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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XX/XX/XXXX US CXX/XX/XXXXe 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 (XX/XX/XXXX), 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Movement Mortgage LLC
State: AK

Complaint narrative:
On XX/XX/XXXX we purchased a home through Movement Mortgage, {$770000.00}, XXXX XXXX XXXX Loan Officer NMLS XXXX, with the express understanding that we would be able to recast the VA mortgage utilizing the proceeds from the sale of our condo, {$150000.00}, thereby lowering the mortgage payment. The main reason we decided to make the home purchase was because XXXX told us that we would be able to recast the mortgage once our condo sale was completed, lowering the mortgage payment from {$5100.00} to a more affordable amount. 
On XX/XX/XXXX we contacted XXXX XXXX, Movement Mortgage, and notified her that the condo was sold and we were ready to recast the mortgage. On XX/XX/XXXX Movement Mortgage informed us that, due to this being a VA loan, we would not be able to Recast. On XX/XX/XXXX, XXXX XXXX, admitted by email that she did not know that a VA loan could not be recast. 
On XX/XX/XXXX, I had a phone conversation ( audio recorded ) with Cathy Johnson, Movement Mortgage, in which she explained that we would have to wait 6 months ( while we paid the full mortgage of {$5100.00} ) and hope for lower interest rates after 6 months to re-finance the mortgage in order to get the lower mortgage payment or we could apply the proceeds to the mortgage to essentially create a 20yr loan but at the higher mortgage payment. I asked who would be paying for the refinancing and XXXX said Movement Mortgage would be covering most of the fees to her understanding. 
On XX/XX/XXXX, we met with XXXX XXXX XXXX XXXX to start the refinancing process ( rates had dropped to below our current rate of 5.625 to 5.5 allowing for a VA Interest Rate Reduction Refinance Loan ), due to their familiarity with VA loan intricacies and the issues that we had with Movement Mortgage. We emailed XXXX XXXX to notify her and Movement Mortgage. XXXX responded that Movement Mortgage won't pay funds to another lender or to us. 
As of today, XX/XX/XXXX, the mortgage rates have now gone back up above 5.625, stopping us from getting a VA IRRRL. 

We paid Movement Mortgage and XXXX XXXX for their expertise and they didnt perform due diligence about re-casting our load before we signed for our home purchase on XX/XX/XXXX. This has caused us financial harm and continues to cause us financial harm as they are not trying to correct this situation that they have caused and accepted responsibility for.

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 status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TX

Complaint narrative:
I am filing this complaint as a consumer attempting to repair and correct inaccurate and incomplete information being reported by the credit bureaus. The following sections detail the disputed information currently appearing on my credit reports. I have contacted the bureaus directly, but the issues remain unresolved. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that my credit reports are accurate and compliant with the Fair Credit Reporting Act ( FCRA ) Charged-Off Accounts XXXX XXXX, Account No. XXXXXXXX XXXX XXXX Date XX/XX/XXXX, XXXX {$10000.00} * * This appears to be an inaccurate or unverifiable account. I do not recognize this debt, and the date listed ( XXXX ) appears erroneous or impossible based on actual credit activity. 

XXXX XXXXXXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX, Date XX/XX/XXXX, XXXX {$1100.00} * * I do not have any record or validation for this account. Please provide complete verification or remove it from my file. 

XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX  Date XX/XX/XXXX, XXXX {$0.00} * * This account should not reflect a charged-off status since the balance is XXXX. Please verify and correct or delete this reporting. 

Inquiries XXXX XXXX, Inquiry Date XX/XX/XXXX I do not recall authorizing this inquiry. Please provide proof of permissible purpose under the FCRA or remove it from my credit report.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion failed to remove a fraudulent collections from XXXX XXXX for {$290.00}. 
The original creditor is XXXX XXXX and I have never had an account with XXXX. I have now filed 2 disputes with Transunion and they failed to remove the account. I filed the same dispute with XXXX  and XXXX  correctly removed the account and deemed inaccurate. I provided those results to Transunion.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint due to the ongoing reporting of outdated and inaccurate personal information on my credit report. Despite submitting valid documentation such as government-issued ID, SSN card, and utility bills I continue to see incorrect outdated or inaccurate information. This is in direct violation of 15 U.S.C. 1681e ( b ), which mandates that credit bureaus must ensure the maximum possible accuracy of the information they report. My middle name has also not been updated in my records PLEASE UPDATE MY MIDDLE NAME. My accurate name is XXXX XXXX XXXX, and I have attached my valid ID for reference. I first submitted a dispute in XX/XX/year>, alongside an FTC Identity Theft Report, to correct the inaccurate information. However, my most recent credit report still reflects the outdated details, and the errors remain unresolved. It is important to note that the FTCs website was shut down during this period, which hindered my ability to file additional reports or complete the necessary steps to resolve this issue. I am requesting that the CFPB intervene to ensure that my personal information is corrected or deleted in accordance with the law. I seek immediate action to remove these inaccuracies from my credit file and request written confirmation once the issue is resolved.

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 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:
These accounts are falsely reported and should be deleted within 15 days per USC 1681g.

