vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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 Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX 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 ( XXXX ) 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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, my Chime account was hacked. An unauthorized individual accessed my account, transferred all the funds from my savings account into my debit account, and then sent an unauthorized transfer to another Chime account. 

I did not notice this activity immediately because the email alert Chime sent went to my spam folder. As a result, I was unable to report the issue right away. I became aware of the situation the following morning between XXXX XXXX, at which point I immediately called Chime Support to report the fraudulent transactions. 

During my call, I provided Chime with the email alert showing that someone logged into my account on XX/XX/year> at XXXX p.m. using an XXXX device from XXXX, Texas. I also submitted a receipt from XXXX XXXXXXXX showing that I was physically in XXXX, Texas between XXXXXXXX XXXX picking up a pizza, and I was home by approximately XXXX p.m. It would have been impossible for me to be in XXXX, XXXX XXXX hours awayat the time of the unauthorized login. 

Despite this evidence, my claim was denied twice. I am extremely confused and concerned, as the evidence clearly supports that the login and transfer were not done by me. When I called Chime to ask why my first claim was denied, the representative stated that the investigator reported no evidence of anyone else logging into the account. This is incorrect, as I submitted a screenshot of the email from Chime notifying me of a new login from XXXX, XXXX I have never been. 

After discussing the situation with the representative, I asked what steps I needed to take to reopen the dispute. I was told to resubmit the screenshot of the login alert and the receipt from my pizza purchase, which I did. I also requested a copy of the denial report by email, which I never received. Even after resubmitting all required evidence, my claim was denied for a second time. 

I have been a loyal Chime member for years, and I feel that my case has not been properly investigated. Another Chime member was able to hack my account, transfer my money to themselves, and face no consequences. This incident left me without my rent and grocery money during an already difficult timeespecially during the holiday seasonwhich is why I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Bank is intentionally postponing the time it takes for payments to post. This is an issue being reported by many other users. They are also not increasing credit, keeping it low and delaying payment posting so that it is difficult to spend enough to meet the bonus offer requirements. I had to use AI to figure out that the only way to get them to free up my available credit was to do a XXXX call with my bank. 

They have removed the document upload feature and removed the secure chat feature so that there is no easy way to prove your payments have posted. They claim that all of this is to prevent fraud, but other institutions are clearing in XXXX business days as normal. 

In my case, for instance, my {$150.00} payment on XX/XX/XXXX was not going to be cleared until XX/XX/XXXX, even though my bank posted the transaction on the dame day ( the XXXX ). 

Citi Bank is shady and they should have to show that they are systematically delaying credit availability and denying credit increases clearly on the credit card application so people realize that the XXXX  months stated to make the purchase requires for the bonus is actually more like XXXX months, if you are lucky enough to realize what they are doing in enough time.

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 2025-12-08 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I discovered a collection account from Eastern Account Systems on my credit report, but they never contacted me in any formno phone call, no letter, and no email. The company did not provide the required written notice or an opportunity to dispute the alleged debt. Because they failed to follow FDCPA requirements, I am requesting that the CFPB investigate this matter and that the furnisher delete this account from all credit bureaus unless they can show proof of proper notice and validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I noticed that my XXXX XXXX / Mr Cooper XXXX schedule was not available for my account. I loved at my loan documents with I my amortization report which shows Maturity date of XXXX but Nation Star / XXXX XXXX shows XXXX on my statements and Mr Cooper Website. I called mR Cooper on XXXX about issue with Amortization schedule issue asking for them to send me a copy. Never did get a copy so I called agin on XX/XX/year> asking for copy again they said that they would get me a copy. As of XX/XX/year> still nothing from Mr Cooper as they promised to send me one. On XX/XX/year> sent MR Cooper a certificated letter asking admin. Mr Cooper sent me a repose that by XX/XX/year> I would have an answer. As of XX/XX/year> still no answer or Amortization schedule. I sent the another XXXX letter and emailed them on MR Cooper website. Mr Cooper sent me a response on their email on XX/XX/year> to go to Bank XXXX XXXX to find my Amortization Schedule. I did and it shows that MR Cooper is wrong on their website and is off by 16 years and my Maturity date XXXX not XXXX as they are saying MR Cooper is off {$8300.00} dollar and was never provided any signed Documents after loan was done. XXXX XXXX / Mr Cooper failed to preform Fiduciary Duty on my loan. I want my loan corrected and all Interest, Balances, XXXX dates and all Monetary damages due to me because of the Failure of Nation Star / Mr Cooper Fiduciary Duty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bakkt Opco Holdings, LLC
State: KY

