vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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 not associated with these accounts ; please delete them within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 want to file a complaint against Chime and XXXX for not helping me with my dispute, on XX/XX/year> I was charge {$500.00} to my debit card which was an unauthorized transaction. At the time it happen, I was busy at work and a text was sent out where it may appeared that I have accepted it but that was not my intentions.

Since then I have disputed this transaction a couple times and provided as much information as I can since I don't really have anything but screenshots from my smart phone. I also ask them to explain why my dispute isn't being approved and they won't give me that information, all I received is another email saying that my dispute didn't go through.

I'm really trying to resolve this issue with Chime because that account is used for my Car Insurance, XXXX XXXX Payments, and other Car Expenses and the payments are coming up.

Looking at the Transaction that was unauthorized you can tell it was from a Scammer or some kind of Fraud, another Transaction was attempted the following day but by then I have already froze my cards and now I have another debit card coming my way.

I'm trying to explain to Chime that wasn't me and all they do is keep denying my Dispute. I Understand that Debit Card is issued by XXXX which is backed up by FDIC. I also received 2 calls from XXXX on Friday XX/XX/year> but I wasn't able to answer them, I really thought that was my opportunity to explain the situation over the phone but I wasn't able to and when I called back I couldn't get any one on the line, I would just be transferred to Chime who hasn't helped out at all.

This whole situation has been frustrating, I was just was the funds back in my account so I can continue to pay my expenses. If I don't pay for my Insurance and my XXXX XXXX  I won't be able to drive and I need to drive to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Summary of Complaint SoFi Bank denied my dispute for a transaction where the merchant failed to deliver the goods/services I paid for. SoFi stated that no error occurred, which is incorrect under federal law. The merchant took my money and refused to provide the product, making this a failure-to-deliver error that is covered by the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ).

What Happened I authorized a debit card transaction for a product/service.

The merchant never delivered the item, refused to issue a refund, and has a documented pattern of scamming others. I provided SoFi with : A police report Written evidence showing the merchant refused to deliver Digital communication confirming scam behavior Proof that I attempted to resolve the issue Evidence that the merchant misrepresented the transaction Despite the clear evidence, SoFi denied my dispute, stating there was no error. Their denial contradicts federal regulations.

Under Regulation E, an authorized transaction CAN STILL BE an error when the merchant fails to provide the purchased goods or services. This situation matches the CFPBs own definition of an error.

Why This Is a Violation SoFi failed to : Properly classify the issue as a failure-to-deliver error Conduct a complete and reasonable investigation Provide provisional credit Provide detailed documentation explaining their decision Apply the protections guaranteed under EFTA and Regulation E Their letter simply states they do not find that an error occurred without any legal reasoning or explanation consistent with federal guidelines.

Desired Resolution I am requesting that the CFPB require SoFi Bank to : 1.Reopen and correct the dispute investigation 2.Apply Regulation E correctly 3.Issue full reimbursement for the unauthorized/failure-to-deliver transaction 4.Provide the documents used to determine their denial 5.Ensure SoFi corrects its dispute-handling practices going forward I authorized the original payment, but the merchant did not deliver, which makes this a covered error. I am seeking CFPB assistance to ensure SoFi follows federal law and resolves this dispute appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I was laid off from both my jobs in XXXX and was unemployed since XX/XX/XXXX, which resulted in our mortgage going into a forbearance plan. I made a significant amount of our monthly income before being laid off. There have been major shifts in my industry, which I hold a XXXX XXXX and fifteen years experience in. I was not able to get a job in my area of expertise and have just started working a retail job. 

However, during my forbearance plan with my mortgage company, XXXX XXXX XXXX, my case has been mishandled. I have called every time our forbearance was up to apply for extensions and kept in constant contact with XXXX to show in good faith we were trying everything to keep our house. We have been assigned three different case managers in this time, and never been able to speak to one of them. Every time we spoke to a representative, we were given different information such as our forbearance plan could last up to 18 months, and right at the 12 month mark, found out this was untrue and we had to begin paying immediately. 

As our forbearance would be up XX/XX/XXXX, I continued to make contact with XXXX during XXXX to request a loan modification. On XX/XX/XXXX at XXXXXXXX XXXX MST, I spoke to two agents who both just verified my information and then told me they could do nothing to help and would submit a call back. I never received that call back. I went out of my way again to call and speak to someone since I never received a callback. I spoke to an agent on XX/XX/XXXX who was extremely unhelpful and did not want to submit any paperwork for us to get started. I sent an email ( see attached screenshot ) with documents they needed on XX/XX/XXXX at XXXX MST, and requested another call back from a manager. Once again, never received that call back, and received paperwork we needed to fill out during XXXX, which we can not submit during a holiday. 

Today, yet again I have called XXXX  to speak to a manager. I had to call three times ( see screenshots ) just to speak to someone because their automated system was not working correctly. After my third attempt and finally getting through to an agent I was put on hold for about 20 minutes, just to be told one was not available and that they had submitted for another call back at XXXXXXXX XXXX MST today. So as of right now, still waiting on technically my third call back that I have not received. 

Before this hardship, I maintained a consistent payment history and took pride in staying current on my financial responsibilities. We are showing in good faith on our end that we want to get this loan modification taken care of so that we can begin making our mortgage payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

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 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 Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Examine the included documents ; the questions appeared with no prior warning and might lack permission.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: West Capital Lending, Inc.
State: TN

Complaint narrative:
Dear CFPB, XXXX XXXXi and West Capital Lending Compliance Office, I am filing a complaint against West Capital Lending and its loan officer, XXXX XXXX, NMLS # : XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, for misrepresentation, misleading assurances, and interference with an existing loan transaction, which resulted in financial loss and direct harm. 

