vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
Shellpoint has accessed two {$30.00} fees to my account with no explanation. When I called them ( 3 or 4 ) times in XXXX they finally explained that they were property inspections requested by the lender. I ask for written information when this occurred and I have not received an answer. 

Shellpoint also will not let me pay the fees thru their website. They will not accept additional principle payments because of the fee balance so they are holding that hostage.


I was charged two inspections in a relatively short period for a mortgage in good standing. I want an explanation in writing why, who, and when they occurred.

How do I know these fees are legitimate?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Point Digital Finance, Inc.
State: CA

Complaint narrative:
This all started in bout XX/XX/year>. Point tricked me into putting XXXX my wife at the time on the deed by adding the property we bought together with My house as sole owner. I have the Title timeline to show how and when Point did this. Yet another tactic of intimidation was ( If this paper is not signed the deal would have to start back to square one ) .Please see all attachments The attachments will be able to explain better than I can at this timeYou will see I had no Idea what was happening or even what the papers real purpose was. I was Trusting that her power of authority over me was genuine. This was all too overwhelming for me as a result of Points misrepresentation resulting in XXXX being added to the title at the XXXX houses. You will see I told Point that XXXX was never on the XXXX house only the XXXX XXXX property. I have plenty of proof to show that if XXXX or I knew they were putting XXXX on the title. The papers would have never been singed. At the time XXXX and I were going through a divorce. XXXX is moving to XXXX. Why would XXXX or anyone sign papers to get on a house that she has never been on and also is going to make her responsible for the loan? That resulted in my XXXX ruined. I have an attachment so my numbers can be checked. You will see how unfair, and XXXX sided the so-called equity sharing has been. At the time was recovering from a XXXX XXXX from XXXX. I was In the middle of the divorce, Point new XXXX was not on title with the XXXX house I believe Point used deception, Undue influence, and misrepresentation to trick me into getting XXXX on title. I have XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are big triggers for me. I see my XXXX XXXX XXXX every month and have for many years. I have also been XXXX for XXXX 10 years. I leave my property maybe one or two times a month ( XXXX XXXX XXXX 's attachment please ) usually for XXXX XXXX XXXX there was a point a few years before this happen, I was sent to a XXXXXXXX XXXX  for a month. Then went to my mother 's house for a year to recover. I have supporting evidence from Point that will prove what I am saying is precise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account with Chase was closed due to my credit and passport being stolen when I was visiting XXXX. I called and asked when would my remaining balance of {$520.00} would be sent and the gentleman who works for Chase claimed it would be sent it 10 business days and the account would no longer be active. I go to check it a few days later, because I thought it was odd I was still able to access the app and saw that despite claims that the account was closes Chase still accepted a payment of {$3200.00} from California State XXXX. When I called to ask why the payment was accepted and if it would be returned the worker was unable to give me a valid answer, when I told him that he was be recording in the case that I need to pursue legal action he then claimed that the money would be sent once the account was closed. I asked him when and he couldn't give me a date. I have no outstanding debts with Chase so they're holding my money for no reason which is fraud. They have no legal grounds to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I reviewed my TransUnion credit report on XX/XX/year>, and noticed that some information is incomplete and inaccurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are not supposed to, furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax and TransUnion continue to report an inaccurate and inconsistent XXXX XXXX XXXX account ( ending in XXXX ), even though Experian has already deleted this same account for verified inaccuracies. 
This account has been charged off since early XXXX, yet both bureaus continue to update it as if it were still active or receiving payments. The files also show different last payment dates, status update dates, and payment histories, which are contradictory and violate FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reasonable reinvestigation ). 
