vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX / XXXXXXXX XXXX  XXXX - XX/XX/XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a bank account opened at Bank of America and on XX/XX/XXXX I made a deposit through the Bank of America app. Deposit a check for the amount of XXXX XXXX dollars and after seeing that check deposited The bank put the check on hold 2 times and then my account was closed a few days later. It was a check from my work and still until now XX/XX/XXXX I have not received my check with the amount of the account closure for the same amount. I called the bank many times asking why I received the last account statements but that check still not. As I mentioned, it's been 1 month and a few weeks and I still haven't received my money back and by law they have to give me my money back. And I demand my money back 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
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-29 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: GA

Complaint narrative:
This is not my account, I have attached my ID, POA and my SSN

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 2025-09-29 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: MO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-29 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:
Whom It May Concern, XXXX XX/XX/year> I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and are the result of identity theft. 
The following inquiries are fraudulent and must be deleted immediately under the Fair Credit Reporting Act ( FCRA 605B & 611 ) :

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 2025-09-29 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 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: OH

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of these accounts in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the accounts, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnishers or the agency demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to these unauthorized accounts. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

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 2025-09-29 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: MD

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing significant and ongoing financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
On XX/XX/year>, I filed CFPB case # XXXX against Equifax for inaccurate account information on my credit report. On XX/XX/year>, Equifax closed the case with an explanation and asked me to list specific account names and numbers instead of resolving the inaccuracies. This response is inadequate and does not comply with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 / 15 U.S.C. 1681i, Equifax must conduct a reasonable reinvestigation of each disputed account, review all relevant information I provide, and delete or correct any account information that is inaccurate, incomplete, misleading, or can not be verified ( 1681i ( a ) ( 5 ) ( A ) ). Equifax can not simply defer to furnishers without proof or verification. 

I am resubmitting my complaint with Appendix A ( an annotated copy of my current Equifax/XXXX  report ) that identifies each disputed tradeline and the specific basis for the dispute ( e.g., incorrect balance, wrong payment status, inaccurate Date of First Delinquency, duplicate reporting, re-aged accounts, unverifiable ownership ). 

Equifaxs prior response was insufficient. I request CFPB assistance to ensure Equifax performs a full reinvestigation and corrects or deletes all inaccurate or unverifiable account information in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Zillow Group Inc.
State: TX

Complaint narrative:
Summary of the Complaint I am filing a formal complaint against Zillow Home Loans regarding its mishandling of a rate match during my mortgage process, which resulted in financial harm, entrapment through poor communication, and a clear failure of service. Despite repeated efforts on my part to comply with requirements and resolve the issue directly, Zillow Home Loans failed to act in good faith and left us locked into a less favorable mortgage rate with no realistic opportunity for recourse. 

XXXX of Events XX/XX/year> XXXX originated with Zillow Home Loans. 
XX/XX/year> Submitted a competing mortgage rate offer from XXXX XXXX ( 5.95 % ) under XXXX rate match policy. 
XX/XX/year> Told we would receive a decision; received no definitive response. 
July 1623, 2025 Followed up multiple times; received vague replies that it was being worked on with no resolution. 
XX/XX/year> Told by loan XXXX XXXX XXXX to provide updated quote with loan amount, down payment, XXXX, and closing costs. 
XX/XX/year> Provided the updated quote with all requested details and asked if anything else was needed. 
XX/XX/year> Received only a vague response describing the format as 'bizarre ' with no guidance but that it was being reviewed and nothing further was needed. 
XX/XX/year> Followed up again ; only then informed XXXX was on XXXX ( XX/XX/year> ) ; no alternate contact provided. 
XX/XX/year> Filed complaint, which was misrouted and only reached Zillow Home Loans on XX/XX/XXXX. 
XX/XX/year> Forced to close on our home at the 6.125 % rate due to lack of timely response. 

Zillows Responses and Failure to Resolve Following a delayed internal review, XXXX responded on XX/XX/year>, denying any wrongdoing. They acknowledged internal communication delays and employee absence but refused to offer a lender-paid refinance, monetary compensation, or accept responsibility. 

