vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Urgent : Unlawful Withholding of $ XXXX Undisputed Funds over a {$300.00} Dispute To whom it may concern, I am filing this formal complaint against Capital One regarding my accounts ending in XXXX and the account ending in XXXX. 
Capital One has closed my accounts and has already debited the total balance of {$46000.00} ( {$44000.00} from XXXX account and {$2200.00} from the other ). However, the bank refuses to mail me the check for my funds. 
They claim they will hold my entire life savings of over {$46000.00} until a minor fraud dispute of {$300.00} ( related to an unauthorized XXXX transaction reported on XX/XX/XXXX ) is fully resolved. 
This action is predatory and unlawful. Under federal banking standards, a financial institution has no legal right to withhold undisputed funds that are not part of an investigation. Holding {$46000.00} hostage over a {$300.00} dispute ( which represents less than 1 % of the total balance ) is a gross violation of banking practices and is causing me extreme financial hardship. I am currently unable to pay for my basic needs because Capital One is keeping my money without justification. 
I demand the following : 1. The immediate issuance and mailing of a Cashier 's Check for my undisputed balance ( approximately {$45000.00} ).

2. A tracking number for said check provided via phone or email immediately.

3. Expedited resolution of the {$300.00} XXXX dispute. 
I have already attempted to resolve this over the phone, and the banks refusal to release my undisputed property has forced me to escalate this to the CFPB and the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$15000.00} XXXX  XXXX, XX/XX/XXXX, Balance : {$160.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$14000.00} Inquiries : [ No inquiries listed ] Late Payments : [ No late payments listed ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am no longer working so I contacted a debt consolidation company XXXX and composed agreements to all my credit card companies. I am having issues with XXXX Bank and its affecting my XXXX XXXX in a negative way.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am submitting this complaint regarding the reporting of XXXX XXXX late payments on my Apple Card account with Goldman Sachs Bank USA XXXX 

I acknowledge that these payments were late due to an oversight involving a very small balance. Once I became aware of the issue, I immediately paid the balance in full and brought the account current before it progressed to a XXXX delinquency. The account now reflects a XXXX balance, and XXXX has been enabled to prevent any recurrence. 

I contacted Apple Card support to request a goodwill adjustment and was informed that goodwill removals could not be processed through standard support channels. 

I am respectfully requesting that Goldman Sachs XXXX my account history and consider a one-time goodwill removal of the reported late payments, based on the small balance involved, my corrective actions, and my overall responsible use of credit. 

I am not disputing the accuracy of the reporting, but requesting a goodwill reconsideration. 

Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency XXXX only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This mortgage servicing company has taken funds form our escrow account and paid XXXX items XXXX. Real estate ( property tax ) tax on XX/XX/XXXX, over XXXX XXXX dolalrs, never received by the taxing authority as of XX/XX/XXXX, 24 days later. XXXX. Our homeowners insurance policy payment of {$980.00} was deducted from our escrow account on XX/XX/XXXX, and this insitituion stares that they mailed payment to our insurance XXXX on that date. XXXX WEEKS later, on XX/XX/XXXX, that payment has not been recieved, I jsut confirmed this. I was just told by a XXXX at the XXXX XXXX 's mortgage servicer that a XXXX that refused to get on the phone with jme said to XXXX XXXX that it takes 30 days for payments to process. That is as lie. I have mortgages with escrow accounts at XXXX other mortgage companies and my bills are received within XXXX or 3 days of payments made from my escrow accounts. My homeowners insurance will be cancelled on XX/XX/XXXX if XXXX XXXX received. I paid this bill myself prior to closing on XX/XX/XXXX, and then these inconpetent people paid it a second time even though the bill was paid in advance, and they had a paid reciept. I had to wait several months for a refund. Now, XXXX year later, they aren't paying the bill at all. They are totally incompetent and they've LOST moy money and I can't afford to pay those bills myself becuase all ofmy money for them is inthe escrow accounts that XXXX LOST. Please help.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I asked to cancel this card. 
XXXX not sure why it was still opened and out on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX unauthorized debit card transactions totaling approximately {$22000.00} from a single merchant, XXXX XXXX. I did not authorize any of these transactions and have no relationship with this merchant. 

My debit card was in my possession at all times, and I did not make, approve, or benefit from any of these purchases. I did not give permission to anyone to use my debit card or online banking. 

