vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I recently refinanced my mortgage for a property located in California. During the initial stages of the refinance, I contacted the original mortgage servicing company to inquire about the possibility of removing the escrow account. At that time, I was informed that escrow could potentially be removed after 60 days. 
However, since then, the servicing of my mortgage has been transferred to a new company Shellpoint Mortgage Servicing. Upon contacting Shellpoint to follow up on the escrow removal timeline, I was told that escrow can not be removed until 12 months have passed. 
This is a significant change from the original information I received, and I would like clarification on the following : Why has the timeline for escrow removal changed from 60 days to 12 months? 
Is this policy specific to Shellpoint, or is it based on broader regulatory or loan-specific requirements? 
Is there any documentation or written policy that outlines the conditions for escrow removal under Shellpoints servicing?

In addition, they have now added additional insurance on my account, when I already have 2 insurance policies. I have never agreed to this or had any communication regarding this. The new company is 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase closed my credit card account and debit card account. They made my account inaccessible. I tried making payment and similar issue where anti fraud measures prevented me from making payment go through. They accused me of misusing The account and closed my account and left me XXXX in over due balance. Couldnt get payment to go through. Other banks were involved wouldnt let payment go through by releasing funds despite already communicating with account holder. Cant make payments on credit card account or debit online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.
State: MO

Complaint narrative:
I am filing this complaint as a follow-up to my previous submission regarding Blockchain.coms refusal to release my funds. My account has been restricted for over 6 months, holding approximately {$21000.00} in XXXX. 
Since my prior complaint, Blockchain.coms compliance team has only sent an automated message stating that my case was escalated and no longer visible to frontline support. I have not received any meaningful response, update, or explanation for the ongoing restriction of my funds. 
I have fully complied with all XXXXidentity verification requirements, submitted all requested documents, and followed all internal support procedures. Despite this, the company has failed to provide a clear reason or timeline for the release of my custodial assets. 
This prolonged restriction has caused significant financial and emotional distress. Blockchain.coms lack of transparency and responsiveness appears to violate reasonable standards of consumer protection and custodial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Someone deposited XXXX to my account to purchase business material for their beauty supply company they sent it directly to the bank to cash it out. Bank Flagged transaction due to anti fraud measures and locked my debit card account. I have not had access to the account in days. Thats the only account I have. I ensured that the funds were available to be sent and the banks is preventing the funds from being processed. First thing is the fact they are locking my account the second is the funds the first one is more important to me.

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 2025-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo never sent me the information that I needed for verification of my payment history from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX they keep telling me that I did a refi over the phone and I told them a young lady by the name of XXXX XXXX came by my home and did a refi at my kitchen table. I believe all they have to be done to show that the XXXX XXXX was valid because they have no documentation that or the XXXX have no documentation saying that I had a XXXX XXXX in XXXX they keep saying it originated but I believe they took my equity from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and they have yet to show me my payment history from XXXXXXXX XXXX XXXX  They put numbers together that doesnt match up with the numbers that my payment history was valid trying to get a closure on this. Ive been dealing with this for XXXXx years. just send me my payment history from XX/XX/XXXX to XX/XX/XXXX before was transferred to XXXX XXXX XXXX XXXX. I have my payment history from XXXX XXXX XXXX BANK from XXXX of 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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/year> in XXXX XXXX. I was advised I had 3 days to refinance with a different lender other than Santander Consumer USA. I contact XXXX and my application was excepted. XXXX provided the payoff amount to be sent to Santander a check was cut and mailed to the address per the document provided to by XXXX. Copy of check enclosed. 

Several weeks later there was an inquiry regarding the title and was informed by a representative they have not received the payoff. Santander was contacted for an explanation and advised the address was incorrect and provided a different address later to find out the mailbox is not monitored. 

XXXX stopped payment on the check and a XXXX check was resent to the address provided. Upon confirmation they received the check and the check has since been cashed Santander is refusing to release the title, stating additional monies are owed in the amount of to date {$630.00} for accrued interest. 

XXXX has sent a letter to resolve the issue copy provided, however Santander is calling me everyday harassing me to pay this additional monies which is accumulating interest daily or they will not release the Title. 

I have spoke to numerous representatives and management explaining I followed the instructions provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

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 2025-10-15 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: NC

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 2025-10-15 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: NC

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 explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
Dear TransUnion 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

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 2025-10-15 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got the credit card statement on snail mail yesterday XXXX. XXXX it there a letter : " Important Changes to Your Account Terms '' and proceeds to indicate that " due to recent late or returned payment, the PENALTY APR below ( 27.74 % ) will be applied to your account on XX/XX/year> '' I called the corporation and confirmed that they have received all my payments on time with you returned of anything ( I pay online ) and for the past three months actually I made two payments per month. These are as follow : XXXX {$160.00} XXXX {$64.00} XXXX {$3500.00} XXXX {$480.00} XXXX {$100.00} XXXX {$160.00} XXXX {$590.00} On my call with customer service rep. I was told that my APR according to their computer was 26.99 % and that they can not do anything to make changes because according to the agreement I signed years ago!, my APR fluctuates. The only thing she was able to do is delete the late payment fee of {$29.00}. 
What it bothersome- it is the way this corporation accuses me of being late and justify their increase on my APR on a false statement. I can understand about fluctuation of APR but I WON'T ACCEPT TO BE ACCUSED ON FALSE STATEMENTS! 
I want CFPB to investigate this corporation to the fullest extend of the law as it is probably justifying their financial maneuvers on false statements onto other customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-10-15 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: IL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Remove the contested accounts as per the legal timing under 15 U.S. Code 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had several Wells Fargo accounts, a checking account, a personal credit card, a business credit card, and a personal loan. I paid all accounts requiring payments on time. The only account that went delinquent was the business credit card because the business was not doing well. But my personal credit card and personal loan were always current. In XX/XX/XXXX I received a notice that Wells Fargo had closed my personal credit card. I called, and I was told that they reviewed my account and found it was unsatisfactory and closed the account. I told them my personal accounts were up to date, and they were unable to give me any more information. In XXXX of XXXX, I reached back out to find out if they could give me any other information, and they said they would have my request escalated because I mentioned that I would file a complaint against the bank for closing my personal account when it appeared to be because of my business credit card being delinquent. I was reached out to again and given the same answer as before.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate information. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate. I am requesting a thorough investigation of these accounts, and if they can not be verified as accurate, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation