vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
I was a passenger on the XXXX XXXX XXXX. While on this cruise, I became sick and contracted XXXX and was required to obtain medical care. The cruise line did not submit their billing to my health insurance company nor to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I purchased at the same time as my original ticket purchase. Instead, they improperly billed my Chase Plus United Visa Card which I had utilized earlier to pay for the cruise. My credit card had a {$12000.00} credit limit, which already had a balance of {$12000.00}. On XX/XX/24, XXXX submitted a charge to my card of {$12000.00} which Chase should have denied because my card was already max 'd out and only had a {$12000.00} credit limit. The bill submitted by the XXXX XXXX XXXX was not authorized by me and should have been rejected by Chase. Instead, Chase went over my credit limit and paid the additional {$12000.00} charge without my prior approval. They are not billing me for charges I did not authorize, and for extending my credit line without my prior authorization or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Debt Holdings, LLC
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST National Debt Holdings Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear National Debt Holdings, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my Chase XXXX credit card on my XXXX account. I have autopay on and pay the full balance monthly and often don't see the full charges. However, I was reviewing my bill and noticed that for XXXX XXXX charges ( this is to be charged toward your credit limit ), they instead processed as cash advances, taking {$XXXX} transaction fees each time and charging a daily interest rate on all ( i.e paying my friend {$XXXX} for a coffee was processed as a cash advance and was charged a {$XXXX} transaction fee + interest ). I asked chase to clarify and they said this was XXXX 's doing and not their action. However, I have also used my XXXX card with XXXX and never been processed as a cash advance or with any transaction fees or interest ( though XXXX is a far better, consumer-friendly company ). Chase apologized and offered to refund XXXX of the transaction fees that would be reflected in my next statement cycle, though I see I have been charged {$XXXX} in these fees in XXXX  alone and am certain they've charged even more previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
Experian Has failed to properly Investigate inaccurate information being reported on my credit report, despite my efforts to resolve this directly with the reporting agency.it remain unresolved.I request immediate investigation and removal of inaccurate information being reported.

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 2025-03-05 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: FL

Complaint narrative:
I am filing this complaint because TransUnion continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet TransUnion refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. TransUnion 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, TransUnion is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, TransUnion is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that TransUnion immediately delete this account from my consumer report and take corrective action to ensure compliance with 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 2025-03-05 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:
FTC Report XXXX XXXX : I did not give Experian written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ******* ), Invalid and Unverified Debt ( FDCPA Violations ) : Under 15 U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I requested PMI removal from my mortgage account. Newrez requested a BPO evaluation to process the assessment. I consented to BPO and paid the required fee. BPO evaluation was completed and uploaded to my Newrez account XX/XX/XXXX and reflected an appraisal value that yielded 77 % LTV ratio. Newrez states the minimum LTV to remove PMI is 80 %- which this BPO supports. In XX/XX/XXXX, I received a letter from Newrez stating the request was denied, citing the LTV was not adequate. This conflicts with Newrez 's stated standard LTV requirement of 80 % - again my current LTV ( now 76 % ) exceeds this requirement. I requested, in writing multiple times, that the request be re-evaluated and have not received any communication back as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$21000.00} XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$21000.00}

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Funds were to be received back to originating bank that send the funds. 
Funds were deposited from cashapp to us bank account. Funds cant be deposited back to cashapp since cashapp is not a bank Its been 3months since account closure and money kept. 
It has has consequences on financial life. 
If money is not returned I will have to seek 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: SC

Complaint narrative:
I have a credit card with Elan Financial. My statement closed on the XXXX of XXXX. It's now the XXXX of XXXX and my XXXX closing balance of {$3300.00} has not been reported to the credit bureaus. My credit report still has {$7400.00} as my balance. That's a delta of over {$4000.00}. When I initially contacted Elan they told me that they had reported and it was the fault of the credit reporting agency. I came to find out that they haven't reported.

This is negatively impacting my credit score and keeping me from making credit moves for my family. I filed a dispute about my balance, with the credit bureau, Elan responded that my balance was correct. Even though they're still reporting my XX/XX/XXXX balance. 

I need help and I don't know where else to turn. Please help me.

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 2025-03-05 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: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX owed : {$4500.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2100.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$4700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX owed : {$4500.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2100.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$4700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}

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 2025-03-05 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$590.00} EXPERIAN INQUIRIES : XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent collection accounts have been repeatedly added to my credit report. Despite filing multiple disputes with the credit bureaus, the agencies have falsely " verified '' these debts without proof. 
Two collection agencies, XXXX XXXX and XXXX XXXX XXXX, are reporting the same debts at the same time, which is an FCRA violation : Fraudulent Account 1 : The XXXX ( {$42000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) Fraudulent Account 2 : XXXX XXXX XXXX ( {$60000.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX ) These collection agencies have failed to provide valid proof of debt ownership, and my FTC Identity Theft Report & Police Report were ignored in previous 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 2025-03-05 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: CA

Complaint narrative:
I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.

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 2025-03-05 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account # XXXX

Company response to consumer: Closed with non-monetary relief