I reported the fraud promptly to Wells Fargo and filed a formal claim. Due to the volume of transactions, the single merchant involved, and the rapid pattern of charges, this activity is clearly unauthorized electronic fund transfers. 

My concern is ensuring Wells Fargo fully complies with Regulation E, including proper investigation, timely handling, and issuance of provisional credit while the claim is under review.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The CAP ONE account is being reported inaccurately as a collection. This account was paid in full and has a zero balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a zero balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account I.C. SYSTEM, INC number XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account has been closed and I was falsely accused of gambling. I live in the state of XXXX  and gambling is not legal here. I sent family and friends money for XXXX and XXXX XXXX because thats what I do every year and I have been falsely accused of gambling which I do not gamble because I am a XXXX on top of that. They also suspended my account to where I can not transfer my funds out right now. Everyone that I send money to work family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$26.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$170.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$23.00} XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$4200.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$3400.00} Inquiries : 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

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Consumer Financial Protection Bureau Complaint Submission I am submitting this complaint regarding JPMorgan Chase Bank, N.A., the servicer of my mortgage loan, for failure to properly apply the XXXX XXXX XXXX XXXX waterfall, resulting in a loan modification that does not meet required program standards. 

Borrower : XXXX XXXX Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Summary of the Issue Chase offered me a XXXX XXXX XXXX XXXX that extended my loan to a new 40-year term and increased my unpaid principal balance, yet failed to achieve the required payment reduction target and did not apply principal forbearance, despite it being the only remaining available option under the program waterfall. 

Key Facts Pre-modification principal and interest ( P & I ) payment : {$1500.00} Post-modification P & I payment offered by Chase : {$1300.00} Actual payment reduction : approximately 11.9 % Required XXXX XXXX XXXX XXXX payment reduction target : approximately 20 % Loan term already extended to the maximum 40 years Unpaid principal balance increased from {$200000.00} to {$210000.00} Despite extending the loan to the maximum allowable term, the required payment reduction target was not met. Under XXXX XXXX XXXX XXXX requirements, when the payment reduction target is not achieved after applying prior steps, the servicer must evaluate and apply principal forbearance, subject to eligibility criteria. 

Chase did not apply principal forbearance and has not provided a clear explanation or documentation demonstrating why the modification waterfall was stopped prior to that step. 

Requested Resolution I respectfully request that the CFPB require Chase to : Provide a written explanation of how the XXXX XXXX payment reduction target was calculated Disclose the pre- and post-modification P & I payments used in its determination Provide the post-modification MTMLTV calculation Explain why principal forbearance was not evaluated or applied despite the payment reduction target not being met Conduct a full, compliant review of my loan modification under XXXX XXXX XXXX XXXX XXXX Impact My income as a real estate agent has significantly declined, and I continue to experience financial hardship. The current modification does not provide the relief required under the program and increases my long-term financial burden by capitalizing additional balance without achieving the required affordability standard. 

I am requesting CFPB assistance to ensure my mortgage servicer complies with applicable XXXX XXXX servicing requirements and provides a lawful, properly calculated modification. 

Thank you for your review of this matter. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
In XX/XX/year>, I changed insurance companies from XXXX XXXX XXXX XXXX When I signed up for the new insurance, I called the mortgage company because my payment is impounded in my mortgage payment. They told me everything was in order. I also let the insurance company know about my mortgage, so that they would file everything correctly. I was assured by both parties that everything was in order. I even asked the new insurance company to make sure that all the coverage was exactly the same so that there would be no issues. 
Now, I received a letter from the mortgage company, telling me that I don't have insurance and that if I don't purchase insurance, they will do it for me and that it will cost more if I don't buy it myself. 
I called the insurance company and they assured me that everything was in order. I also sent an additional copy of my insurance policy to the mortgage company. Neither of them will contact each other. I am stuck in the middle!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion replied to previous complaint that the information came back verified. When submitting a complete and accurate Identity Theft report is not suppose to be handled has a regular dispute under FCRA section 605B. I submitted the required documentation to initiate a block request for the fraudulent accounts. XXXX and XXXX  are not reporting these fraudulent accounts so how are they verified? Each credit bureau should be reporting the same thing. Accurate and verifiable information under section 611 15 U.S.C. section 1681. I am providing proof of identity theft and my intent to sue if this is not resolved immediately

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief