vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Been seeing time to time suspicious activity on my account about a couple weeks ago and mentioned that I needed my account to be checked for suspicious activity and was at the time handled. 

However on, XXXX Received a message from Chase asking if I attempted to wire transfer money to someone and immediately I said no. Shorty after, received a call from someone from chase from the fraud department ( something along that ) and spoke in securing my account since its been hacked and to move my money to a safe account. Spoke to this person for about an hour. 

Was told to go to a local chase bank, talk to a clerk and withdraw money ( {$3600.00} ) and later deposit to a new account. 

Used XXXX XXXX  on phone to put in a secure bank account and passed on the money. 

Once done, the person I spoke to told me by XXXX ( today XXXX ) I will get a call back from him about this situation. 

As it later came to my attention that none of that shouldve occurred as I soon enough find out after speaking to an actual service representative that Ive been fooled into trusting the situation. 

I gave up {$3600.00} to a chase account I no longer have saved on the phone. Not sure how. Still have both number and text message I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XX/XX/XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have been a loyal American Express cardholder since XXXX maintaining multiple accounts in good standing. Recently, American Express abruptly closed all of my accounts without providing a clear explanation. Three of these accounts had their annual fees charged within the 30 days prior to closure. Specifically : Card ending in XXXX : Annual fee of {$690.00} charged on XXXX, account closed on XXXX the next business day. 
Card ending in XXXX : Annual fee of {$350.00} charged on XXXX, account closed on XXXX the next business day. 
Card ending in XXXX : Annual fee of {$690.00} charged on XX/XX/XXXX, account closed on XX/XX/XXXX. 
According to American Expresss stated policy, cardholders are eligible for a full refund of the annual fee if the account is closed within 30 days of the fee being assessed. 
Additionally, as a resident of Michigan, I am protected under state consumer protection laws, such as the Michigan Consumer Protection Act ( MCL 445.901 et seq. ), which prohibits unfair or deceptive business practices, including failing to honor refund policies.

Despite the closures being initiated by American Express, I have not received refunds for the annual fees on these three accounts, totaling {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a follow-up complaint related to a disputed charge of {$1700.00} on my American Express card . The original CFPB case number was XXXX. That complaint was closed based on inaccurate information provided by American Express, and I am requesting this new complaint be reviewed in full. 

The charge in question was for a 5-night apartment booking in XXXX made through Homes and XXXX by XXXX XXXX XXXX The property was advertised as peaceful and luxurious. However, upon check-in on XX/XX/year>, we discovered ongoing construction next door. On the morning of XX/XX/XXXX, we were woken up by loud industrial drilling and banging starting at XXXX AM. The neighboring building had scaffolding and a banner in French stating " XXXX XXXX XXXX XXXX '', which translates to " Businesses Open During Construction ''. This indicates the merchant knew of the construction but failed to disclose it at the time of booking. 

We left the apartment at XXXX XXXX  on XX/XX/XXXX. I made multiple calls to the host, XXXX of which went unanswered. I later had a XXXX call where the host acknowledged the issue but offered no resolution. That evening, we checked into another hotel and paid XXXX out of pocket. 

XXXX issued XXXX partial refunds of {$160.00} and {$540.00} without my consent. I rejected both in writing and continued to request a full refund. I submitted a dispute to Amex with all supporting evidence. Amex denied the dispute, citing the partial refunds. 

On XX/XX/year>, I contacted Amex via chat to escalate the matter. I was transferred to a supervisor who said she would review the case. I remained active in the chat for over XXXX minutes and sent multiple follow-up messages. My last message, sent at XXXX XXXX, stated I would proceed with a CFPB complaint. I received no response after that point. 

In their response to my original CFPB complaint, Amex falsely claimed that I became unresponsive during the chat. I am submitting the full chat transcript again, which proves that I stayed engaged and was the one who was ignored. This false claim by Amex directly led to the premature closure of my case. 

I am requesting a full refund of the remaining {$1000.00} that I paid for this misrepresented and uninhabitable stay. I have attached all supporting documents and transcripts again with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-07 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: CA

Complaint narrative:
Issue : Incorrect information on credit report/ Companys investigation was not thorough / Account was reported without proper validation or consideration. 

