vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint regarding serious violations by JP Morgan Chase & Co., including breaches of fiduciary duty, mishandling of securities, and failure to respond to lawful requests for documentation. These violations have caused financial harm and undermine consumer confidence in fair banking practices. 
Details of the Incident 1. Tender of Security : On XX/XX/year>, I sent a security and instruction letter to JP Morgan Chase via Registered Mail ( Tracking No. XXXX ). The documents were received on XX/XX/year>. JP Morgan Chase did NOT perform according to the instructions provided. 
2. Request for Records : On XX/XX/year>, I formally requested records maintained in compliance with GAAP to clarify how the security was handled. JP Morgan Chase did NOT respond to this lawful request. 
3. Opportunity to Cure : On XX/XX/year>, I issued a final opportunity for JP Morgan Chase to resolve the matter amicably. This notice was also ignored by JP Morgan Chase. 
4. Certificate of Dishonor and Nonresponse : A notarized document issued on XX/XX/year>, by XXXX XXXX, detailing JP Morgan Chase 's failure to respond. 
5. Audit Findings : An audit revealed irregularities, including discrepancies in the transaction flow reported to the SEC and missing records from JP Morgan XXXX XXXX, which acted as Lead Manager for the bond in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Inaccurate personal information being reported that do not belong to me. 
The following addresses AND employers are being reported inaccurately : XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX EMPLOYERS : XX/XX/XXXXMY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Inaccurate personal information being reported that do not belong to me. 
The following addresses AND employers are being reported inaccurately : XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX EMPLOYERS : XX/XX/XXXXMY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX

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 2025-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: OH

Complaint narrative:
I purchased this property in XX/XX/XXXX, and at the beginning of XXXX, my monthly mortgage payment began increasing due to lender-placed insurance being added to my escrow account. Over time, my payment continued to rise until it reached {$1900.00} per month, even though my mortgage is only {$150000.00}. This increase has caused significant financial hardship, forcing me to work excessive overtime just to stay afloat. 

U.S. Bank never provided proper notification before adding this forced insurance, which I believe violates RESPA regulations requiring a 45-day notice and a 15-day follow-up before applying charges. I was not given the opportunity to secure my own insurance before U.S. Bank applied theirs. 

When I became aware that lender-placed insurance was the cause, I contacted U.S. Bank and requested proof that they properly notified me before adding this charge, a full escrow analysis explaining the increase, a cost breakdown of the forced insurance, and options to remove it and restore my lower mortgage payment. As of filing this complaint, I have not received a response. 

I am requesting that U.S. Bank remove the lender-placed insurance, allow me to provide my own insurance policy, and issue a full escrow review to determine if I have overpaid due to their actions. I also request reimbursement or credit for any excessive charges.

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 2025-02-09 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: FL

Complaint narrative:
Inaccuracy in the Account Status : the account was marked as " closed '' and I believe it was inaccurately reported or that the balance should have been updated differently. 

Discrepancy in Payment History : The payment history shows many " CO '' ( Charge-Off ) entries, which can significantly impact my credit score. This is are inaccurate.

Written-Off Balance : I want to clarify or dispute the " written off '' balance it was incorrect because the debt was paid or settled in a different manner. 

Dispute of XXXX XXXX XXXX  Account - Account Number : 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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I saw a bunch of fraudulent activities occurred on my checking account. There was a deposit and withdrawal for {$600.00} at an ATM in XXXX XXXX XXXX. There was a withdrawal for {$580.00} listed as " ATM PAYMENT TO XXXX XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX ''. I live about XXXX hours from that location and had my card the whole time. So I called Wells Fargo and they initially credited me the fund. However, after 2 months, Wells fargo claimed back the fund stating that because this was done on an ATM through XXXX and i said i had my card with me, they deemed it was my action. I requested that they checked their ATM cctv for potential evidence but they rejected me. I went in branch and asked the banker and they submitted a request to the XXXX department. They told me they will further investigate and contact in a few days. Weeks went by and still no contact. I called the number XXXX and they originally said XXXX is working on it. Then after another week, i called back and they said XXXX is now handling the case. Then i called back and said XXXX is working on it but out of office. Now I'm given an estimate of XX/XX/XXXX to get the decision. Why must I wait that long to get my money back from a fraudulent activity?

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My information was exposed during the recent data breach. I would like to dispute everything on 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 2025-02-09 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: NV

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute negative credit activity reported by Experian on my credit report. I recently reviewed my credit report and identified inaccurate and/or unfairly reported information that is negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, complete, and verifiable. I believe this negative activity is either incorrect, outdated, or unfairly reported. I have attempted to resolve this matter directly with Experian but have not received a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and take the necessary steps to ensure Experian corrects or removes the disputed information. Enclosed are copies of relevant supporting documents, including my correspondence with Experian and any proof that supports my claim. 

I appreciate your time and assistance in addressing this issue. Please keep me informed of any updates regarding my complaint

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 2025-02-09 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: CA

Complaint narrative:
XXXX XXXX XXXX : DATE OPENED XXXX XXXX, Account status pays as agreed. XXXX XXXX XXXX, Account number : XXXX, delete asap not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Regional Management Corporation
State: WI

Complaint narrative:
My credit information has breach and because of that there's loans credit card debts and other things that are not mine at all because my identity information has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 platforms, 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 ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I am filing a complaint against Chase Bank regarding an inaccurate credit card debt of {$11000.00} on my credit report. I have disputed this three times, yet Chase continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax I hope this letter finds you well Regarding Removal XXXX XXXX XXXX XXXX XXXX  ) charge off Please see my complaint on XX/XX/XXXX. Your response stated that the XXXX credit card is no longer on my report and therefore it has not been investigated. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is on my Equifax report. It was deleted from XXXX I had requested for the XXXX XXXX XXXX XXXX XXXX XXXX credit card to be investigated on XX/XX/XXXX and again in early XX/XX/XXXX. 
No investigation has ever been done. In fact Equifax stated that it didnt appear on my credit report it is long past due for doing the investigation and according to 15 USC not doing a reasonable investigation is a violation and the item should be promptly deleted The XXXX charge off still appears on my Equifax credit report, and I am requesting that it be deleted at once. It was deleted from my XXXX XXXX credit report and the information needs to be consistent across the reporting agencies. 
Please remove the item from my credit report to prevent me from taking further action over what appears to be an FCRA violation Please see my attachments which highlight in your letter where Equifax stated that the XXXX account was not on my credit report and then please see my Equifax credit report word absolutely is on my credit report Please also find a copy of my Social Security card and drivers license that I include on all of my correspondence Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are very unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it.

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice.

Provide proper validation and proof of the debt.

Violation ( s ) : [ List the specific violation ( s ) under 15 U.S.C. 1692g, such as : ] The collection agency failed to provide verification of the debt despite my formal request for validation on [ date ]. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 


I have already contacted the collection agency, requesting validation of the debt. To date, I have not received any response or evidence to verify that this debt is valid or even mine.

I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report.

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely,

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 2025-02-09 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: HW Holding, Inc
State: NY

Complaint narrative:
I reached out to XXXX XXXXXXXX XXXX about a collection in the amount of {$790.00} in XXXX XXXX I have never purchased anything from this company. It appeared on all XXXX credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I reached out to XXXXXXXX XXXX XXXX about a collection in the amount of {$790.00} in XX/XX/year>. I have never purchased anything from this company. It appeared on all 3 credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided.

Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national databreach and a Validation of debt Letter.

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 2025-02-09 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided.

Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national databreach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief