vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Subject : Improper Handling of Mortgage Recast Request by Shellpoint Mortgage Complaint : I am filing a complaint regarding Shellpoint Mortgages mishandling of my mortgage recast request. 
I submitted all required documents and followed all instructions provided by Shellpoint to complete a recast on my mortgage on XX/XX/year>. Despite doing so, Shellpoint has not processed my request properly. Specifically : -They have not provided clear or timely updates on the status of my recast request. 
-I had to initiate the initial 7 day period twice ( XX/XX/year> and XX/XX/year> ) due to their failure to act. I also never received the original agreement for re-amortization and had to request it myself from the customer service department on XX/XX/year> and despite paying to have it overnight mailed on XX/XX/year> and verified as received by them on XX/XX/year> via XXXX they had not updated this agreement in their system on XX/XX/year>. 
-When I called on XX/XX/year> the agent I spoke to verified they had received the signed document and it was pending processing. 
-On XX/XX/year> when I called since my new payment amount had still not been posted I was told there was an IT issue verbally by the agent and in writing from the compliance department and was told it would be manually updated by Wednesday XX/XX/year>. 
-On Friday XX/XX/year> I once again reached out as the new payment amount had not been posted. The agent I spoke to said it may be another week and that the amount we signed a re-amortization agreement for was now incorrect so we would have to sign a new one. 
-I have received inconsistent or contradictory information from different representatives. 
-Deadlines and processing times given to me by Shellpoint have not been honored. 
-I have complied with every requirement, yet Shellpoint has failed to complete the recast. 

This failure to process my request is causing unnecessary financial stress and preventing me from obtaining the lower monthly payment that should result from the recast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-28 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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  UNAUTHORIZED INQUIRIES : 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
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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  UNAUTHORIZED INQUIRIES : 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 2025-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because I was the victim of a job-offer scam and Bank of America has not handled my case properly. 
I applied for a job through XXXX and was contacted by a person claiming to be from XXXX. XXXX. I received instructions from someone identifying as XXXX, downloaded XXXX XXXX, and had a full video interview with a person named XXXX. I have the entire interview recorded. They sent me a contract, requested personal information, and told me I would receive a check for work equipment. The company appeared legitimate online, with a website, XXXX XXXX XXXX XXXXXXXX reviews. 
I deposited the check for {$2500.00} into my Bank of America account and waited several days. Bank of America displayed the funds as available, leading me to believe the check had cleared. If the check was fraudulent, it should not have shown as fully available in my account, as this misleads customers into thinking the funds are verified. 
Following the instructions of the scammerswho said the money was for equipmentI sent {$1000.00} via XXXX from Bank of America and {$400.00} via XXXX from XXXX XXXX. I have all messages and documentation. 
Bank of America has not resolved my case. They denied reimbursement and told me they will attempt to recover the money from the other bank, even though it is unlikely the scammer has funds available. Additionally, Bank of America repeatedly gave me a non-functional email address ( XXXX ) to send my evidence. I attempted to use this email twice after XXXX separate calls, and it does not work. This prevents me from submitting my documentation and makes me feel that the bank is avoiding responsibility. 
Because Bank of America displayed fraudulent funds as available, failed to warn me, did not process my case promptly, and provided a non-working email for evidence submission, I am requesting a full investigation and reimbursement for the money I lost due to this scam. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Complaint Summary : My Chime account was closed and I was denied access to my own banking records after reporting identity theft and unauthorized electronic fund transfers. Chime is refusing to reimburse the stolen funds and is preventing me from accessing statements needed for law enforcement reports, which violates Regulation E. 

Full Description : My name is XXXX XXXX, and my Chime bank account was fraudulently accessed and drained on XX/XX/year>. A total of {$2400.00} was transferred without my authorization to a fraudulently created XXXX account in my name, which I did not open, control, or authorize. Additionally, on XX/XX/year>, XXXX other unauthorized transactions occurred, including XXXX and other purchases totaling over {$200.00}. All known fraudulent transactions occurred in or around the XXXX XXXX, CA area XXXX I live nowhere near this region. 

