vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I deposited my paycheck into my checking account. The funds were withdrawn from the issuers account, but my checking account was later closed without any proper explanation or notice from the bank. Since then, the deposit has repeatedly been placed under investigation and has never been credited to me. 

On XX/XX/year>, I was told once again that my check had reentered the banks fraud/investigation department. This is not the first timeI was previously told on XX/XX/year>, that the check was underway and that I would be receiving it in the mail, which never happened. 

I have made at least 30 separate contacts with the bankboth by phone and in person with branch managers and bankersseeking resolution. Each time, I am given inconsistent and contradictory information. Despite my repeated requests for confirmation numbers, written documentation, and a clear timeline, the bank has failed to provide a resolution or access to my funds.

This ongoing delay has caused significant financial hardship. I am unable to access money that rightfully belongs to me, and the banks lack of transparency and repeated investigations demonstrate mismanagement of my account.

I am requesting : 1. Immediate release of my deposited paycheck funds.

2. A written explanation of why my deposit has been held under multiple investigations. 
3. Compensation for any fees or damages resulting from these delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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 suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am a XXXX resident having major problems with my applications for loss mitigation. Shellpoint does not appear to be acting in good faith.

I seem to be caught in a feedback loop in which I provide documents that Shellpoint simply loses. I then am repeatedly asked to provide those same documents again. I have been going through this for at least 9 months.

I submitted a loss mitigation application in XXXXXXXX XXXX XXXXXXXX that Shellpoint simply lost. 

I submitted a new application in XXXXXXXX XXXX XXXXXXXX and have been getting the run around. It has now been over 30 days since I submitted the documents that Shellpoint requested most recently.

In order to gain some insight into the situation, with the help of my attorney, I visited the Shellpoint website today. We explored the Loss Mitigation Status page, along with the Loss Mitigation Documents page. On the loss mitigation status portal of the Shellpoint website, it states that I need to provide additional documents, and refers me to the same documents that I already submitted over a month ago.

In addition, mortgage statements and other communications appear to be going to an address that is not associated with me or my property -- -at another address in XXXX , Pennsylvania that I am completely unfamiliar with. My attorney notified Shellpoint that this is an incorrect address, and the situation has not been remedied.

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 2025-09-04 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-09-04 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: CA

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
A company called XXXX XXXX submitted an invalid UCC Lien to PayPal and XXXX an affiliate of PayPal and XXXX. I informed PayPal and XXXX that the UCC Lien was properly disputed through the Nevada Secretary of State and that a UCC Lien is not a court order. They are not supposed to freeze or limit my account access without a proper Court Order and even after I submitted the UCC Form 5 disputing the invalid UCC Lien along with legal reasons why they are not authorized to freeze or limit my account ( s ) PayPal refused to properly reinstate my accounts and tried to make me work with the company ( XXXX XXXX ) that committed the fraud against me to tell PayPal to reinstate my accounts. XXXX simply didn't address the letter directly and XXXXXXXX XXXX legal department tried to say there was nothing for them to do. I even informed them that I am not going to negotiate with XXXX XXXX because I may be filing litigation against XXXX XXXX and any other company financially harming me through this invalid UCC Lien claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-04 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My card had fraud, I spoke with my credit card company they sent a replacement and updating my mailing address. They solved that issue, however they apparently sent out a letter requesting for documents on XX/XX/year> but I never received a letter. They closed my account 1 week later and I was never sent an email nor altered before hand. I tried to use my credit card the week of XX/XX/XXXX- XX/XX/year>. I called on XX/XX/XXXX and representative stated that my account has been closed and that they will not open it back up for me sense they have already closed it. I requested for more information along with stating my preferred way of contact is email and phone number first, they stated I did not have an email on file but did admit that I signed up for message alerts etc., however they did not alert me that way by choice apparently. The call dropped after the representative was trying to provide me with a form/paper I can send to them to not pay remainder of balance since there was no information sent out to me about closing of the account for over 2-3 months. I feel that this is unfair for a company to not use the preferred contact information by the account holder, and then to solve the account while making OVER the minimum payment each month, taking money out of my household. Then to close the account with yet no other information sent out to the account holder about the closure of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am filing this complaint because United Wholesale Mortgage has inaccurately reported a 30-day late payment for XX/XX/XXXX on my mortgage account. This reporting is false, misleading, and damaging to my credit. 
On XX/XX/XXXX, I purchased a cashiers check in the amount of {$4100.00} from XXXX XXXX XXXX, payable to United Wholesale Mortgage. I immediately sent this payment via USPS Overnight Express, tracking number [ insert number ], scheduled for delivery on XX/XX/XXXX. 
Despite my timely payment, USPS failed to deliver overnight and instead took 3 days. This delay was entirely the fault of USPS, not me. As a result, United Wholesale Mortgage reported my account as 30 days late across all three major credit bureaus ( XXXX XXXX XXXX ). 
This reporting is : Factually inaccurate The payment was initiated on time.

Misleading It implies consumer fault when the delay was caused by the postal carrier.

In violation of FCRA 15 U.S.C. 1681e ( b ) furnishers must report with maximum possible accuracy.

In violation of FCRA 1681s-2 ( a ) creditors can not furnish information they know ( or should know ) is inaccurate.

Courts have held in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX  ) that reporting technically correct but misleading late payments is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Active Cash Visa credit card on XX/XX/year>. The card was advertised with a {$200.00} cash rewards bonus after spending {$500.00} in purchases within the first 3 months. I met the spending requirement well before XX/XX/year>, but as of XX/XX/year>, the {$200.00} bonus has not been credited to my rewards account.

I contacted Wells Fargo, but the issue has not been resolved. According to the published terms, the bonus should have posted within 12 billing cycles after qualifying purchases. Wells Fargo has not honored the advertised promotion.

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 2025-09-04 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: MD

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 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime has took money for years off my card doing overdrafts for no reason I would like my funds and pain and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card number was stolen along with my email information. This was used to purchase XXXX worth of items from XXXX website. This was in XXXX ish and I've contacted bank of America to fix this. They continue to deny it claiming the items were set to ship to my address. However I have email, hard proof, that show the items were set to curb side pick up XXXX miles away from my actual address. I even faxed those documents to bank of America.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Dear JPMCB CARD : When I reviewed my credit report recently, I was surprised to see late payments reported on my account on XX/XX/XXXX, and XX/XX/XXXX as being XXXX  days late.... I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-04 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 Date XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$550.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$17000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX, as proof from the XXXX 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