vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am writing to dispute and request correction of inaccurate information appearing on my credit report. I previously paid my account midland accounts two of them in full through a settlement offer during the collection process. The account was settled and paid as agreed ; however, it continues to be reported as an outstanding debt and is still showing as a collection account.

This reporting is inaccurate and does not reflect the true status of the account. I respectfully request that this account be updated to show a XXXX balance and Paid Settled or be completely removed from my credit report, as per the terms of the settlement. 

Additionally, I have reviewed my credit report and found a few older accounts that have exceeded the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). These accounts should no longer be appearing on my credit report, and I am requesting their immediate removal as well. 

Please investigate these matters and provide confirmation once the inaccuracies have been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage Company , the holder of my loan and responsible for my escrow account, erroneously used a supplemental tax bill to conduct an escrow analysis, shorting my property tax withholding. 

The actual property tax amount is XXXX due in XXXX and again in XXXX for a total of XXXX. Freedom Mortgage instead used the supplementary as the actual is a total of XXXX to be paid by me directly to XXXX XXXX. This error resulted in an erroneous disbursement from my escrow account by Freedom Mortgage. These funds are no longer available, as I am a federal employee and have used them to survive essentially. 

I did my due diligence and called Freedom Mortgage multiple times regarding this, and only today, XX/XX/XXXX, did they finally request an escrow research with the first payment being due in XXXX. Freedom Mortgage was also sent the annual tax bill from XXXX XXXX on XX/XX/XXXX, and still did not conduct any research or analysis with the provided property tax documents. 

As a single father, XXXX veteran, and federal employee, I can not afford to financially flex to fix or accommodate the errors of Freedom Mortgage, especially right now

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 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Identity Theft and Failure to Block/Delete Fraudulent Capital One 360 Account ( XXXX ) I am writing to report that my personal information was used without authorization to open or attempt to open a Capital One 360 account in my name. This activity is fraudulent and directly connected to an identity theft case already documented under XXXX Police Department Report # XXXX. 

I have provided multiple official reports, disputes, and filings through the CFPB and directly to the credit bureaus regarding this identity theft. Despite these submissions, the fraudulent Capital One account continues to appear on my consumer reports, causing serious harm to my credit profile. 

Key Supporting Documentation Attached : Police Report # XXXX ( XXXX Police Department Downtown Precinct, Tel. ( XXXX ) XXXX ) FTC Identity Theft Report Government-issued photo ID ( Drivers License ) Social Security Card Proof of Address ( Utility Bill ) Requested Actions Under FCRA 605B and 611 :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 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: FL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone use my information to apply for a Capital One credit card and now I'm stuck with a {$400.00} balance which I have no acknowledgment of and it's showing up on my credit report after it's been closed I don't know if it's affecting me from applying for new line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Can you look into this discrepancy? It was posted late and may be mistaken.

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 2025-11-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint Against Synchrony Bank / CareCredit Dispute of Dental Charges for Unsatisfactory and Harmful Procedure I am filing a complaint against Synchrony Bank / CareCredit regarding a disputed dental charge of approximately {$8000.00} ( All the charges on this card ) for dental work that was not performed properly and caused physical harm. 

The procedure was supposed to fix my Brothers XXXX XXXX XXXX XXXX and repair the XXXX XXXX. Instead, the work completed by the dental provider caused severe ongoing pain and damage to His mouth. I informed the dentist that the treatment was making the pain worse, but no corrective action was taken. He now has holes in his mouth on multiple teeth, and the dental materials that were inserted are causing constant discomfort. He has been unable to eat since the procedure and am losing weight due to the pain.

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 2025-11-05 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: MI

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged Off XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$7700.00}

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 2025-11-05 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: CT

Complaint narrative:
I am disputing the following items on my credit report with Experian. These accounts are inaccurately reported and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ). If the information can not be verified or validated, I request that it be removed from my credit report. 

CHARGED OFF ACCOUNTS : 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 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 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 2025-11-05 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: MN

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. 
This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

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 2025-11-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report from XX/XX/year>, and noticed that several pieces of old personal information are still being reported, even though Ive already requested an update. My report still lists outdated addresses, a former employer, and an old name variation that no longer apply to me. 

I understand that past information can remain in a file for reference, but in my case, these details are no longer accurate and could easily cause confusion or link me to older accounts. I just want my report to reflect my current and correct personal information. 

My current information is : Full Legal Name XXXX XXXXXXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information that should be removed includes : Old Name Variation XXXX XXXX XXXXXXXX Previous Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Employers XXXX XXXXXXXX ( updated XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MN

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. 
This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MN

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. 
This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Payments made to this creditor made a singe payment for XXXX short and was reported late for XXXX  months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am disputing the following charged off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$4800.00} I respectfully request that these accounts be verified for accuracy. If they can not be verified, I request that they be removed from my credit report. 

Regarding inquiries : XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed inaccurate late payment information being reported under the XXXX XXXX  account ending in XXXX. Following the initial dispute, I received a response stating that the account was verified. However, no supporting documentation, billing records, or signed proof was ever provided to validate the accuracy of the alleged late payment. 

To ensure fairness, I took additional steps. On XX/XX/year>, I submitted a signed authorization letter directly to XXXX XXXX, granting permission to verify or validate the account details. As of today, no verifiable evidence or written validation has been provided. 

Despite the lack of documentation, the credit bureaus continue to report this account with negative payment history, which is inaccurate and damaging. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as unverifiable or unsubstantiated information must be deleted from the consumers credit file. 

I am now formally demanding a reinvestigation and immediate deletion of this inaccurate information from my credit report to ensure full compliance with FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am a consumer attempting to fix my credit and am submitting this statement regarding my disputed accounts. I am requesting that these items be reviewed for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by bureau. 

CHARGED OFF Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime falsely denied {$250.00} {$350.00} sign-up bonus after confirming enrollment multiple times. 

I opened a new Chime checking account after seeing a XXXX ad from XXXX promoting a Get up to {$350.00} with a new Chime Checking Account offer. The ad said the bonus was available only through that page and detailed the steps to earn the full {$350.00} ( {$100.00} after a {$200.00} deposit, another {$100.00} the next month, and a final {$150.00} after XXXX months ). 

After signing up through that link, I spoke with multiple Chime representatives who confirmed in writing and over the phone that I was successfully enrolled in the {$250.00} {$350.00} promotion. Screenshots attached show Chime agents stating things like : You were enrolled in the offer. 
To get the {$250.00} incentive, you need a deposit over {$500.00}. 
Yes, thats correct! ( confirming my enrollment and bonus eligibility ). 

I made a qualifying direct deposit of {$710.00} from XXXX XXXX XXXX on XX/XX/year>, and met every requirement. Agents also told me the bonus would be credited within XXXX business days. 

After confirming my eligibility multiple times, Chime later reversed their position and claimed I was not enrolled, even after apologizing for misinformation from their own representatives. 

I am providing screenshots of the XXXX ad and multiple agent confirmations showing they verified my enrollment and deposit qualification. This is misleading advertising and misrepresentation. I opened the account solely because of this offer and fulfilled the conditions exactly as described. More screenshots available upon request. 

I request the XXXX  help to have Chime honor the {$250.00} {$350.00} promotional bonus that their own employees repeatedly confirmed in writing and over the phone.

Company response to consumer: Closed with explanation