XXXX XXXX XXXX to XXXX failure to uphold its advertised rate matching policy when we submitted an offer that included all information that was requested of us from a competing lender, we were forced to close at 6.125 % instead of 5.95 %. This resulted in : {$98.00} in additional monthly payments. 
Over {$35000.00} in excess interest over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Date : XX/XX/year> To : Citibank Dispute Department XXXX. XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Dispute of Duplicate Insurance Claim Charge To Whom It May Concern, I am writing to formally dispute a charge of {$3200.00} posted on XX/XX/year>, to my Citibank Visa account. The charge was made by XXXX for an insurance-related claim that was already partially paid by my insurance provider, XXXX, in the amount of {$2000.00}. XXXX issued their payment on XX/XX/year>, and XXXX cashed it on XX/XX/year>. 
Despite receiving payment from XXXX, XXXX charged my credit card for the full amount of the claim, resulting in a duplicate payment. XXXX has acknowledged this error in writing but has refused to issue a refund. Instead, they have proposed a payment plan and are actively pressuring me to sign a dispute waiver, which would relinquish my right to pursue reimbursement through proper channels. I consider this coercive and inappropriate, especially given their admission of fault. 
Furthermore, my insurer XXXX has also contacted XXXX directly to resolve the matter and has similarly been given the runaround. Their efforts to clarify and correct the duplicate payment have been met with evasive responses and no meaningful resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Madam/Sir This complaint goes hand in hand with prior complaint # XXXX... 
JPMorgen Chase has been involved in a process of canceling accounts and refusing the opening of accounts ( bank & credit card ) for members of the orthodox XXXX XXXX  in XXXX. I know it for a fact because this is a closely connected community and we are aware of hundreds of people from within the community who endured this discriminatory experience by Chase. 
When challenged, they come up with all sorts of phony excuses such as the one in the attached letter from Chase ( denial of a credit card ). The stated reasons are all false and I never had a problem obtaining credit from any financial institution and in fact... just this week I received a call from Chase that my wife 's recently approved credit card is being closed because Chase discovered that she's affiliated with me.... 
I rely on your organization to get to the bottom of this matter and stop Chase from discrimination against people due to their background. 

Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
Collection agency name : AMERICOLLECT Amounts : {$950.00} and {$650.00} Actions : Requested debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MO

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-29 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: MA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: SD

Complaint narrative:
I am writing to formally demand a refund in the amount of {$750.00} for goods I purchased that were not as described as ordered. Despite filing XXXX separate disputes regarding this transaction, each one has been wrongfully denied, even after I provided every piece of documentation requested by your team, including proof from a government website that a Chime supervisor instructed me to use. 
The transaction in question involved XXXX XXXX ( XXXX XXXX ), from whom I purchased hair extensions from. This products were not as described, and XXXX XXXX has refused to resolve the matter, issue a refund, or disclose the source of the goods. I attempted in good faith to rectify the situation directly with her, and she admitted fault, yet still refused to make things right. Since then, she has blocked me on every social media platform, despite my not attempting to contact her further after her refusal. 
In addition to the lack of resolution, I have faced significant difficulties even reaching Chimes support team. On multiple occasions, it took me over XXXX hours and several chat attempts just to get connected with someone who could even address my concerns to get connected with the legal team which led me nowhere. This has only added to the unreasonable burden and frustration caused by Chimes handling of this matter. 
I have been working with Chime since XX/XX/year> to resolve this matter. Supervisors repeatedly assured me that my dispute would be honored, yet each time the claim has been denied without supporting documentation. Both I and a supervisor requested written documentation explaining the denial, but to date, I have not received anything. This lack of transparency and resolution is unacceptable. 
I have spent countless hours on the phone with Chimes customer support, receiving empty assurances but no results. Your company has had ample time to make this right, yet has failed to do so. As a result, I am left with no choice but to escalate. 
Demand : I hereby demand that Chime issue me a refund of {$750.00} within XXXX business days of receiving this letter. If I do not receive payment within that timeframe, I will pursue all available legal remedies, including filing a claim in small claims court. 
This situation should never have required legal escalation. However, given Chimes repeated failure to act in good faith, I am prepared to take all necessary legal steps to recover what is Rightfully owed

Company response to consumer: Closed with explanation