vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My sister used my deceased mothers once bank account to defraud the new rez mortgage company into transferring the home into her name only to where she is the successor of the property and there were XXXX other heirs of the property. 
She altered once bank statements to fit the narrative and submitted them to court as an affidavit as true. With this being done its commits fraud upon the court as well as the hires of the property. The banking institution is aware of the it the mortgage company is aware of it but no one is doing anything about it everything I am submitting is true in my behalf all documents that are submitted are fraud and altered. I have reached out to new rez mortgage company I sent them certified letters I have also reached out to XXXX XXXX  as well regarding fraudulent and altered bank statements I get no responses or answers.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/year>, Chase notified me that they had signed my up with a third-party, XXXX, XXXX use when I make purchases. XXXX is a separate corporate entity, that is owned by XXXX  XXXX XXXX XXXX XXXX, the same entity that owns XXXX. And I understand that XXXX XXXX XXXX is owned by quite a few banks including Chase, but so what? XXXX XXXX XXXX is a corporation and is distinct third-party. 

I was told that if I didn't want to use XXXX, I could opt out. This I did. But the problem is that I shouldn't have to opt out of something that I never opted into in the first place, and even worse, is that Chase provided at least some of my personal data to XXXX including at least my phone number, email address and my Chase credit card number. There probably was additional financial information provided as well. 

What Chase did was wrong : XXXX. It appears to have violated Chase 's own " privacy policy. '' XXXX. Chase disregarded my privacy settings in which I said to not provide my information to third-parties. 

XXXX. Chase appears to have violated the Gramm-Leach-Bliley Act ( GLBA ) because it disclosed my information to Paze even after I specifically opted out of having my information disclosed to third parties ( XXXX ). 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccuracies and disputes in my credit report. Below are the accounts that I am disputing with the respective credit bureaus. I respectfully request that these issues be reviewed and corrected. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and preventing me from achieving financial stability and freedom. These inaccuracies continue to harm my credit score, and the ongoing impact has become overwhelming and unacceptable.

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 2025-11-26 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 submitting this formal objection to the listed accounts, as I have no association with them and did not authorize their creation. Please conduct a review and delete them. Documentation is provided.

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 2025-11-26 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: TX

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
Vanderbilt keeps reporting the incorrect amount for loan balance. I disputed and XXXX  states Vanderbilt says amount correct {$190.00}, XXXX XXXX XXXX  and on my Vanderbilt app and Vanderbilt customer care says {$190.00}, XXXX XXXX XXXX which is correct balance. When first applied for loan they ran my credit twice in one month. My first payment was due XX/XX/25 and they reported balance went up XXXX and again since then. When I call Vanderbilt they tell me XXXX  is an unreliable source to get info from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MA

Complaint narrative:
Dear XXXX  : Credit Reporting Agencies : Cfpb : I am filing this complaint because XXXX XXXX XXXX  has reported a credit card account on my credit report listing me as an Authorized User without my knowledge, consent, or authorization. The account number ending in XXXX with a reported balance of {$6500.00} does not belong to me, and I have never applied for, requested, approved, nor consented to being added as an Authorized User on this account. 

I believe I am a victim of identity theft and this account was created, accessed, or altered using my personal information without my authorization. Despite multiple attempts to resolve this matter directly with XXXX XXXX XXXX I have been subjected to repeated delays and no proper resolution. The unauthorized account remains on my credit report and continues to damage my credit profile and expose me to ongoing identity-theft risk. 

Violations & Legal Basis The following federal laws and regulations are being violated : Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

FCRA XXXX ( A ) Requires accurate, fair reporting. 
FCRA XXXX ( q ) Identity theft protections apply when an account is opened or used without authorization. 
FCRA XXXX ( XXXX U.S.C. XXXX ) Requires a furnisher XXXX XXXX XXXXf XXXX XXXX and CRAs to block and remove all information resulting from identity theft within XXXX business days after receiving an identity-theft report. 
FCRA XXXX ( XXXX U.S.C. XXXX ) Requires a proper reinvestigation of disputed information. XXXX XXXX XXXX  did not conduct a lawful reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibits a furnisher from reporting information they know or should know is inaccurate. Reporting me as an authorized user without my consent is inherently inaccurate. 
FCRA XXXX ( a ) ( XXXX ) Furnishers must correct and update inaccurate information. 
FCRA XXXX Adverse information resulting from identity theft must not be used against the consumer. 

Fair and Accurate Credit Transactions Act ( FACTA ), Identity Theft Protections FACTA XXXX, Identity Theft Red Flags Rule Requires financial institutions to detect, prevent, and mitigate identity theft. XXXX XXXX XXXX failed to prevent unauthorized addition of an authorized user. 
FACTA XXXX Requires proper handling and blocking of identity-theft related information. 

Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX & XXXX XXXX XXXX XXXX  failure to investigate properly, its continued reporting of an unauthorized account, and its refusal to remove known inaccurate data constitute : Unfair practices Deceptive practices Abusive practices

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 2025-11-26 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.
State: TN

Complaint narrative:
( XXXX ) was transferred to XXXX XXXX, XXXX on XX/XX/2024 and that XXXX is no longer the servicer. While I understand the loan XXXX have been sold, my credit reports at TransUnion, Equifax, and Experian are still showing the account as if XXXX is servicing and reporting it. That is inaccurate and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), specifically the Maximum Possible Accuracy Requirement XXXX U.S.C. XXXX ( b ), the credit bureaus and any furnisher of information must ensure that all information they report is complete and accurate. If the debt has been transferred and XXXX is no longer the owner or servicer, then XXXX should not still be reporting an active balance, payment history, or status on my credit file. 
By continuing to report after the loan was sold, the information becomes inaccurate, incomplete, and violates my rights under the FCRA. A company can not claim they no longer service the account while still reporting to TransUnion, Equifax, and Experian as if they do. That is contradictory and creates a false and harmful record. 
I am requesting : XXXX. Immediate correction or deletion of the XXXX account from all three credit bureaus if XXXX is no longer the furnisher. 
XXXX. A full investigation as required by FCRA XXXX. 
XXXX. Written confirmation of the results of this investigation. 
If the account was sold, then only XXXX XXXX should be reporting it, and Upstarts continued reporting is a violation of federal law. Please correct this to comply with the Maximum Possible Accuracy standard under the FCRA.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I use chase. I have a checking account. I received five overdraft fees even though it was for the same event. I told them I would gladly pay the first fee but the subsequent four were applied in rapid succession. It is excessive and exploitative. They said they would not reverse any of the five overdraft fees even though I said I was willing to pay the first one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-26 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:
Dear Sir/Madam, I am submitting this statement as part of my efforts to resolve inaccuracies on my credit report. Below are the accounts that are currently in dispute, separated by the credit bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-26 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-11-26 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: NY

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate. Below are the details of the accounts in dispute for each bureau : TU - TransUnion Charged Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against all three credit bureaus for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have submitted XXXX disputesone on XX/XX/XXXX and another on XXXX XXXX I have not received a single piece of verification for ANY of the negative items I disputed. 
Instead of investigating, all XXXX  bureaus have sent me stall letters stating : That I am working with a XXXX  party ( which is false ) That I am claiming identity theft ( which is also false ) These statements are inaccurate, misleading, and appear to be an attempt to avoid conducting a lawful investigation. 
Under FCRA 611, the credit bureaus are required to perform a reasonable investigation and provide verification of each disputed item. Under Metro 2, all accounts must be accurate, complete, and fully verifiable. 
Despite this, all XXXX  bureaus have marked my accounts as verified without providing any verification at all. 
If an account is verified, the bureaus must be able to provide : The original contract Complete payment history Proof from the furnisher Documentation validating ownership of the debt The exact information used to confirm accuracy I requested verification for each disputed item and received NONE. 
Marking items as verified without verifying them is a direct violation of FCRA, Metro 2, and CFPB guidelines. Sending stall letters instead of conducting the legally required investigation is also a violation. 
I am requesting the CFPB to require that : All XXXX  bureaus complete a lawful investigation ; Provide actual verification for each negative item ; Remove any item they can not legally verify ; Cease sending stall letters falsely claiming third-party involvement ; Correct all violations under FCRA 607 ( b ), 611, and Metro 2 compliance standards. 
I am the XXXX filing these disputes. I am not working with a XXXX  party. I have not claimed identity theft. I am simply requesting that the credit bureaus follow federal law and provide proof for the items they have labeled as verified without justification. 
I need this matter fully investigated and corrected immediately.

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