Early in XXXX, another lender had already conditionally approved and processed my home equity loan, for which I had personally paid for the appraisal. During this process, XXXX XXXX contacted me persistently, promising he could offer me a much better deal, including a free appraisal, reimbursement of my already-paid appraisal, and lower rates appropriate for my credit profile ( approximately XXXX ). 

He also stated that he could beat my existing offer, secure {$30000.00} cash back, and lower my loan costs significantly. He further advised me not to proceed with my current lender and warned that if another company pulled my credit, it could interfere with his loan offer, causing me to pause progress on a valid loan approval I already had. 

Based on his repeated assurances, I relied on his promises in good faith, provided sensitive financial information, paused my existing loan process, and engaged in several communications regarding loan disclosures and application steps. During this time, he continued to reassure me that he could beat their offer by a fair amount and told me my appraisal would be free or reimbursed. 

However, despite his repeated claims, he failed to deliver any loan, did not provide a competitive offer, did not reimburse or provide a free appraisal, and ultimately left me without any home equity loan at all, despite being previously approved elsewhere. 

As a result of these actions, I experienced : Loss of my previously approved loan Financial loss for an appraisal I paid for based on assurances of reimbursement Disrupted financial planning and increased stress Numerous hard inquiries on my credit file Wasted time due to misleading assurances and interference These actions constitute misrepresentation, deceptive practices, and interference with a financial transaction, which I believe violate consumer protection standards. 

I have screenshots of the text messages, emails, and communications in which these promises were made, which I will provide to regulatory agencies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: WA

Complaint narrative:
on XXXX month of XXXX received a letter from key bank stating i have unclaimed funds {$2100.00} and to contact by XX/XX/XXXX so i contacted them XX/XX/XXXX at XXXX the lady i spoke to said they were sending a new card will take XXXX days when i remembered i was suppose to receive a new card wich i did not recieve i contacted them XX/XX/XXXX spoke with XXXX she escaladed the situation said i will get a call in XXXXhrs i never got the call so i called back XX/XX/XXXX spoke to XXXX in XXXX dept she stated i will get a call within XXXXhrs again then they will send a check.Never got any call so called back XX/XX/XXXX spoke with XXXX she stated account was closed by the bank that means i should get a check within XXXX days .Never received my check called back XX/XX/XXXX spoke with XXXX she said i can not get my check unless i speak to a supervisor none there will call within XXXXhrs never got the call again so called XX/XX/XXXX at XXXX spoke to XXXX lost and stolen dept she said check was processed on the XXXX it is now XX/XX/XXXX never received my money or check called and spoke to XXXX in the prepaid dept at XXXX she said sorry there is nothing you can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the 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 2025-12-01 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: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
My XXXX  account was breached, and the attacker then accessed my XXXX account, which is tied to XXXX  login. Because XXXX had my ID verified and an old card on file, the fraudulent transactions appeared authorized, even though I did not make or approve any of them. The attacker made multiple international charges and transfers that drained nearly 90 % of my bank account. I have already gone through the banks dispute process, but they incorrectly labeled the transactions as authorized. I have taken all necessary steps to secure my accounts after discovering the breach the merchant name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have deposited over {$34000.00} with my XXXX  XXXX XXXX bank account into Robinhood for investment purposes. Only a few days after the funds became available on my Robinhood account, the Robinhood team notified me that my account is restricted and under review without providing reasoning. A few days after that ( XX/XX/XXXX ), they told me my account will be closed and my funds will be returned to my bank account. They refused to provide a confirmation for me to pass on to my bank and my bank has not seen any sign of Robinhood initiating a refund. I can not even get in direct contact with an agent at Robinhood. XXXX XXXX XXXX can not see the transaction in their system, they have advised me to contact a lawyer for this matter. This is a large sum of money and I would like to have it back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my account based off of fraud from a third party activity I am a high profile individual and my name is all over the internet and media so because of this they closed my account because they detected fraud and didnt not want to resolve the issue and an employee made wrong information from the customer relations department on a report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
During the transition from XXXX XXXX  to US Bank, my name was wrongfully removed as a co account holder. The account name is XXXX. The other co owner, who served as the XXXX of the account, is deceased as of XX/XX/year>. Family members have been unable to locate any original documentation of this account. As co owner of this account I have written checks when it was managed by XXXX XXXX. I went to the XXXX XXXX California XXXX XXXX speaking with the XXXX starting in XX/XX/year> and made several subsequent visits with absolutely no resolution. This account is decades old and I was informed they had no records of the original account holders names due to the transition to US Bank from 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 2025-12-01 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: NM

Complaint narrative:
I am writing to dispute the following accounts and request a thorough investigation. The details of the disputed accounts are as follows : CHARGED OFF XXXX : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} LATE PAYMENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have multiple items on my credit reports that are inaccurate, incomplete, or unverified, including XXXX XXXX XXXX bankruptcies and accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite disputing these items directly with the credit bureaus, they failed to conduct a reasonable investigation, verify the information with original sources, or correct/delete inaccurate entries. The bureaus relied on XXXX data for verification instead of proper documentation, resulting in continued reporting of unverifiable and potentially misleading information. I am requesting CFPB assistance to ensure all disputed items are fully investigated, corrected, or removed in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have multiple items on my credit reports that are inaccurate, incomplete, or unverified, including XXXX XXXX XXXX bankruptcies and accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite disputing these items directly with the credit bureaus, they failed to conduct a reasonable investigation, verify the information with original sources, or correct/delete inaccurate entries. The bureaus relied on XXXX data for verification instead of proper documentation, resulting in continued reporting of unverifiable and potentially misleading information. I am requesting CFPB assistance to ensure all disputed items are fully investigated, corrected, or removed in compliance with the Fair Credit Reporting Act.

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