I promptly filed a dispute with Chime, reported identity theft, and requested the account be reviewed under Regulation E of the Electronic Fund Transfer Act. Instead of assisting, Chime emailed me stating that no error occurred, denied my claim without proper investigation, and closed my account. They have locked me out of all access, including access to my statements, transaction history, and records needed to complete my FTC identity theft report, police report, and fraud documentation for other agencies. 

Chime is refusing to : Provide me access to my transaction history Provide monthly statements Provide investigation documents Reimburse the unauthorized transfers Reopen my account long enough to retrieve my lawful records Regulation E requires Chime to provide documentation relied upon in denying a dispute and to provide account records, even if the account is closed. Chime is currently violating 12 CFR 1005.11 ( d ) ( investigation requirements ) and 12 CFR 1005.11 ( c ) ( consumer right to documentation ). 

I am requesting that the CFPB intervene to : XXXXRequire Chime to release my full statements and transaction history for the past XXXX  months. 
XXXXRequire Chime to provide the documentation they relied on to deny my claim. 
XXXXReopen or restore temporary access to my account so I can obtain my own records. 
XXXXRequire Chime to properly investigate the unauthorized transactions under Regulation E. 
XXXXRequire reimbursement of the unauthorized withdrawals totaling {$2600.00} ( including the initial {$2400.00} transfer and the additional unauthorized purchases ). 

I am a victim of identity theft and urgently need my records for law enforcement and financial recovery purposes. Chimes refusal to provide access is causing severe harm and violates federal consumer protection law. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
I am begging for help! I am a victim of the Experian Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake Experian made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of the information below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2025-11-28 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: Block, Inc.
State: VA

Complaint narrative:
Subject : Square un

fairly held my funds for 90 days and deactivated my account without cause. Details : My Square account was deactivated even though I have no disputes, no chargebacks, and no policy violations to my knowledge. Square has placed a 90-day hold on my funds and is refusing to provide a specific reason for the closure beyond a generic message.

They have informed me that the decision is final, and the funds will not be released until XX/XX/year>, even though my business activity has been legitimate and low-risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

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 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 2025-11-28 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: LA

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 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting TransUnion to investigate items appearing on my credit file that I believe are inaccurate. 

XXXX Accounts Under Dispute ( TransUnion currently shows charged-off items. I request documentation and validation for any charged-off accounts on my file. ) Unauthorized / Unverified Inquiries I dispute the following inquiry that I do not recognize : XXXX XXXX  XX/XX/year> Please verify this inquiry and remove it if it can not be validated as authorized by me. 

Late Payments Under Dispute I dispute the accuracy of the late payments listed for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are not consistent with my records. I request full verification through original payment data. 

I ask TransUnion to investigate and correct or delete any inaccurate or unverified 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting TransUnion to investigate items on my credit file that I believe are inaccurate. 

Charged-Off Accounts Under Dispute I dispute the following charged-off accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$980.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$35000.00} XXXX  XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} There appear to be duplicates, mismatched dates, and inconsistent balances. I request full validation. Any item that can not be verified should be removed. 

Inquiries Under Dispute I do not recognize : XXXX XXXX  XX/XX/year> I request proof that I authorized this inquiry. 

Late Payments Under Dispute I dispute the following late payment : XXXX XXXX XXXX XXXX XXXX XXXX  I request TransUnion to verify this with the creditor. 

I ask TransUnion to correct or delete any items that are not fully 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Date of Transaction - XX/XX/year> Amount - {$2800.00} Merchant XXXX XXXX On or about XX/XX/year> I received a security alert from my credit card company that someone was trying to use my card for a {$2800.00} purchase. I declined the charge called the credit card company and they sent me a new card. 

A few weeks later I received a letter from my credit card company Barclays stating that a dispute for {$2800.00} was resolved in the vendors favor because I had used XXXX before in XX/XX/year>. The XXXX transaction in XXXX was authorized my me. The {$2800.00} transaction was not mine nor my authorized user. Barclay is refusing to remove the charges and states that Im responsible. 

The fact that I used XXXX before does not mean Im responsible for fraudulent 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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: NY

Complaint narrative:
After I filed dispute on my account on the XXXX of XXXX and chime paid only one out of the transactions I dispute please help me

Company response to consumer: Closed with explanation