vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a payment in the amount of {$35000.00} which was in additional to the full contractual monthly payment due under the terms of my loan, including principal, interest, taxes, and insurance ( PITI ). This amount was to be applied fully to principal paydown of the loan as there was no outstanding balance on the loan. On XX/XX/XXXX, I submitted another payment in the amount of {$3900.00}, which constitutes the full contractual monthly payment due under the terms of my loan, including principal, interest, taxes, and insurance ( PITI ) for the payment due on XX/XX/XXXX. However, instead of properly applying these XXXX payments to my loan account, XXXX XXXX  placed it in a suspense account, and failed to apply it toward the outstanding balance and principal. I filed a complaint on XXXX XXXX. On XX/XX/XXXX, this loan was sold from XXXX to Shellpoint Mortgage. Now, Shellpoint Mortgage has applied the payments on XX/XX/XXXX, but interest has accrued from the time the payment was made ( XX/XX/XXXX and XX/XX/XXXX ) until the time that the payment was applied on XX/XX/XXXX so my outstanding principal is inaccurately high. Also, there is a payment missing that was made to XXXX. This is not shown anywhere and we did not receive the money back from either XXXX or Shellpoint. I want the issue fixed and I want the payments applied the date they were made so the principal pay down on that date shows and no interest is accrued on principal that was paid down.

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 2025-07-04 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: JPMORGAN CHASE & CO.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To the CFPB, I am requesting your continued help because Wells Fargo has once again denied my fraud claim without conducting any meaningful investigation or providing any lawful justification. I am asking the CFPB to intervene to ensure Wells Fargo complies with Regulation E. 

Summary of my case : I was the victim of a scam in which I was deceived into sending money via Wells Fargos person-to-person payment service.

I reported this as fraud immediately.

Wells Fargo has repeatedly closed my claim in one day each time without meaningful investigation.

They continue to assert that these were authorized transactions solely because I entered them in the app, ignoring that I did so under fraud and coercion.

They tell me to pursue recovery with the recipient who is obviously a scammer.

Why this is wrong and violates Regulation E : Regulation E defines unauthorized electronic fund transfer to include fraudulently induced transfers where the consumer did not intend to pay the scammer.

The CFPBs own guidance makes clear that social engineering scams can qualify as unauthorized EFTs.

Wells Fargo is refusing to provide evidence of any real investigation or documentation proving the authorization was informed and legitimate.

By denying my claim in one day each time, they are failing to meet the requirement of a good-faith investigation.

What Wells Fargo is doing : Repeating the same boilerplate refusal letter each time, ignoring my explanation of fraud.

Refusing to share any investigation notes or evidence.

Claiming they are restricted by regulation from reimbursing me, which is false and misleading.

What I am requesting from the CFPB : Please require Wells Fargo to reopen my claim and conduct a proper, documented investigation under Regulation E.

Require them to provide me with all records related to their investigation.

Ensure they explain how they determined the transactions were authorized in any meaningful way.

Require them to comply with the requirement for provisional credit if they can not prove authorization.

Investigate whether Wells Fargos repeated one-day closures without review violate the EFTAs dispute requirements. 
I have now been fighting this for over a month with repeated bad-faith denials. I will not accept a form letter. I am asking for the CFPBs direct help to make Wells Fargo follow the law. 

Thank you for your attention.

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 2025-07-04 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: AZ

Complaint narrative:
I am submitting this complaint to report four fraudulent, closed accounts that were never authorized, opened, or used by me. Despite an active fraud alert placed on my credit file ( dated XX/XX/XXXX ) and prior disputes, Experian and TransUnion have continued to report these accounts as verified without providing supporting documentation or conducting a proper investigation. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Closed, XX/XX/XXXX days late XXXX XXXXXXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Closed, 30/60 days late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Sold ; XX/XX/XXXX days late WebBank/Fingerhut Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Charged-off, sold Violations : These accounts are the result of identity theft and billing errors, and their continued reporting violates : 15 U.S.C. 1666 ( Fair Credit Billing Act ) failure to resolve billing errors FCRA 1681i failure to perform a reasonable reinvestigation FCRA 1681s-2 ( b ) furnisher failure to correct inaccurate information No documentation ( e.g., original applications, signed agreements, IP addresses, or audio confirmation ) has ever been provided to validate these accounts. 

