vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I'm filing against Chase Freedom for deceptive practices. I applied for a {$12000.00} credit limit for a balance transfer to clear {$11000.00} on my XXXX XXXX card. Chase approved only a {$6000.00} limit without confirming I'd accept half. They processed a {$5700.00} anyway, charging me a fee of {$170.00}. I want that fee refunded. Rocket Loans paid my full XXXX balance instead. This was misleading since they didn't ask if I wanted the reduced amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am writing to dispute several items on my credit report. Upon reviewing my report, I found discrepancies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I am disputing : Account : XXXXXXXX XXXX  ( Account Number : XXXX * * ) * * Issue : The payment status is reported as Late 60 Days, yet this account was closed by me. I request a review of the payment history and for the account to be reported as closed by consumer without a late payment. 
FCRA Violations : FCRA Section XXXX ( b ) : XXXX XXXX The account status does not reflect the correct information. 
FCRA Section 611 ( a ) ( 1 ) The dispute process should have been more thorough and properly investigated. 
Account : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : This account shows discrepancies in the credit limit, high credit, and payment status. The amounts listed do not match the accurate values. Please verify and correct these details. 
FCRA Violations : FCRA Section 607 ( b ) : Maximum Accuracy The information does not meet FCRAs requirement for maximum accuracy.

FCRA Section 611 ( a ) ( 5 ) ( A ) If the information can not be verified, it should be deleted. 
Account : XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX * Issue : This account is reported as open, but there are discrepancies in the balance and payment status. 
Please review and ensure the information is correct. 
FCRA Violations : FCRA Section 607 ( b ) : Accuracy The reported balance and payment status seem incorrect.

FCRA Section 611 ( a ) ( 5 ) ( A ) Please remove the information if it can not be verified. 
Account : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX * Issue : The balance of {$25000.00} appears incorrect. I also believe the payment deferred status is inaccurately reported. Kindly verify and update this account. 
FCRA Violations : FCRA Section 607 ( b ) : Accuracy The balance and payment status are not aligned with my records.

FCRA Section 605 ( a ) The outdated or unverifiable information should be removed.

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 2025-11-25 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: NY

Complaint narrative:
I am submitting this dispute statement regarding the following accounts in dispute, which I believe contain errors or inaccuracies. The accounts listed below are being reported on my credit report by the major bureaus : TransUnion ( TU ). I request that these items be thoroughly investigated and rectified as necessary. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} INQUIRIES XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete credit reporting by the major credit bureaus : XXXX XXXX XXXX XXXX The accounts listed below are being disputed due to errors in reporting, including inaccurate balances, misreported dates, and incomplete information that violates the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX, Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXXXXXX, Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-25 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:
I am submitting a formal dispute regarding the following accounts that are listed on my credit report. These accounts have discrepancies that need to be investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$23000.00} UNAUTHORIZED COLLECTION Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 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 litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my credit report as of [ Insert Date ]. These items are inaccurate and require immediate correction. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$59.00}. 

Inquiries : XXXX Date : XX/XX/XXXX. 

XXXXXXXX XXXX, Date : XX/XX/XXXX. 

XXXX XXXX, Date : XX/XX/XXXX. 

XXXX XXXX, Date : XX/XX/XXXX. 

Late Payments : XXXX XXXX, Account XXXX : XXXX. 

XXXX, Account XXXX : XXXX. 

XXXX, Account 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 2025-11-25 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Our HOA banks with Chase bank. Scammers called us, pretending to be Chase and saying that our XXXX was corrupted. Due to this, we were instructed to transfer money out of the corrupted account into a new account. At the branch, the teller and assistant branch manager completed the transaction even though weve never moved money before and this should have been flagged. Now that this has happened, Chase is not working to get our money back. Since it is not seen as fraud under their definition, they dont have the support we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft/scam by an imposter first by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX special agents XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Department XXXX 

All my assets were transferred to XXXX account apparently and It was verified as scam yesterday. I contacted Bank of America and XXXX XXXX XXXXXXXX and requested recall of all the wire transfers yesterday.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts listed on my credit report. I believe these accounts contain discrepancies and errors that need to be investigated and corrected. Below are the details of the accounts in dispute : Charged-Off Accounts : 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 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 2025-11-25 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: MA

Complaint narrative:
Dear Sir/Madam, I am disputing the following charged-off accounts that appear on my Experian credit report. These accounts are either incorrect, inaccurately reported, or have outdated information : XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX  XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXXXXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXXXXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} COLLECTION : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX : Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX : Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Payment XXXX XXXX : Account Numbers : 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 2025-11-25 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-25 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: OK

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-25 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: MD

Complaint narrative:
I am filing a complaint regarding Shellpoint Mortgage Servicing for its repeated failure to provide me with access to my online loan portal, as well as ongoing misinformation, poor customer service, and refusal to resolve a basic servicing issue. 
Despite calling Shellpoint more than XXXX times and sending multiple emails to various departments ( per the instructions of several representatives ), I have still never been granted access to the companys online portal to view or manage my mortgage account. On XX/XX/XXXX of this year, I submitted my request in writing, as instructed. Even after that, my online access was never provided. 
For months, Shellpoint representatives repeatedly told me that they were working on linking my loan to the online system and that access would be restored. However, on my most recent call, a customer service manager informed me that the company does not have the capability to link my loan online at alldirectly contradicting everything I had been told for more than a month. 
This means I was misled for an extended period of time, wasting countless hours trying to obtain something Shellpoint now claims is impossible. Additionally : Representatives have refused to transfer me to supervisors when requested. 
I have been intentionally placed on extended holds with no response. 
No meaningful assistance has been offered despite my repeated attempts to resolve this. 
Shellpoints actions ( and inactions ) have left me without basic access to critical account information and have caused significant frustration and inconvenience. This is unacceptable behavior for a mortgage servicer, and I am requesting CFPB assistance to ensure the company resolves this issue promptly or provides a clear and truthful explanation for their failure to do so. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CT

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS ( EX ) 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