Complaint narrative:
Dear XXXX XXXX, or Bakkt Compliance Department, This letter serves as a formal complaint regarding Bakkt 's custodial services provided through myXX/XX/XXXX account XXXX. I have been an account holder for approximately two years.

Core Complaint : My primary complaint is the unauthorized and unannounced removal of my critical XX/XX/XXXXreceiving address, an action taken without formal, adequate, or proper notice, and for which Bakkt has refused to take responsibility. This is a direct infringement upon my rights as a customer and impedes my ability to access or transfer my digital assets. As you know, I need an address to receive crypto ( which is a core function of a XX/XX/XXXX This issue prevents me from migrating myXX/XX/XXXXto the XXXX platform as previously planned. 

Details of Infringements and Losses : Unauthorized Removal of XXXXXX/XX/XXXXAddress : My previously active XXXXXX/XX/XXXX receiving address was removed from my account without any prior warning or disclosure from Bakkt, XXXX XXXX, or their representatives. 

Failure to Provide Adequate Notice : No formal or adequate notice was provided for this critical change to my financial service, violating standard customer rights and transparency expectations. 

Customer Service Misinformation and Refusal of Accountability : Numerous attempts to resolve this via phone have failed. Representatives, often with XX/XX/XXXXXXXX accents, informed me that they are " not responsible for any disclosure '' and directed the issue back to Bakkt. During these calls, I was also incorrectly told that " They can't find an account, '' despite my long-standing, active account history and documentation. 

Prior Issues ( For Context Only ) : I have already filed a complaint with the SEC regarding the manipulative and deceptive practices concerning the handling of financially funded accounts for stock trading, which further highlights the systemic lack of transparency within the platforms Bakkt manages. I also note the mishandling of social features ( removal of the dislike button and silencing dissent ) as evidence of a pattern of disregarding customer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — FHA 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was already on a XXXX repayment plan with my previous mortgage company before my loan was transferred to PHH. I did not receive notice of the transfer until weeks later. PHH then took almost XXXX months to obtain the correct paperwork from the previous servicer. During that time, every PHH representative I spoke with gave completely different information, and I was repeatedly told they were still reviewing the repayment plan. 

Across XXXX different calls, PHH employees gave contradictory answers. Finally, XXXX PHH representative confirmed that my XXXX repayment plan was active, told me the first payment was $ XXXX, and explained the remaining payment amounts and the full timeline. Based on his confirmation, I made the $ XXXX payment over the phone. 

A few days later, a different PHH representative contradicted everything the previous agent told me. She claimed the $ XXXX was not the first installment, said I agreed to something completely different ( I did NOT ), and tried to hold me responsible for payment terms I was never told. PHH is misrepresenting what their own employee told me and is mishandling the repayment plan. 

PHHs delays caused me to miss a payment that I otherwise would have made if they had processed the transfer and repayment plan in a timely manner. Because this occurred within the federally protected XXXX servicing-transfer window, PHH is not permitted XXXX report me late or penalize me for delays caused by the transfer. Under XXXX U.S.C. XXXX ( d ), PHH may not report delinquencies caused by a servicer transfer or their own processing delays. 

PHHs servicing errors, delays, contradictory statements between employees, and mishandling of my repayment plan have caused confusion, financial harm, incorrect account information, and potentially inaccurate credit reporting. I am simply trying to follow the original repayment plan that PHH themselves previously confirmed. 

