vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX New Mortgage created for home in another state XXXX XXXX : Current house sells and equity is placed on New Mortgage XXXX XXXX : Recast is done to eliminate PMI and drop payments XXXX XXXX : Bank merges with another bank, mortgage is sold to another entity with new servicing company XXXX XXXX : New Servicing Company has original loan amount and payment of New Mortgage without equity or recast payments. 
XX/XX/scrub>XXXX XXXX : I provide New Servicing Company with evidence of equity payment, recast documents, proof of new lowered payment ( XXXX XXXX XXXX ), email trail from bank acknowledging receipt of notarized recast document, XXXX XXXX through XXXX XXXX : Some 14 phone calls and complaints filed to new Servicing Company. I am paying inflated amount + PMI.

XXXX XXXX  : New Servicing Company recognizes and amends New Mortgage amount to reflect equity but NOT recast payments. I am paying inflated amount + PMI. XXXX XXXX : New Servicing Company is asking me to provide proof of recasting beyond what I have given them.

I have no clear path to resolution and I am already out considerable monies with a very bleak outlook on ever getting restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Per our credit reports, Fifth Third has reported to all bureaus that " consumer was effected by a natural disaster '' and put three months of deferred payments on our account, we are on autopay and have never requested deferred payment... We sent copies of all reports and data from the bureaus and they have the audacity to come back with a letter stating there is no disaster reporting yet they " removed the code '' that had been put on our account which triggered the reporting. 

Please see attached documentaion from credit bureaus, how do you actually send a response stating no reporting had been done when we provided you with exactly what you did? 

There are numerous complaints for the same reason and they happen to have their own department that handles these inquiries, that speaks volumes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint against XXXX for continuing to report inaccurate or unverified information on my credit report and against the FDIC for failing to act on a prior complaint I submitted. 

XXXX is currently reporting account number XXXX XXXX XXXX XXXX XXXX as accurate and verified, yet they have provided no documentation or explanation to show how this verification was conducted. I have requested verification, but to date, I have received no response or supporting information from XXXX. 

As of my most recent printed credit report dated XX/XX/XXXX, this account is still listed as active and verified by XXXX, despite the lack of proof or response. This is negatively impacting my credit profile. 

I previously filed a complaint with the FDIC, but that process has led nowhere. The FDIC has not provided a resolution or meaningful update and has not held XXXX accountable for their failure to validate the information they are reporting. 

I am now turning to the CFPB to step in and investigate this matter.

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 2025-07-28 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: MO

Complaint narrative:
I'm filing this complaint because TRANSUNION is still reporting late payments on my XXXX Auto account ( XXXX ) without my permission. This violates the permissible purpose rule under 15 U.S.C. 1681b ( 2 ). You must have my written consent to report this, and I never gave it. I also have a right to privacy under 15 U.S.C. 1681a ( 4 ), which you're violating by allowing this to continue. 

I've already raised this issue in multiple complaints filed with the CFPB, FTC, FTC Fraud Division, XXXX, Attorney General, and the OCC. I also attached this dispute as part of my evidence in those filings. 

The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) says our banking system depends on fair and accurate reporting. But Ive reviewed my reports and found that XXXX, XXXX, and TransUnion are all reporting different data for the same account. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy and consistency across the board. 

Also, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), only experiences directly between me and the creditor can be reported. And under 15 U.S.C. 1666b, no payment can legally be reported as late unless its late after the due date and after a fair grace period. If my payment was made on time or within the billing cycle, it should not be reported as late, not to me and not to credit bureaus.

This is now my third attempt to fix this. Im not asking for the account to be deleted, Im asking for the late payments to be corrected or removed entirely. If TRANSUNION refuses to do so, this will fall under willful and negligent noncompliance as defined in 15 U.S.C. 1681n and 1681o, and I will move forward with legal action. Ive already spoken to legal counsel about this matter.

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 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I tried numerous of times for certain information. I received no proof this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: Experian Information Solutions Inc.
State: LA

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 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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Subject : Ongoing Billing and Lack of Response Regarding Safe Deposit Box I Never Used Company : JPMorgan Chase Bank What happened : I am filing a complaint regarding a safe deposit box ( Box # XXXX ) that Chase continues to bill me for, despite repeated attempts to close the account. 

The box was part of a bundled service when I held a Chase account over five years ago. I have never accessed or used the box, and I paid the balance in full and requested closure two years ago. Despite that, on XX/XX/XXXX, I received a letter from Chase stating I owe {$340.00} and that I am XXXX days past duewhich is factually inaccurate. 

