vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX, I received communication from a debt management company by the name of XXXX XXXX XXXX XXXX in reference to a credit card balance owed to JP Morgan Chase. This notification was to inform me of a settlement offered by Chase to settle the balance on a credit card I had with them. I responded to Client Services to accept the settlement offer and arrange a payment which I made in full in XXXX of XXXX. I have since been unsuccessful in getting Chase to report that the balance is settled to the credit bureas. I have disputed this debt several times, attaching a letter I received from Chase confirming that the account is settled and the balance will be cleared, all of these disputes were denied by all three bureaus. Chase refuses to update my report and I am requesting that the debt either be removed from my credit report or my money returned to me if they changed their mind about the settlement and we can discuss another option to handle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was sent a XXXX letter stating my AmEX Platinum Delta Credit was canceled do to abusive language to their representatives. 

I made two phone calls asking for resolution and they stated this was permanent cancellation. 

The only recourse they gave was to subpoena for the information that caused the cancellation. They would not tell me if I where the subpoena should be sent they would not provide me the information. 

I have attached the letter from AmEx dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My truck had a check engine light and it needed to be checked and repaired and so I called the XXXX XXXX XXXX XXXX to perform a diagnostics and repairs on it. 
The XXXX was able to get the codes cleared without replacing any parts and said that everything is ok. Charged me {$530.00} for this service and I paid and left. 
Few hours later the same issues came again and upon calling the repair shop they wouldn't offer any help!!! 
I called Chase Bank to inform them about this issue and asked them to get my money back from the merchant. 
They issued a temporary credid and within a month they reversed the money back and closed the case. 
This isn't the first time chase bank claims department has done something like this to me. 
I have nothing but a horrible experience to share about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
I've tried for several days now to get funds sent to me do to an emergency, and all I'm told is they're working on it and will update as it progresses. Nothing has been fixed, no communication on what's going on. Least of all what the problem is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, Equifax XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the XXXX Administrations relief measures. 

Account Details : XXXX XXXX Name : XXXX of XXXX Account XXXX : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period. 

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information. 

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted. 

Failure to Conduct Proper Investigation 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be removed from my credit report. 

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : Immediate deletion of the incorrect late payment or derogatory account information from my credit report. 

Written confirmation that the disputed account has been corrected or removed. 

Reissuance of my corrected credit report showing the removal of the negative mark. 

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of XXXX XXXX loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Requirement E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I went to a dealerships to try trade in my car it happen the beginning of last year but I didnt recognize they ran my credit over XXXX times and cause my score to plummet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
MOHELA withdrew unauthorized funds during a federal forbearance period. 
This was during XX/XX/XXXX until XX/XX/XXXX. 
MOHELA has failed to issue a refund for still and it is XX/XX/XXXX. 
MOHELA is misdirecting my case by blaming the U.S. Treasury instead of taking responsibility as my servicer. 
I have filed multiple complaints with MOHELA and the XXXX XXXX, yet no resolution has been reached. The XXXX XXXX tells me to contact MOHELA, and MOHELA tells me to contact the treasury. 
MOHELA does not return my calls, MOHELA disconnects me when they transfer me to a supervisor, wait times are over XXXX and XXXX hours with a disconnection always. 
I demand an immediate refund and investigation into MOHELAs handling of PSLF-related payments and refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
On XXXX XX/XX/XXXX XXXX stated that Indebted owned account. 

On XXXX XX/XX/XXXX XXXX closed account. 

On XXXX XX/XX/XXXX first source claimed to own previously closed account. 

The account ownership is clearly being tossed around without an update of purchased amount as well as the account closer being ignored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
I received a debit card from the organization CashApp no XX/XX/XXXX. I do not have a cashapp account, nor have I attempted to open XXXX. I contacted CashApp onthe XXXX, and informed them of such. They said they would send me an email ( which they did ), asking for additional details and and upload of an image of the card ( which I provided ) and I would hear from a member of their fraud team soon to confirm and close the account. I have not heard from them since the upload. I have written them on XXXX other occasions to obtain confirmation, that they have closed the account created from my stolen identity. I have been unable to get them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past XXXX months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXX Bank XXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ).

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX Funding and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to XXXX years from the date of first delinquency ( DOFD ). 

15 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall XXXX bureaus have failed to comply. 
15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my XXXX months of disputes.

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 2025-01-29 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-29 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

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 2025-01-29 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: TX

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 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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