Requested Resolution : Permanent deletion of all four fraudulent accounts from my credit reports A full description of the verification process and any documentation used Investigation into Experian, TransUnion, and any furnishers involved for noncompliance Attached Evidence ( if allowed ) : Credit reports ( Experian XX/XX/XXXX, TransUnion XX/XX/XXXX ) Proof of active fraud alert ( XX/XX/XXXX ) ID and proof of address upon request These accounts are harming my credit and are in clear violation of my rights. I request immediate action by the CFPB to enforce the Fair Credit Billing Act and the Fair Credit Reporting Act.

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 2025-07-04 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the accounts listed in the FTC report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( ) XXXX proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. This is my last and final attempt requesting the proof of these results sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of the accounts listed in the FTC report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( ) XXXX proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. This is my last and final attempt requesting the proof of these results sent to 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 non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
NOTICE OF INTENT TO ARBITRATE ( for XXXX, JPMCB, and XXXX ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/2025 RE : Notice of Intent to File Arbitration Credit Reporting Violations XXXX  Account # XXXX JPMCB Card Services Account # XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal Notice of Intent to Arbitrate regarding the inaccurate and harmful credit reporting of the above-referenced accounts. Despite these accounts being clearly marked as included in my XXXX   XXXX bankruptcy discharge ( Case # XXXX ) and disputed through proper channels, they continue to be reported with derogatory marks, in violation of federal law. 



Alleged Violations : 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute notice 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy of credit reporting 11 U.S.C. 524 : Violation of bankruptcy discharge injunction FTC Fair Credit Reporting Principles : Continuing to furnish misleading or outdated data that damages the consumer Relief Demanded : To avoid formal arbitration proceedings, I demand the following actions within 15 calendar days of this notice : 1. Permanent deletion of all three accounts ( XXXX, JPMCB, and XXXX ) from all major credit reporting agencies ( XXXX XXXX XXXX ). 
XXXX. A written confirmation that none of these accounts will be sold or reassigned to third-party collectors or data furnishers in the future. 



Final Notice If no satisfactory resolution is provided by XX/XX/2025, I will move forward with filing arbitration under the terms of your respective agreements with JAMS or XXXX, seeking full relief under the FCRA and FDCPA, as well as damages related to credit suppression and emotional distress. I have retained all necessary documentation, including : My bankruptcy discharge papers Credit report excerpts CFPB complaint filings Previous dispute history Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: DISCOVER BANK
State: WI

Complaint narrative:
NOTICE OF INTENT TO ARBITRATE ( for Discover, XXXX, and XXXX ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/2025 RE : Notice of Intent to File Arbitration Credit Reporting Violations Discover Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal Notice of Intent to Arbitrate regarding the inaccurate and harmful credit reporting of the above-referenced accounts. Despite these accounts being clearly marked as included in my XXXX  XXXX bankruptcy discharge ( Case # XXXX ) and disputed through proper channels, they continue to be reported with derogatory marks, in violation of federal law. 



Alleged Violations : 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute notice 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy of credit reporting 11 U.S.C. 524 : Violation of bankruptcy discharge injunction FTC Fair Credit Reporting Principles : Continuing to furnish misleading or outdated data that damages the consumer Relief Demanded : To avoid formal arbitration proceedings, I demand the following actions within 15 calendar days of this notice : 1. Permanent deletion of all three accounts ( Discover, XXXX, and XXXX ) from all major credit reporting agencies ( TXXXX XXXX XXXX XXXX 
2. A written confirmation that none of these accounts will be sold or reassigned to third-party collectors or data furnishers in the future. 



Final Notice If no satisfactory resolution is provided by XX/XX/2025, I will move forward with filing arbitration under the terms of your respective agreements withXX/XX/XXXX, seeking full relief under the FCRA and FDCPA, as well as damages related to credit suppression and emotional distress. I have retained all necessary documentation, including : My bankruptcy discharge papers Credit report excerpts CFPB complaint filings Previous dispute history Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am submitting this complaint because Citi is continuing to retain, collect on, or maintain internal records related to an account that has already been permanently deleted from all three major credit reporting agenciesXX/XX/XXXXThe account in question is : Account Number : XXXX This account was removed due to either being inaccurate, unverifiable, or the result of identity theft/fraud. Despite its deletion from all consumer credit reporting agencies, the creditor has continued to either ( 1 ) attempt to collect, ( 2 ) maintain an open or active record internally, or ( 3 ) reserve the right to re-report or resell the account, all of which are improper and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-04 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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