I have disputed this account multiple times and provided proof, including XXXX deletion confirmation and prior CFPB correspondence, yet both bureaus failed to correct or verify the data properly. These actions violate 1681i ( a ) ( 6 ) ( B ) ( iii ) by not providing a proper XXXX of XXXX and 1681i ( a ) ( XXXX ) for possible reinsertion without notice. 
Because Experian has already deleted this account, Equifax and TransUnion are required by law to ensure consistent accuracy and remove the same account from my reports. I request that the CFPB order immediate deletion and review both bureaus compliance with the FCRA. Please email and mail me with proof of deletion of this account within XXXX  days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I disputed transactions that were finalized in my favor from two different business ' yet they wont pursue the rest of the transactions, they say reason is " historical pattern of use '' Theres 8 transactions posted on the XXXX ( look like duplicates ) from one business. Below is a list of all disputed transactions. XXXX XXXX XXXX XXXXXX/XX/XXXX {$8.00} ( found in favor? not on lists ) XX/XX/XXXX {$12.00} ( found in favor? not on lists ) XX/XX/XXXX {$34.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$0.00} ( no product that cost in store ) XX/XX/XXXX {$5.00} ( found in favor? not on lists ) XX/XX/XXXX {$4.00} ( found in favor? not on lists ) XX/XX/XXXX {$3.00} ( found in favor? not on lists ) XX/XX/XXXX {$6.00} XXXXXXXX XXXX XXXXXXXX ( no known merchant ) XX/XX/XXXX {$6.00} XX/XX/XXXX {$29.00} XX/XX/XXXX {$6.00} ( same as XXXX XXXX XXXX {$6.00} ) XXXX XXXX XX/XX/XXXX {$4.00} ( found in favor? not on lists ) XX/XX/XXXX {$4.00} ( found in favor? not on lists ) XX/XX/XXXX {$3.00} ( found in favor? not on lists ) XXXX XXXX ( never once bought anything ) XX/XX/XXXX {$11.00} Found in my favor should total {$46.00}, the two letters with transactions ( s ) found in my favor only total {$32.00} and they should list all the disputed transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I Disputed a charge For XXXX  That I did not mean to make and they are losing my account due to suspicious activity, for beinga new customer when i have proof that i was double charged for the transaction. I need my account open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Re : Direct Dispute Incomplete and Inaccurate Reporting Dear TransUnion XXXX Department, This letter serves as formal notice of dispute under FCRA 607 ( b ), 611 ( 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), and Reg V. Your records contain incomplete and inaccurate information that is causing damage to my credit reputation. 
XXXX. XXXX XXXX XXXX XXXX BANK XXXX Acct # XXXX Conflicting statuses Closed at consumers request and Charge Off breach XXXX XXXX Fields XXXX and Account Type codes. 
Disputed : All late months XXXX. 
Demand : Provide original statements and payment ledger or delete tradeline. 
XXXX. XXXX XXXX Acct # XXXX Missing payment history and contradictory Months Reviewed data violate XXXX XXXX Fields XXXX and XXXX. 
Disputed : All months XXXX. 
Demand : Independent verification with primary documents or remove immediately. 
XXXX. XXXX XXXX XXXX ( XX/XX/2024, XX/XX/2024 ) XXXX  ( XX/XX/2024 ) XXXX XXXX ( XX/XX/2024 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase Bank 's allowed my debit account to be driven into a negative balance without any notice and then charging me penalties for the negative balance they failed to prevent. 

1. The Core Issue : My Chase debit account was devastated by a series of unauthorized ACH transfers. Crucially, Chase 's systems allowed these fraudulent transactions to overdraw my account, pushing it to a negative balance of over - {$2700.00} BEFORE I even filed my claim on XX/XX/year>. 

2. The Bank 's Systemic Failures : Failure to Prevent Fraudulent Overdrafts : A fundamental feature of a debit account is that it is supposed to spend available funds. Chase 's failure to block these unauthorized transactions from creating a massive negative balance is a severe breakdown of their responsibility to monitor for and prevent clear fraud. Where was their real-time fraud detection? Their system continued to charge me Overdraft Fees on an account that was already crippled by their own security failure, including fees on the very day I reported the fraud. 

3. My Demands : Immediately zero out the entire negative balance of - {$2700.00} that resulted from Chase 's failure to block unauthorized overdrafts. 
Refund ALL Overdraft Fees charged as a result of this fraud-induced negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DP OF EDUC - 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - 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