I request that PHH : XXXX. Honor the XXXX repayment plan exactly as confirmed by the PHH representative XXXX 
XXXX. Provide all call recordings and internal notes related to my repayment plan. 
XXXX. Correct my mortgage account to reflect the proper repayment plan terms. 
XXXX. Remove and correct any late credit reporting caused by PHHs delays or miscommunication, including anything that occurred within the protected XXXX servicing-transfer period. 
XXXX. Ensure I am not required to make additional or duplicate payments caused solely by PHHs delay in reviewing the transferred plan. 

PHHs internal mishandling and contradictory information are directly impacting my ability to manage my mortgage and stay current. I am requesting CFPB intervention so PHH corrects all errors and honors the repayment plan as originally approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the accuracy and completeness of the charge-off reported by XXXX XXXX XXXX XXXX  on my consumer report. The Delinquency Date is XX/XX/XXXX and The Open date is XX/XX/XXXX they have a totally different open date reporting XX/XX/XXXX. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Violation of FCRA 623 ( a ) ( 5 ) Incorrect or Missing Date of First Delinquency ( DOFD ) Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers must report the accurate DOFD within 90 days of charging off the account.

The DOFD reported on this account is inaccurate, inconsistent, or missing. 



I request : Verification of the exact DOFD, Documentation showing when it was reported, Deletion if the DOFD can not be verified with original records.

2. Improper Charge-Off Reporting After Debt Transfer or 1099-C If this debt was sold, settled, transferred, or a 1099-C was issued, the balance must be corrected and negative reporting must cease.

Please provide : Proof this debt was legally collectible after transfer, Proof no 1099-C ( Cancellation of Debt ) was issued, Proof the charge-off is being reported according to FCRA guidelines.

If you can not furnish this documentation, the reporting must be deleted.

3. Request for Reinvestigation under FCRA 611 I request a full reinvestigation of this account, including : Verification of all dates, Verification of current ownership, Verification of all balance information, Verification of charge-off status.

If you can not fully verify the account with original records, not printouts or screenshots, you must delete it as required by the FCRA.

4. Statement of Consumer Rights The FCRA gives me the right to : Dispute inaccurate or unverified information, Receive the results of your investigation within 30 days, Have unverified or inaccurate items removed immediately.

Please provide in your written response : DOFD you have on file Documentation from the original creditor verifying DOFD Status of ownership ( sold, transferred, assigned, written off ) Ledger records showing how charge-off was calculated Confirmation whether a 1099-C was ever filed Updated results of the reinvestigation If you can not verify all elements, this account must be deleted from my consumer file under FCRA 623 ( a ) ( 5 ) and FCRA 611.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 requesting a full investigation into the inaccurate, incomplete, or outdated information listed below. I am filing disputes with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), any account or inquiry that can not be fully verified for accuracy must be corrected or deleted immediately. 
Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} I.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} Several accounts differ from XXXX and XXXX indicating reporting inconsistencies. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries require verification. 

Late Payments in Dispute 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 2025-12-08 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: NJ

Complaint narrative:
Experian, Equifax and Transunion consumer reporting agencies have illegally furnished account information on my 3 consumer reports, prior to providing proof of compliance as per FCRA law : 15 U.S. Code 1681e ( a ) - Compliance procedures

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 2025-12-08 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: MI

Complaint narrative:
My identity was stolen by a data breach and got this credit card in my name I requested under sec 605b, my info was exposed. 
Trans Union allowed a collection agency to put this back claiming properly verified, Requesting they get all verified info mailed to me Flow agreement Original Contract Bill of sale Transfer of assignment Ownership of debt with my signature included

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 2025-12-08 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:
My identity was stolen by a data breach and got this credit card in my name I requested under sec 605b, my info was exposed. 
Trans Union allowed a collection agency to put this back claiming properly verified, Requesting they get all verified info mailed to me Flow agreement Original Contract Bill of sale Transfer of assignment Ownership of debt with my signature included

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
This accounts is inaccurately reported and requires immediate attention.

Company response to consumer: Closed with non-monetary relief