The letter references rental dates of XX/XX/XXXXXXXX  through XX/XX/XXXX, and lists the phone number XXXX, which belongs to the XXXX, Washington branch, located at : JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, WA XXXX I have contacted this branch three times and was told the issue would be resolved or that I would receive a callback. No one has followed up. 

I want to make it clear : I do not use this box. 

There is nothing stored in it. 

I simply want this billing and any related communications to stop. 

How the company responded : Chase has not resolved the issue or followed up after multiple outreach attempts.

What would resolve the issue : I would like : The safe deposit box to be officially closed Any outstanding charges removed Written confirmation that the account is closed and no further billing or contact will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: FL

Complaint narrative:
BACKGROUND : I had a checking account set up with First Commonwealth Bank ( FCB ) about XXXX  years ago for our High School Class to take in money and fund our class events. The account was called the " XXXX XXXX of XXXX Reunion '' and it was for the graduates of XXXX XXXX XXXX in XXXX Pennsylvania who graduated in XXXX. The FCB would send me accounts by mail initially. At one point I tried to create an online account. On XX/XX/XXXX, in an email to me, they said there was a hardware issue in their system, and I never received any follow-up. Im not sure that the hardware issue was to my online attempt but it did prove they could communicate to me by email. 
THE ISSUE : During the first week of XXXX, I went to deposit checks into the account for our Class dinner on XX/XX/XXXX for our XXXX XXXX Reunion. The XXXX  XXXX ( at the FCB XXXX XXXX XXXX ) told me that the account was " inactive '' and that he would activate it ''. On Saturday, XX/XX/XXXX, I was told quite a different story by a teller at the FCB XXXX XXXX when I went to deposit checks. She said that the account was CLOSED and the funds had been sent back to the state of PA ( {$530.00} ) and that I would have to contact the PA Dept of Treasury, unclaimed property, to get that money back. I have spent over XXXX hours of my time to date dealing with opening a new checking account, dealing with FCB officials, and many hours with the PA Treasury department, trying to locate the account with the unclaimed money. This issue is ongoing and the state, in an email on XX/XX/XXXX, said it could take XXXX months to reclaim the {$530.00}. 
THE BANK REPLY : I received a call from the FCB, XXXX on XX/XX/XXXX. He listened to my story and said that they had notified me by mail that they were closing the checking account and the FCB was in compliance in doing so. When I said I had not received the letter, he said the letter was returned to FCB, meaning that the FCB knew I had not received the letter stating they were closing the account, yet FCB sent the money to the PA Treasury unclaimed property. If the FCB knew I did not receive the letter when it was returned to them, why did they not notify me by email? 
On XX/XX/XXXX, I got a call from the XXXX office saying he had an emergency that day and offering me {$100.00} for my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has reinserted several collection accounts that were previously removed from my credit report after I submitted a valid identity theft and XXXX-related dispute under FCRA 605C . These accounts were deleted, yet they have now reappeared under slightly altered names or furnishers without any written notice or certification in violation of both FCRA 605C and 1681i ( a ) ( 5 ) ( B ). 

Reinserted accounts include : XXXX XXXX XXXX {$1400.00} ( reappeared XX/XX/year> XXXX XXXX XXXX XXXX / XXXX Delinquencies reappeared on XX/XX/XXXX and XX/XX/year> XXXX XXXX XXXX {$130.00} ( reappeared XX/XX/year> ) XXXX XXXX XXXX Recent collection inquiry matching past dispute I never received written notice of these reinsertions within the required 5 business days, nor did I receive any documentation verifying the accounts. These entries were already addressed and removed as a result of XXXX  exploitation. Their reappearance is retraumatizing and unlawful.

I am requesting : 1. Immediate and permanent deletion of all reinserted accounts, 2. Full verification details, including dates, method of reinsertion, and contact of furnishers, 3. Written confirmation that these accounts will not be re-reported in any form.

I also submitted a formal complaint directly to TransUnions Executive Office.

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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 2025-07-28 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: TN

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX, I had a checking account with Wells Fargo. I had several different random checking accounts open under my name, which I had no record of ever wanting to have a checking account open. I ended up withdrawing all of my funds from my checking account from them and putting them into a XXXX  XXXX XXXX account. I understand there was a lawsuit filed under this and was looking into being apart of this settlement. Thank you.

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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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