also request that the CFPB require Cherry to provide documentation proving what disclosures, if any, were presented before the agreement was executed. My preferred resolution is cancellation of the loan. 

Thank you for your attention to this matter. I am requesting guidance and intervention, as well as confirmation that the CFPB has received and reviewed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

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 2025-11-13 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 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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to dispute the following account ( s ) listed on my Equifax credit report. I believe the following information is incorrect, and I request a thorough investigation into these items. 

Charged-Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-13 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed several accounts that do not belong to me and appear to be the result of fraudulent activity. These accounts are negatively affecting my creditworthiness and ability to obtain credit.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Company : Bank of America XXXX : Checking account Issue : Fraud / unauthorized charges/ bank reversed provisional credit improperly Claim Number : XXXX Date of Fraud : XX/XX/2025 Date of BoA Denial Letter : XX/XX/2025 In XX/XX/2025, my Bank of America checking account ( ending in XXXX ) experienced unauthorized charges totaling {$760.00}. I reported the fraud immediately. Bank of America opened Claim # XXXX and issued a provisional credit while they investigated. 

On XX/XX/2025, I received a letter stating the bank had determined the charges were authorized by me or someone with permission on my account. This is incorrect. I did not make these transactions, did not authorize anyone else to use my account, and no one has access to my cards or login. 

Bank of America then reversed the provisional credit on XX/XX/2025, which immediately drove my account overdraft by {$700.00}, causing hardship and putting me at risk of account closure. I never received any documentation from the bank explaining why they believe the transactions were authorized or what evidence they relied on. The denial letter did not include merchant data, receipts, IP addresses, device details, or card-present vs. online-use information. I have requested clarification and have not been provided with any supporting evidence. 

I have since learned that I can file a police report retroactively, which i have done. I am also asking Bank of America to reopen and escalate this claim for a second-level review. 

I am requesting the CFPBs assistance because : XXXX. The charges were truly unauthorized. 
XXXX. Bank of Americas investigation appears incomplete or insufficient. 
XXXX. The bank has placed me in financial hardship by reversing the provisional credit. 
XXXX. I was not provided with the evidence used to deny my claim. 
XXXX. I am seeking a proper reinvestigation and reinstatement of the provisional credit while the matter is reviewed.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My chime bank account was hacked and XXXX  of dollars was sent to other crime account and they use the debit card on my account to make purchases. Ive made it around four or five disputes all got denied. I keep trying and they even told me when I called the dispute team, they told me it was someone with XXXX XXXX in XXXX XXXX XXXX Im located in California And they are still denying even though its clear that my account was hacked. Email was changed. Password was changed, but they are still denying it and wont give me my money back.

Company response to consumer: Closed with explanation