vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Figure Technologies, Inc
State: NC

Complaint narrative:
I have reported to the credit bureaus that I have a closed account with Figure Lending, I have provided a letter and the copy of the recorded satisfaction deed with the bureau 's and still it shows I have a balance of {$100000.00} ... I want it to show paid off and closed how hard is it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-16 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: VA

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 Trafficking-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 four 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 2 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check written to me by my grandmother in the amount of {$1400.00} and submitted it through Chase Mobile deposit system and the originally held it for 10 days. After that hold they restricted my account and now I cant make withdrawals, deposits, purchases, or transfers. Every time I call them to remove the restriction I have to provide information on why the check was deposited, verifying my identity, and even with that information still my account and funds are restricted. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ; Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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 an 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting a
gency 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 
15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

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

1681c-2 ) that you, the Equifax Information 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, TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$93.00} INQUIRIES : XXXX Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX/XXXX Date : XXXX XXXX XXXX XXXX  Date 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an inaccurate and incorrect account listed on my credit report under the name XXXX XXXX XXXX. This account 's balance consists of improper charges.

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 2025-07-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a dental bill financed through care credit since XXXX. The balance is currently listed at XXXX, I tried resolving this and hoped to reach a fair agreement by settling this account. I believe the interest made it much higher than the original treatment cost, and requested a settlement on XX/XX/XXXX for the principal, or a significantly reduced balance. Im not disputing that I received treatment, but I was unaware of the high interest or terms at the time, and may have not fully understood or signed off on those conditions. I continued to offer a settlement but was constantly rejected. They would only offer a different payment plan if eligible. The only way to settle would be if I was past due on my payments by XXXX or XXXX months. Not to mention apparently I was on a promotion plan that expired a few months ago and was charged {$1900.00} of interest, and on top of that I had insurance on my balance that I was unaware of and was charged an extra {$66.00} since XXXX. I just want to reach a fair agreement and settle this matter but constantly get rejected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A {$15000.00} check was given to me which I deposited into my bank account at Chase. shortly after, I took {$25000.00} from that account in a form of a cashiers check and took it to open up a new bank account at XXXX XXXX. days later a hold was put on the check due to the {$15000.00} fraudulent check at Chase Bank. I was told XXXX and XXXX sent out a hold at the new bank. Once aware of the fraud, I immediately went to Chase and paid off the {$15000.00}. Shortly after, a SIGNED hold and harmless letter agreement was requested from XXXX. They refuse to send the proper documentation and refuse to give me anything in writing and or reasons as to why my funds are still being held a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: VA

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

1681c-2 ) that you, the Equifax Information 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 VA XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Complaint Description : I am filing this complaint against Shellpoint Mortgage Servicing ( NewRez ) due to serious violations of federal credit reporting and servicing laws.

Shellpoint continues to report a VA-backed mortgage loan to credit agencies as active and delinquent, despite having full knowledge and legal documentation that the loan is currently in litigation. The property in question was found to be fraudulently sold, illegally permitted, and uninhabitable, which is the basis of the court case.

Despite providing Shellpoint with : Court records showing ongoing litigation, Formal disputes, Requests to cease reporting during the legal process, They have refused to mark the account as disputed, and continue reporting it as a valid, overdue mortgage. This has caused severe and ongoing damage to my credit, which in turn has made it impossible for me to access financing to repair my current home ( also a VA property with similar issues ). They have also given me false information for an attorney in their emails stating that it was a fraud lawyer for their company and when my attorney contacted him as instructed the response that he got from this attorney was that he does not in fact work with them and we were lied to.

I believe Shellpoint is violating : The Fair Credit Reporting Act ( FCRA ) by knowingly reporting inaccurate and misleading information, The Fair Debt Collection Practices Act ( FDCPA ) by continuing collection activity on a disputed debt, RESPA by failing to respond to formal notices and written disputes, And CFPB servicing guidelines for treating consumers unfairly during legal disputes.

I am requesting that the CFPB : Investigate Shellpoints handling of my account, Require them to update my credit report to reflect that this loan is in active litigation and disputed, Cease negative credit reporting and collection activity until the litigation concludes, And ensure Shellpoint responds to my formal requests.

This situation has significantly impacted my familys financial and emotional well-being. I am available to provide all supporting documents, including legal filings, written communications with Shellpoint, and evidence of misrepresentation in the sale of the property.

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 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
On Friday, XX/XX/year>, my Charles schwab broker account number XXXX was blocked. I got a mail stating they took business decision to close down my account in 1 month ( XX/XX/year> ), all trading has been already blocked. 

I've contacted support, they told me to call in and speak with the supervisor to get more info. The supervisor explained to me it was a business decision and that he has no other info. I've sent another message to support and they told me this time to call in and request to speak with XXXX XXXX XXXX XXXX XXXX department. I did that and got exactly the same reply ( business decision, no other info available ). I requested a review and got reply they never do reviews once they take a business decision to close down the account. 

I honestly have no idea what could be the reason, as I never did anything wrong or illegal. I use more or less the same trading strategy for the past 9 years, first with XXXX XXXX and after the acquisition with Charles Schwab.

After researching online for the possible reasons, I'm pretty sure the blocking happened by mistake or misinterpretation of certain trades or transfers.

My trading strategy is momentum trading ( scalping ) of the most volatile stocks each trading day. I enter and exit position multiple times. I never used any manipulative strategies or algorithmic trading. I manually enter and exit position on both long and short side, when locates are available. By targeting small gains ( XXXX % per trade ) and making XXXX trades per day, I can make or lose 50 % + of my trading account in a single day, that's why I'm trading with a very small account size ( $ XXXX {$50.00} ), and I regulary withdraw my profits. When/if I fall below {$25.00}, I either deposits the difference to {$25.00}, or do overnight swings trying to get back to {$25.00}.

Considering the explained strategy, I do many deposits/withdrawals, but I always used my one and only Slovenian bank account for all transfers, there is absolutely NO money laundering involved or breaking of any XXXX  policies .

One of the possible reasons for blocking could be more active trading during the last XXXX trading days before the block. I did a few extra orders, as I've noticed the improved short locates by Charles Schwab, so I made multiple scalps both on the long and short side of many very volatile stocks. Having excessive number of orders as a reason for blocking would be a huge over-reaction. A simple warning with a maximum executed orders per day would do it ( I would 100 % respect it ). Also, I wasn't ( and I'm still not ) aware of any limits of number of executed orders per trading day by Charles Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered Ive been a victim of identity theft

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 2025-07-16 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-16 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: SC

Complaint narrative:
There are inaccurate accounts/inquires reporting on my credit report and the account section does not provide any contact information to creditor but what i do know its incorrect I don't owe anyone anything the following inquiries are : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove as soon as possible

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