vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am writing to file a complaint against Chase bank. On XX/XX/XXXX, Chase closed my account without providing a reason and informed me that I would receive my funds on XX/XX/XXXX, after a XXXX day waiting period. However, when I visited the bank, I was told that a check would be mailed to me instead. 
Chase split my funds into three parts : {$4200.00} ( which was mailed to me ), {$3800.00}, and {$1700.00}. Chase is currently holding the latter two amounts, despite me providing all necessary information and contacts for verification. This includes checks payable to my business, and checks related to XXXX XXXX ( which is me ). Chase is refusing to contact the numbers I have provided and has not given me an estimated timeline for resolution. 
I have tried to resolve this issue with Chase, but their agents have been unhelpful and uncooperative. This situation is causing me significant financial hardship and distress. 
I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, XXXX, and XXXX, Inc. ( commonly known as XXXX XXXX ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, XXXX XXXX. repeatedly responds within 24 hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, Experian, XXXX, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I respectfully request that the CFPB take immediate action to ensure that all parties involvedExperian, XXXX, XXXX, and XXXX, XXXX.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.

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 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Account belongs to someone else. Im not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Missed XXXX payment and company had called from XXXX  XXXX, KS phone number and when I dont answer that they call with no caller id. I have answered the phone but person sounded foreign and didnt sound like from company due to not introducing self and what company from. Between XXXX EST on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. @ XXXX EST, they have have called 8 times and they will not leave a message any time they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have an account on my credit report with XXXX XXXX XXXX  that i '' ve tried to disputed a number of times and it keeps coming back verified without a proper investigation after i provide all proper documention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: GA

Complaint narrative:
I have never missed a payment during the entire time Ive had loan and company states that payment to insurance was sent on XX/XX/year> yet they have sent several communications stating that unless I can show proof of insurance theyre going to place forced ( and more expensive ) insurance onto my property. Additionally this potential lapse negatively impacts my financial future by increasing my risk level and additional costs on future consumer insurance policies. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am writing to formally dispute information that I believe is inaccurate or incomplete on my credit report. I am requesting that you investigate the following entries in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs the permissible purposes for which a credit report may be accessed. 

Under the provisions of 15 U.S. Code 1681b, credit reports can only be accessed for specific purposes, such as for a legitimate business need in connection with a credit transaction, insurance underwriting, employment, or other purposes specified by law. I believe the entry in question does not meet these criteria or was reported in error. 

The specific information I am disputing is : Tennessee Child Support I pay very week

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 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to express my deep frustration and seek assistance regarding the ongoing issues I have faced with Wells Fargo Home Mortgage since XXXX. Despite contacting the Consumer Financial Protection Bureau ( CFPB ) twelve times over the years, including the most recent cases ( XXXX on XXXX and XXXX on XXXX ), my concerns remain unresolved. 
The situation began when I informed Wells Fargo of my layoff after over 20 years of employment. I was advised by their representative, XXXX XXXX, to enter a 12-month forbearance plan. He assured me that after this period, I could resume my original mortgage payments, with the deferred amount added to the end of my loan through a modification. I informed XXXX XXXX of my new employment and received a copy of this agreement. However, upon making my first payment post-forbearance, it was returned with a letter stating that partial payments were not accepted. Attempts to contact XXXX XXXX revealed he was no longer with the company. 
Subsequently, Wells Fargo altered the terms of the agreement without my consent, misrepresented my income to suggest I couldnt afford the payments, and dismissed my grievances. Interactions with their staff, particularly an individual named XXXX, were met with rudeness and accusations. Despite repeatedly bringing these issues to the attention, my complaints were merely forwarded back to Wells Fargo, resulting in no meaningful resolution. 
As of XX/XX/XXXX, I have not received any response from Wells Fargo. Their actions have led to my family homelessness, and the wrongful foreclosure remains on my credit report, hindering my ability to secure housing. The CFPB has not taken effective measures to address or rectify this situation, nor has Wells Fargo been held accountable. While there have been reports of Wells Fargo compensating affected individuals, many, like myself, lack the resources to pursue legal action and have been left without recourse. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
Western Shamrock has made repeated harassing phone calls regarding my debt with my references. 

