vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Chase Bank Customer Service Department CC : Consumer Financial Protection Bureau ( CFPB ) CC : Office of the Comptroller of the Currency ( OCC ) CC : Federal Trade Commission ( FTC ) Subject : Formal Complaint Unauthorized Disclosure of Mortgage Information / Violation of Federal Consumer Rights To Whom It May Concern, We are submitting this letter as a * * formal complaint * * regarding serious violations of our consumer rights and federal privacy protections in relation to our mortgage account with Chase Bank. 

On two separate occasionsXXXXXX/XX/XXXX, and XX/XX/XXXX, XXXXChase Bank disclosed private mortgage and foreclosure-related information about our account via text message to XXXX XXXX XXXX XXXX XXXX XXXX is not a borrower, co-borrower, guarantor, or authorized third party on our loan. At no point did we grant consent for him to receive any communications or account details.

This disclosure is a * * clear violation of federal consumer protection laws * *, including but not limited to : * The Fair Credit Reporting Act ( FCRA ), which protects the confidentiality of consumer credit information.

* The Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard nonpublic personal information. 

* The Real Estate Settlement Procedures Act ( RESPA ), which establishes standards for fair servicing practices. 

By sharing nonpublic account details with an unauthorized party, Chase Bank failed to safeguard our financial information and breached its legal obligations.

We hereby demand that Chase Bank : 1. Conduct a full internal investigation into how and why these disclosures occurred. 

XXXX. Provide a written explanation of the findings and identify corrective measures being implemented. 

XXXX. Immediately cease and prevent any future disclosures of our account information to unauthorized parties. 

XXXX. Confirm in writing that XXXX XXXX XXXX has been permanently removed from all contact lists and records related to our account. 

We are forwarding this complaint to the * * CFPB, XXXX, and FTC * * for their records and further review, as this matter constitutes not only a privacy violation but also a breach of federal consumer protections. 

We expect a written response within 30 days, as required by federal complaint-handling guidelines. 

Sincerely, -- - XXXX XXXX -- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The company said I made a charge on my credit card on XX/XX/2025. The charge was for {$320.00}. They said my physical card was used. I was at a school board meeting that evening and I have the minutes to prove it. They said either I used it or I let someone else use my card. Neither is true. The BJ 's card is always kepted on my person.The company said I have to pay this charge. The don't believe me and I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I am writing to formally notify you of a serious privacy breach by NEWREZ. On XX/XX/2025, a representative ( or agent ) for NEWREZ contacted my ex-wife, XXXXXXXX XXXX XXXX XXXXXXXX, who has never been authorized on my mortgage account and is not associated with my account in any capacity. During that contact the representative disclosed my account number, property address, and the status of my account, and attempted to solicit authorization to withdraw funds from my personal checking account. This disclosure was unauthorized, improper, and violates federal privacy rules governing financial institutions. 

This disclosure of nonpublic personal financial information including an account number and account status raises potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and implementing regulations, which restrict disclosure of customer financial information to unauthorized third parties and require financial institutions to safeguard such data.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
Complaint Summary TransUnion Improper Reporting and Disclosure of Specialized Consumer Data TransUnion has included two separate reports on my credit file that were obtained and/or shared with other consumer reporting agencies ( CRAs ) without my authorization or any permissible purpose.

Checking Account and Demand Deposit Account ( DDA ) Activity : TransUnion initiated a request to Chex Systems for this information.

I did not authorize this inquiry or grant permission for TransUnion to request or include this information in my credit report.

This action involved a specialized consumer reporting agency and appears to have no permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Supplemental Consumer Credit Information : XXXX initiated a request to Teletrack, another specialized CRA.

TransUnion then allowed this information to be included in my TransUnion credit file.

Again, I did not authorize this disclosure or inclusion.

These combined reports covered 112 data items across 42 categories, spanning activity from one month to seven years.

In total, three outside specialized CRAs ( Chex Systems, XXXX, and SYNCB/PayPal ) were involved, and TransUnion either initiated or permitted both reports to appear on my credit file without my consent and without a clear permissible purpose as required under 15 U.S.C. 1681b. 

This constitutes : An unauthorized use and dissemination of my consumer information, and A potential violation of the FCRA regarding permissible purpose, data accuracy, and disclosure.

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 2025-10-29 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
b"ADDITIONAL COMMENTS\nI still do not understand why the additionaXXXX XXXX  is being added. I'm being charged the XXXX XXXXor the start up of escrow and again for disbursement. Why am I being charged for disbursement made in XXXX XXXX? Am I being charged a year in advance? Initial startup was for XXXX XXXX XXXX  I don't want to pay in advance. Can I just cancel the escrow account? I will pay my insurance up front myself. When I initially called SPS about escrow account. Rep said it would be the XXXX XXXX  added to monthly payment. Not double that."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I opened a SoFi credit card and investment account.

Shortly after, it was closed because my bank charged back my transfer.

However, I owned around 1 share of XXXX stock in the SoFi investment account.

That investment account stayed active until around XXXX of XXXX when it was closed. 
However, I never received the funds from this account. 
I just called SoFi and they told me that when the account was sold, my 1 share of XXXX stock was sold and the funds were used to close my investment account. 
My shares at that time were sold around {$140.00} according to the individual on the phone. 
I never received a notification or a bill or anything about the account closure. 
They never billed me or notified me about account closure fees and they failed to disburse funds that were mine. And {$140.00} in closing fees seems excessive, boarding on illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-29 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: KY

Complaint narrative:
Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I am formally disputing inaccurate and unverifiable information appearing in my TransUnion credit file. Please perform a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and correct or delete the items described below. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Issue : Reported as 60 days late ( XX/XX/XXXX ) with a past-due balance of {$250.00}. 
Reason for dispute : This late-payment entry is inaccurate. I have no record of delinquency, and I received no written notice of default.

Violations cited : 607 ( b ) Failure to assure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

Requested remedy : Delete or correct the 60 Days Late notation and update the status to Paid as agreed / Current unless the creditor can produce documentary proof of delinquency.

Possible Finance Account XXXX XXXX XXXX XXXX Issue : Reported as 30 days late ( XX/XX/XXXX ) on a closed, paid account. 
Reason for dispute : The loan was paid in full ; no delinquency existed at closing. 
Violations cited : 607 ( b ) Failure to assure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

Requested remedy : Remove the 30 Days Late entry or update the account to Paid / Closed in good standing if verification can not be produced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is repeatedly denying my request to fix the bankruptcy being listed under my name on the credit report. Experian added a bankruptcy in XXXX under the name XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX and will not correct it even with proof being submitted. The following denial dates are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I now have to mail in a letter with my father and I 's personal information which could be stolen in the mail instead of submitting it to a secure server. They are purposely not fixing problems and trying to make it mine even though I have nothing to do with this bankruptcy. I may pursue legal action if this is not corrected and am filing the complaint now as they have already damaged my credit for 6.5 years with their " mistake ''.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief