vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have had my social security check directly deposited into my account for 11 years. Occasionally, I would receive a {$10.00} service fee. I would call Wells Fargo, and they would revise the fee. On XX/XX/year>, I received another fee. When I called, I was told it would not be reversed. When I asked " why '', I was told that it was not received by the time the fees are posted. Something about Wells Fargo algorithm and Social Security algorithm not matching. 

I can not control any of this. I am following the bank 's rules of direct deposit.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
I opened up a XXXX XXXX checking account and brokerage account a few weeks ago. Today is XX/XX/year> and I activated my new debit card for the checking account today, since I received a direct deposit for around {$1000.00} into this account from my job. I tried to XXXX my best friend {$580.00} from this account for a trip that we have this weekend and received an error stating that it couldnt be processed at this time. I called the bank and they put in a case for the XXXX issue which is a coin issue when I looked online. A few hours later I went to check my balance and got a notification that my account is suspended. I called them about this.I have no access to my funds, they are not providing enough information on the investigation, did not give me a case number on the phone, and I dont know when Ill be able to access my funds especially when my job pays me. M extremely frustrated as this was my first time using this debit card and Im a new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

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 2025-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 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 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report. I have identified an error related to a private student loan account that I believe is being reported incorrectly due to the lenders bankruptcy and/or changes in loan servicing. 

Here are the details of the account in question : XXXX Name : American Education Services Account Number : XXXX Reported Issue : Loan marked as delinquent This loan originated from Raise, a private lender who has since filed for bankruptcy on or around XX/XX/XXXX. I believe the current reporting is inaccurate and does not reflect the loans actual status or ownership. As previously stated, I have received a letter from AES on XX/XX/XXXX stating that my loans were paid in full. I have still been receiving late payments reporting to my credit which is hindering me from a lot of things such as housing. I called AES on XX/XX/XXXX asking for a settlement and they continue to tell me that there is nothing further that they can do. The representative also stated that there is no timeframe on when the account would get sent to collections or be a charge off. According to AES, the account is 337 days past due and is still not been sent to collections or considered being charged off. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and either corrected or removed from my credit report. 

Please note that I am requesting this information because the original creditors bankruptcy may have impacted the enforceability of this debt. Until I receive proper verification, I request that you cease all collection activities and not report this debt to any credit reporting agency, as doing so without verification may constitute a violation of the FDCPA and/or the Fair Credit Reporting Act ( FCRA ) Please complete the investigation within the legally mandated 30-day period and send me written confirmation of the results. If the investigation determines that the account is inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My account was hacked and I called customer service spoke with several reps and managers no assistance there was {$1900.00} stolen from my account which my cc was attached to cash app as well I tried to dispute with my bank also who stated because my card was attached to a third party they could not assist with this matter. Multiple transfers and lies along with promises to repay the funding. No repayment then started receiving emails saying the dispute was denied which caused a huge mess. There was no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: DISCOVER BANK
State: GA

Complaint narrative:
Back in XXXX I was incorrectly charged {$220.00} at XXXX. The company was going out of business and, in an illegal effort, began making charges across everyones credit cards. I did not make these charges. 

After submitting the fraudulent charge I was told I would not be liable for any unauthorized charges to the card. Today, I received word that discover had sided with XXXX. XXXX supplied documents from when I previously purchased services for them, and their attached proof has nothing to do with my account. It appears Discover was lazy when reviewing this proof. What Discover is doing is both illegal and predatory and I expect them to side with their customers over a bankrupt company who is making unauthorized purchases with my credit cards. 

Reference number : XXXX I believe. Note : my response time may be delayed as I am on a XXXX week XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
I am submitting this complaint regarding an XXXX XXXX ( XXXX ) charge-off account that is being reported inaccurately and inconsistently across Equifax, Experian, and TransUnion. I previously submitted disputes in XX/XX/XXXX to XXXX and the credit bureaus, and I am now requesting deletion only not correction based on these facts. 
Specifically : Date of Last Activity : TransUnion : XXXX XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last Payment Date : TransUnion : XXXX Experian : XXXX Equifax : XX/XX/XXXX Account Number Format : TransUnion & Experian : XXXX XXXX Equifax : Begins XXXX XXXX Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX Experian & Equifax XXXX XXXX This proves the information is not accurate or uniform across the three credit bureaus. Per FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), information that is materially inaccurate or unverifiable must be deleted from the consumers filenot merely updated. 
I am expressly requesting deletion of this tradeline from all three credit bureaus. I do not consent to any correction, because the information can not be corrected consistently across platforms and is already damaging my credit profile. 

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 2025-06-11 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: LA

Complaint narrative:
I am submitting this complaint regarding an XXXX XXXX ( XXXX ) charge-off account that is being reported inaccurately and inconsistently across Equifax, Experian, and TransUnion. I previously submitted disputes in XX/XX/XXXX to XXXX and the credit bureaus, and I am now requesting deletion only not correction based on these facts. 
Specifically : Date of Last Activity : TransUnion : XXXX XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last Payment Date : TransUnion : XXXX Experian : XXXX Equifax : XX/XX/XXXX Account Number Format : TransUnion & Experian : XXXX XXXX Equifax : Begins XXXX XXXX Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX Experian & Equifax XXXX XXXX This proves the information is not accurate or uniform across the three credit bureaus. Per FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), information that is materially inaccurate or unverifiable must be deleted from the consumers filenot merely updated. 
I am expressly requesting deletion of this tradeline from all three credit bureaus. I do not consent to any correction, because the information can not be corrected consistently across platforms and is already damaging my credit profile. 