The manager is extremely abusive, verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is not properly investigating my complaint and fraudulently verifying my complaint against the law My information was breached by the negligence therefore all negative information must be removed immediately. 
I was issued a check from Equifax due to this breach yet they refuse to remove these accounts. 
These are the things that need be removed immediately if not I will file a lawsuit 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX regarding the inaccurate reporting of a paid-off account on my credit report. I fully paid off my account with XXXX XXXX XXXX, yet they have failed to update my credit report to reflect the correct status. 

I have made efforts with customer service to have this issue resolved, but I have had no luck. I am requesting that XXXX XXXX XXXX be required to promptly update the account status on my credit report to accurately reflect that it has been paid in full. I also request that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) to prevent further harm to my credit.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX regarding the inaccurate reporting of a paid-off account on my credit report. I fully paid off my account with XXXX XXXX XXXX, yet they have failed to update my credit report to reflect the correct status. 

I have made efforts with customer service to have this issue resolved, but I have had no luck. I am requesting that XXXX XXXX XXXX be required to promptly update the account status on my credit report to accurately reflect that it has been paid in full. I also request that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) to prevent further harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 I seek appropriate redress of these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Equifax. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency. 

The specific item in question is listed as a negative entry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
I'm having things reported on my credit that do not belong to me, and it's impacting my credit and my life

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 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
In XX/XX/year>, I was contacted by Genesis ( Columbia Debt Recovery LLC, website : XXXX XXXX XXXX ) regarding a {$19000.00} debt I supposedly owed for an apartment lease in a state I have never lived in. In the initial call, I indicated this was the result of identity theft. I promptly sent the requested information to Genesis that include proof of my actual residence ( property tax statement ), pictures of my driver 's license, police reports, and FTC identity theft submission. They continue to call me indicating this debt is mine and claim they do not have the information I submitted to them. The individuals from Genesis on the phone are rude and condescending. When I offered to immediately re-send them the requested information, they gave me an email address and then immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit card approved without interest rate and Credit card limit raise without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Kikoff Inc.
State: GA

Complaint narrative:
According to the fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the urgent removal of a public record from my credit report that I believe was improperly verified and reported as a result of insufficient investigation by the credit bureaus. The inclusion of this public record, specifically related to bankruptcy information, is negatively impacting my creditworthiness and financial opportunities. 

On XX/XX/XXXX, I sent certified letters to each credit bureau requesting the following critical information regarding their verification process for bankruptcy data before it is included in consumer reports : 1. **Sources Used for Verification : ** I requested that the credit bureaus specify the sources they utilize to verify bankruptcy information, including any databases or public records consulted prior to reporting.

2. **Identity Confirmation : ** I inquired about the methods employed to confirm the identity of the individual associated with the bankruptcy record.

3. **Verification of Social Security Number : ** I specifically asked whether the social security number ( SSN ) tied to the bankruptcy was verified. If the SSN was not verified, I requested an explanation of how the credit bureau ensured the accuracy of the bankruptcy information without this essential verifier.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. Section 607 ( b ) of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report containing inaccurate information. Furthermore, Section 611 gives consumers the right to dispute inaccurate or incomplete information, obligating the agency to conduct a reasonable investigation of such disputes.

The lack of thorough verification and the absence of the requested documentation raise significant concerns about the accuracy of the public record in question. Given that I did not receive satisfactory responses to my inquiries, it is evident that the reporting agency failed to meet the standards of due diligence required by the FCRA.

For these reasons, I respectfully request that the CFPB investigate this matter thoroughly and facilitate the immediate removal of this public record from my credit report. The presence of this record, based on insufficient verification, is unjust and detrimental to my financial health. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with explanation