Describe what happened : XXXX falsely reported a financial obligation to consumer reporting agencies based on a contract it mischaracterized. 

XXXX stated in writing that no funds are provided at the start or end of a plan. If no consideration or funding occurred, then no lawful debt exists. Yet they reported a {$240.00} installment tradeline to credit bureaustriggering financial harm and misleading the record of my creditworthiness. 

When I demanded validation under FCRA 1681i and a full accounting under GAAP standards, XXXX failed to : Show any value or funds were exchanged, Disclose how the agreement was monetized or booked as a receivable, Demonstrate any lawful basis for repayment, Comply with TILA disclosure requirements.

This is a textbook example of : TILA violations ( 15 U.S.C. 1601 et seq. ), FCRA violations ( 15 U.S.C. 1681i ), FDCPA violations ( 15 U.S.C. 1692a ( 5 ) ), UCC 3-303 ( b ) ( no value given ), And potentially 18 U.S.C. 892894 for creating extortionate credit claims with no legal basis. 

XXXX also attempted to collect by offering a {$200.00} settlement without validating the debt. That offer constituted a deceptive act implying that the reporting would improve in exchange for unverified paymentthis violates federal consumer law. 

I request the following resolution : 1. Removal of the XXXX tradeline from all consumer credit reporting agencies ; 2. A complete accounting under GAAP and FASB showing all ledger entries and origination details ; 3. Acknowledgment that no valid debt exists due to lack of consideration ; 4. Cessation of deceptive and misleading collection practices.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - I received an alert from my credit monitoring service that a new loan account was opened and added to my Transunion credit report. I contacted XXXX XXXX number to see what to do. Was transferred to Restoration Department. The representative said she pulled my credit report. After she reviewed I was told to contact Transunion & /or the Department of Education as this doesn't appear on my XXXX  report and she can only view XXXX. I went to TransUnion website and checked my account, pulled my credit report and got the number to the Department of Education. I Called the DEPT OF ED/XXXX XXXXXXXX number. The representative said she will send me some forms so they can open an investigation. Representative stated it was a new account, in my name as the active student. The account had an old address. I was also told I need to file a police report, which I did with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Department. This process took several days to actually complete due to them needing me to collect information. Incidentally, all 3 credit bureaus had a freeze on the account to prevent fraud and the loan was granted anyway. 
XX/XX/XXXX - Received the letter and forms from XXXX to complete the fraud/forgery report. I called XXXX because there was no detail about the loan and the representative recommended I take control of the account at XXXX. I did this and was able to download and save many of the originating documents. I found the impersonator attempted getting student loans at XXXX XXXX XXXX XXXX and the XXXX  XXXX XXXX. These loans had a phone number, email address that was used, and references used when applying for the loan. None of the references were anyone I knew. I provided all this information to the XXXX deputy assigned to my case who created a report. 
XX/XX/XXXX - After waiting for the report to be complete and being denied a copy of the report ( I was allowed a copy of the " face page '' ) I decided to also report this at 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 non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
My account with EQUIFAX XXXX XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX  TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XX/XX/XXXX, and financed it through Credit Acceptance Corporation. The vehicle had serious mechanical issues almost immediately, including a broken suspension, axle failure, and now a failing transmission. 

I paid nearly {$3000.00} for a warranty that failed to cover these major issues. I submitted repair receipts and a formal dispute, and requested cancellation or loan adjustment. Credit Acceptance refused and is now pressuring me for payment and threatening collections.

Ive filed a complaint with the Ohio Attorney General, and Im asking the CFPB to investigate this case for predatory lending, misrepresentation, and warranty failure.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Alanta XXXX RESURGENT/ LVNV FUNDING LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  The inaccurate information being uploaded by the three bereaus are causing life threatening affects to myself and my family 's livelihood, I'm unable to get credit. I sent numerous letters out to XXXX XXXX and XXXX XXXX to dispute and get these accounts removed and every letter I sent they responded by saying under investigation, and then I later received letters from the bureaus stating either they determined that the data furnished had verified the reported information or proof of my mailing address, it appears that the mail I notarized was not sent by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
I have paid my full principle and my balances show I owe more than I borrowed. Mohela ignores my requests for details.

Company response to consumer: Closed with explanation