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 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau (CFPBXXXX XXXX XXXX  DC XXXX\n\nSubject: Complaint  Unauthorized or Inaccurate Credit Report Entries\n\nTo whom it may concern,\n\nI am filing a formal complaint regarding multiple accounts and inquiries that appear on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries are unauthorized, inaccurate, or unverifiable, and they have been reported without my consent, which violates my rights under the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681).XXXXDisputed Accounts:XXXX XXXX XXXX  (TransUnion & Experian)  XXXX Account #: XXXX, Closed Charge-Off (appears twice)XXXX XXXX XXXX XXXX (TransUnion, Equifax & Experian)  Account #: XXXX, Payment Status: Current (appears with different account numbers)\n\nDEPT OF ED/XXXX (TransUnion, Equifax & Experian)  Account #: XXXX XXXX XXXX  Account #: XXXX Closed\n\nXXXX XXXX   Account #: XXXX XXXX  Charge-Off\n\nXXXX XXXX  (Experian)  Account #: XXXX Unsecured Loan, no amount reported\n\nDisputed Inquiries:\n\nXXXX XXXX XXXX XXXX XXXX (Equifax)\n\nXXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (Experian)\n\nXXXX XXXX (Experian)\n\nI have already contacted the credit bureaus directly to dispute these accounts and inquiries, but the issues remain unresolved. I request that the CFPB investigate these matters and ensure the bureaus and furnishers comply with FCRA requirements, including removing unverifiable or unauthorized information from my credit reports.\n\nEnclosed are copies of my identification, proof of address, and documentation related to the disputed accounts. I am seeking written confirmation of your investigation and resolution.\n\nSincerely,\nXXXX XXXX XXXX[Last 4 digits of SSN: XXX-XX-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 2025-11-05 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: WV

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts reported by Equifax. I respectfully request verification or removal if these accounts can not be fully verified. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A little over a year ago, I took a small cash advance from an app called XXXX. They have sense charge me almost every single month pulling from my savings account even after I had paid the small cash advance off a year ago. I noticed recently that Im being charged by this app. Ive been trying to cancel for over a year. You cant talk to anybody over the phone. Everything goes by text or email which Ive gotten no resolution. They have charged me {$270.00} in the past year and my bank denied my claim recently. I called my bank reopened my claim livid and my bank told me I had to go print off proof that Ive been trying to cancel in which I did and brought it into Wells Fargo just got an update that theyre only giving me {$81.00} back. This has caused me financial hardship and I am extremely irritated the app. XXXX is a scam and they will not let you cancel and theres no way to get a hold of anybody and they will not refund me my money.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: CBC Companies, Inc.
State: OH

Complaint narrative:
CFPB Complaint Removal of Inaccurate Addresses from Credit Reports Consumer : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Subject : Inaccurate / Obsolete Addresses Reported in Violation of FCRA 611 and XXXX 2 Compliance Requirements To the Consumer Financial Protection Bureau : I am filing this complaint because Experian, Equifax, and TransUnion are reporting obsolete and inaccurate addresses on my consumer file. These addresses are unrelated to my verified residence and should have been deleted during prior reinvestigations. 

The incorrect addresses appearing on my reports are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX These addresses are not my current residence and are not associated with any open or verifiable accounts that I currently maintain. Their continued appearance violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) and CFPB Regulation V 1022.42, which require the credit reporting agencies to maintain maximum possible accuracy and data integrity in the personal identification fields ( XXXX XXXX Section 2.1 ). 

My correct and verifiable address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX. 

I request that the CFPB require each CRA to : 1. Conduct a full reinvestigation of these identifiers, 2. Delete the obsolete or unverifiable addresses from my file, 3. Provide written confirmation and a copy of my updated credit report, and 4. Identify the data furnishers or sources used to verify these addresses, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 



Failure by the CRAs to correct or delete unverifiable identifiers constitutes a continued violation of the FCRA and CFPB Regulation V.

Please ensure these agencies comply with data-accuracy and XXXX XXXX XXXXeporting obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
I sent the certified mail receipt that you guys signed and youre not validating the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Would you validate this record? It looks late and questionable.

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 — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
-day breach of contract, systemic technical failures, bad-faith support, and a formal refusal to pay restitution based on established CFPB precedent. 
XXXX. The Initial Breach : On XX/XX/XXXX Chime wrongfully locked my account, denying me all access to my funds. 
XXXX. Systemic Bad-Faith Support : My attempts to resolve this were met with a series of fraudulent and failed protocols. Chime support forced me into time-wasting loops, including : A bad-faith demand to change my email. 
The discriminatory rejection of a secure XXXX provider. 
Multiple failed XXXX verification cycles. 
This pattern of failure directly mirrors the " systemic failures in handling customer complaints '' for which Chime was fined {$2.00} XXXX by the XXXX in XX/XX/XXXX. 
XXXX. The Ongoing Failure ( The " Fake '' Fix ) : As of today, XX/XX/XXXX, while my account is " restored, '' it remains functionally broken. The platform will not accept a password change, proving the underlying technical corruption is still active and my account remains insecure. 
XXXX. The Formal Demand and Refusal : My case is a textbook example of the illegal delays cited in the CFPB 's XX/XX/XXXX enforcement action ( Order XXXX ). 
I made a formal, good-faith demand for {$500.00} in restitution ( {$150.00} based on the CFPB 's minimum redress and {$350.00} for the DFPI-cited service failures and my direct damages ). 
On XX/XX/XXXX, at approximately XXXX XXXX  PST, I presented this demand. 
The Chime representative, who identified himself as " XXXX XXXX, ID XXXX, '' met this demand with deflection and delay. 
When pressed, he refused to process the payment. I have this as Chime 's formal refusal to make a consumer whole for a documented breach. 
XXXX. My Demanded Resolution : I demand the CFPB compel Chime to do two things : Pay the {$500.00} in restitution they have already refused.

Conduct a full technical audit of my account to actually fix the underlying instability, proven by the password failure. 
Chime is a repeat offender, and my case is proof that their systemic failures continue, in direct violation of the spirit of the CFPB 's XXXX order.

Company response to consumer: Closed with explanation