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
Consumer complaint received 2025-06-11 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: MS

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 2025-06-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the recent and unjust closure of my Chase account and the continued withholding of {$4400.00} in funds, including both a personal check and multiple business checks.

The issue began after I deposited a legitimate personal check made out to myself and my wife. Despite the check being valid, my account was abruptly closed, and the funds have been frozen. I was informed that the release of these funds was dependent on verifying my wifes phone number. In full cooperation, we changed phone providers and obtained a new number specifically to meet this requirement. Yet despite our efforts, Chases system continued to fail to verify her number and no one has been able to provide a clear reason why. 
I have spoken multiple times with a manager, explaining the situation in full. On one of those occasions, I even goXXXX XXXX XXXX XXXX XXXXn the phone to confirm directly that the phone number is indeed registered to us. Despite this real-time verification and our continued cooperation, Chase still chose to do nothing and refused to release the funds. 
Additionally, Chase representatives requested that we provide the contact information for the personal banker from the issuing bank of the personal check. While this was an unusual request, we complied fully and provided all details. Still, the issue has gone unresolved. 
To further complicate matters, several business checks deposited into the same account made out to a company we legally own have also been withheld. We provided all requested documentation confirming our ownership of the business, but again, we have been met with no resolution or meaningful communication. 
This situation is causing real harm. Chase is holding {$4400.00} of our money, and as a result, I am unable to pay for basic necessities like groceries and formula for my three small children. We have done everything asked of us and shown a high level of cooperation and transparency throughout this process, yet we are being punished for reasons outside of our control. 
I am beyond frustrated and angry. I have made countless attempts to resolve this situation speaking to one representative after another, explaining everything in detail, over and over, only to be met with indifference. It feels like no one is willing to help, take responsibility, or even listen. Every person Ive spoken to has been dismissive, passive, or quick to pass me off to the next department. 
It is XXXX  How is it possible that a major financial institution is relying solely on a single phone number verification as the only method to verify account ownership? There should be other, more reliable, and more flexible methods available especially when customers are going through extreme lengths to comply. 
This situation is unacceptable, and I expect immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This complaint is to follow up on the complaint I made in XXXX, Complaint # XXXX. I submit this urgent and formal appeal to the Consumer Financial Protection Bureau ( CFPB ), U.S. Bank ( Investor ), and all appropriate oversight entities, requesting immediate suspension of foreclosure activity, a comprehensive investigation into gross mortgage servicing errors, miscommunication, and mishandling of a permanent loan modification approved in XX/XX/XXXX by Mr. Cooper Mortgage Representatives, and reinstatement of my home loan under fair and compliant terms. These servicing failures by Mr. Cooper have violated my rights as a homeowner, borrower, and a person with a permanent XXXX under RESPA, TILA, the Americans with Disabilities Act ( ADA ), and CFPB mortgage servicing rules. At this time, I am seeking to modify the mortgage loan term and seek a workout plan or modification of my mortgage loan under fair, compliant terms, and a thorough investigation into the egregious misconduct by Mr. Cooper Mortgage and servicing parties acting on behalf of U.S. Bank ( Private Investor ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Dear Sir or Madam : I am writing to complain about deceptive trade practices committed by my mortgage company, Shellpoint Mortgage Servicing. I have been paying my mortgage to Shellpoint for some years now, and have not missed any payments or sent late payments. When I accessed my account online on XX/XX/year>, I received a message that it was inactive. Then the next day, XX/XX/year>, I received an escrow statement in the mail which showed my account to be active with no problems. However, my online account was still inactive whenever I tried to access it. I then attempted to contact Shellpoint directly, but failed completely. The answering machine would ask me to provide my information, then I would be transferred to an operator. I entered my loan number, my social security number, my phone number, and my address, and got the response that they could not authenticate my information ; then the answering machine would say goodbye, and hang up. The website stated I could email them regarding any problems at XXXX, and I sent them a detailed letter explaining my simple desire to pay my mortgage and the roadblocks they had thrown in my way. I never received a response from them, or even an acknowledgement that my email had been received. I am now convinced that this is a tactic of Shellpoint to accomplish two things : first, they want to rack up late fees and penalties on my account that they can use to demand more money from me than they are already receiving, and after that, to steal my house from me. I have had my loan transfer from one mortgage company to another in the past ; in these cases the existing mortgage company would inform me of the transfer about one month in advance, and the upcoming mortgage company would contact me to introduce themselves and verify that my information was correct. Shellpoint has just abandoned me with no way to contact them or to ensure that my account is current. I am requesting your help in investigating these deceptive and unethical business practices that present a genuine threat to my home. I have exhausted all attempts to contact Shellpoint and badly need your assistance in resolving this situation. Please give this matter your immediate attention before Shellpoint takes additional deceptive, unethical, and illegal action against me. Thank you for your consideration.

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