vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IA

Complaint narrative:
I opened two personal accounts with US Bank on XX/XX/year> - a personal checking and a personal credit card. They were originally created with the mailing address as my home address. I changed the mailing address for only these accounts on US Bank 's mobile application on XX/XX/year> from my home mailing address to a XXXX XXXX XXXX. However, an existing joint checking account statement was mailed to the XXXX XXXX XXXX. Immediately after discovering this, I went to a local bank branch on XX/XX/XXXX, to which a teller said that the address for the joint account was correctly captured as the home mailing address in their system. There was no explanation for the statement being mailed to the incorrect address. I asked to have the statement re-printed with the correct address. They stated that was not possible. I asked to speak with another banker at the branch. The banker still no idea what caused the statement to be mailed to the wrong address and would not re-print the statement. I asked if I could speak with someone else, and I was given their XXXX customer service number. I spoke with four different customer service reps since then. On XX/XX/XXXX I spoke with the first two. The second one agreed to re-print the statement with the correct address. However, two weeks passed and I did not receive a statement at the corrected address. I then called the XXXX number, spoke again to two customer service representatives. The first one I asked to speak to a supervisor, and was transferred to another customer service representative. The second one would not correct the issue and hung up on me. This was an error on the bank 's part and they have been unwilling to escalate this to their supervisors nor correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
We applied for a mortgage refinance with Rocket Mortgage. During the process, we were told we needed an appraisal, and we agreed to and paid {$500.00} for it. The appraisal was completed on XX/XX/year>. However, Rocket Mortgage was not upfront about the fact that multiple appraisals would be required. This was not clearly communicated to us at the beginning. 

Additionally, they were not clear about the type of home we were refinancing whether it was considered a single-family home or a manufactured home. This lack of clarity led to confusion and ultimately impacted the appraisal process and our ability to move forward. We was never asked if it was a manufactured home. In my eyes it is a single- family home as only one family lives there. it is not attached to another home. 

After learning about the additional appraisal requirements and the classification issues, we decided not to proceed with the refinance. We spoke with XXXX XXXX and requested a refund for the {$500.00} appraisal fee, but Rocket Mortgage refused, even though we believe the lack of transparency on their part directly led to our decision to cancel. 

We feel misled and believe this was an unfair and deceptive practice. We are seeking a refund of the {$500.00} we paid for the initial appraisal. We expected better from a company of this size and reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
I sent a wire to Skrill to load my account with {$100.00} following their directions, but they never credited my account. Their customer service has been giving me the runaround and asking me for more account details, even though they have very low business rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
Yes, I was XXXX for exactly one year from XX/XX/XXXX to XX/XX/XXXX the day I was released I could not get on my account with my bank chime and finally found out that somebody had accessed it and was unauthorized uses or transactions on my account for the amount of 72 transactions I submitted proper paperwork stating where I was from the time to time and these transactions were committed within that time I was XXXX. I possibly couldnt have done it Ive also filed a police report Out of those transactions. They have already approved just seven of them. Why just seven and not the rest I do not understand I keep submitting everything I even submitted all of the screenshots of the person that was talking to chime bank while I was XXXX and acting like they were me And reset my password got into my email reset my password got into my app and changed all kinds of stuff and it shows right on there who they transferred all the money too and chime still has not complied with me please I need some help regarding this. That money was deposited from my Social Security for four months and they still have not done anything about it and thats the money that I have that should be mine. I did not authorize any of these transactions And I show proof of where I was at the time of the transactions thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After retrieving my credit report, I have numerous inquiries on my credit profile that I did not authorize. This has been an ongoing going occurring issue with these credit bureaus, they are allowing fraud and identity theft actions go through and ruin peoples credit. I have addresses that do not belong to me. I want them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLAZA HOME MORTGAGE, INC.
State: MI

Complaint narrative:
I have a home mortgage for address XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX. This loan was bought by XXXX XXXX, and Plaza home mortgage Inc at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX is the motrgage servicer. 

Plaza home mortgage allows me to make payments every 2 weeks. However when they receive the money at 2 weeks, they do not apply it to the loan. They simply sit on that money. They report after they have received a total of 4 week payment, then they will apply the payment as a monthly payment to the loan. 

The idea of biweekly loan payment is, so the home owner saves on the interest by paying some of the principal every 2 weeks. Plaza home mortgage by sitting on 2 week payments, and not applying it to the loan, does double whammy for the home owner - 1 ) the home owner does not benefit from paying some principal every 2 weeks and 2 ) Plaza home mortgage simply sits on the home owner 's money making the home owner lose on the interest that could have gotten on this money. This practice by Plaza Home mortgage is illegal. 

On XX/XX/year> I talked with " XXXX '' and then her supervisor " XXXX '', who pretty much confirmed that they have received the payment but will not apply it to the loan till two of the 2 week payments have been received. Screen shot confirming that company has received the money & they have not applied it to the loan is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

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 explanation
Consumer complaint received 2025-10-14 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: NJ

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account online at bmo.com approximately XX/XX/year>. 
Logged in and set up an external account so that I can transfer an initial deposit. 

After funds were transferred into the new account, BMO blocked my access to the account, telling me that I need a cell phone number to access the account. This was not stated during the account opening process as evidence will show, and a lack of a cell phone number did not prevent me from accessing the account and transferring money into the account initially. They are baiting and switching by having an account opening process and then switching the process after funds are transferred in, by pretending that a cell phone number is needed which it clearly isn't needed since they enabled me to transfer in funds. 

BMO then requested I send a picture of my ID with a notarized document attesting to my identity, which I provided, and BMO was able to authenticate me, but then continued to block access to my account stating that I need a cell phone number. 
They also transferred XXXX of my calls to XXXX so that an XXXX woman who barely could speak XXXX could attempt to ask me security questions which she was unable to do successfully because she didn't know how to read and pronounce XXXX words because her XXXX  XXXX  uses a completely different alphabet. 

So, BMO continues to block my access and effectively steal my money by providing no way for me to access it since they failed to disclose the requirement to have a cell phone number AND cell phone signal which is not something that everyone has access it in a rural area. They have been failing to help for nearly 2 months, with each time I call in, they act like they have no memory that I already called in many times for help. They are total incompetent fraudsters and their banking license should be suspended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, I was involved in a XXXX XXXX accident that resulted in medical treatment and ongoing care. I am currently represented by an attorney and I am pursuing legal action related to that accident. I informed the hospital of my active legal case and was advised by my attorney not to make any payments on the related medical bills until the matter is resolved. 

Despite this, the hospital allowed the account to be reported to Receivable Management Services ( RMS ), resulting in a significant negative impact on my credit score. RMS has continued to contact me repeatedly regarding this debt, even though it is part of an active legal proceeding and should not be subject to collection activity at this time. 

I am formally requesting that all collection efforts by RMS immediately cease and that this debt be removed from my credit report pending the outcome of my legal case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OR

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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