vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year>, my bank account was unexpectedly closed without prior notice. On the same day, I received a XXXX payment of {$200.00} from a New York University student who purchased my XXXX XXXX tickets. However, after my account was closed, the bank held my funds and has not released them to me. 

I was never provided with a reason for the account closure, nor was I given an approximate timeframe for when or if I would be able to access my money. I have attempted to contact the bank multiple times to resolve this issue, but I have not received a clear explanation or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My information was exposed in a recent data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed that there were several hard inquiries that I did not authorize. According to the FCRA ( Fair Credit Reporting Act ), I have the right to dispute inaccurate information on my credit report. I have also filed an identity theft report with the Federal Trade Commission regarding said inquiries. These inquiries include XXXX ( finance ) XXXX XXXX, XXXX XXXX ( bank ) XX/XX/XXXXXXXX XXXX ( bank ) XXXX XXXX, XXXX XXXX ( bank ) XX/XX/XXXX, XXXX XXXX ( bank ) XXXX XXXXXXXX XXXX XXXX ( bank ) XX/XX/XXXX, XXXX XXXX ( bank ) 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
In XX/XX/year> I moved across the country from XXXX XXXX to XXXX. I returned my rented XXXX equipment in XXXX XXXX, then ordered new equipment to my new XXXX address. When I arrived in XXXX, I discovered that the new equipment had been incorrectly shipped to XXXX XXXX. I spoke with XXXX customer service and they admitted to the mistake and ordered new equipment sent to my XXXX address. XXXX then charged me a {$150.00} " unreturned equipment '' fee for the equipment they incorrectly sent to my old XXXX XXXX address. I complained to XXXX customer service and they agreed to drop that charge. Over the next 8 months until now XXXX has repeatedly re-charged me the same {$150.00} and I have complained every time to get them to delete the charge. They tell me that it has been removed every time. However, they recently sent that {$150.00} incorrect charge to a collections agency and my credit score has dramatically fallen as a result. Again, I contacted XXXX customer service and they agreed again that the charge should be dropped and removed the charge from my XXXX account. But, they have still not removed the negative collections mark on my credit report with the credit bureaus. I have already disputed the charge with the collections agency and with the credit bureaus. But the collections agency told me it can't be dropped from my credit report until XXXX reports it as an incorrect charge to the credit bureaus. I am at a loss for what to do next because XXXX has not removed the negative collections mark and every time I call them they tell me they will do it but they don't actually do it. I have requested that they email me their confirmation that the charge has been dropped, in writing, but they simply don't send anything. I have always had a very high credit score but my credit report is still showing this one derogatory mark and my score is far lower than it should be.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Bank accounts were restricted on XX/XX/year>. I was told there is no limit to how long they will be frozen for. I have disputed charges from XXXX that were due to identity fraud and I have attached a police report for this. I had my phone and wallet stolen on XXXX and had some unfamiliar charges in my account that were disputed this month. Ally helps me by restricting my access to the accounts and funds within the account. I am unable to see or get updates on the dispute status. They are unable to tell me how long the accounts will be restricted for.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: FL

Complaint narrative:
My account randomly closed without explanation and Im unable to open another account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I had an existing student loan with Sofi Bank. In XXXX, I applied for student loan refinancing application. It was approved on XX/XX/XXXX. Its been more than 2 months. They have paid my old loan, funded a new loan, but the principal amount on the new loan is about {$15000.00} higher than what it is supposed to be. I have called them more than XXXX times about this so far. Every time they either put me on forever hold or write down a request. Today, when I called their customer care, they said they dont see any previous request and can write a new one. Then put me on hold forever. 

My loan amount on XX/XX/XXXX was ~ {$130000.00} per profile on their website. Since then, I made XXXX payments - XXXX worth ~ {$3500.00} and XXXX worth XXXX. All those payments can be seen on my profile, XXXX of which shows cancelled but that amount was never refunded to me. So effectively, my principal amount should be around {$120000.00} if you add the interest over 3 months as well. Today, my loan account shows a balance of {$130000.00}. I have made several calls but to no avail. Isnt this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have frequently asked this debt collector to stop pursuing the debt that is not mine and to stop fraudulently reporting this debt on my credit report. I demand that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I request the negative reported and charged off reports be removed from my Experian report. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that may be affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting this charge-offs, which raises questions about its validity. I am a veteran who served in combat in multiple countries, and I have been affected by a recent data breach that compromised my personal information. In light of these circumstances, I am requesting the removal of charge-off as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of this charge-off as well as all negative items.

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 2025-03-19 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: GA

Complaint narrative:
I am writing to dispute a charged-off account reported by XXXX XXXX XXXX across multiple credit reporting agencies. As the Trustee of the trust account associated with this debt and the Executor of the associated contract, I am demanding the immediate removal of this account from my credit report due to the inaccuracies and inconsistencies in the reporting. 

The account details and discrepancies across reporting agencies are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} ( Experian, Transunion ) ; {$13000.00} ( Equifax ) Account Balance : {$0.00} ( Experian, Transunion ) ; {$0.00} ( Equifax ) Last Reported : XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( Transunion ) ; XX/XX/XXXX ( Equifax ) Amount Past Due : {$0.00} Limit : {$0.00} Remarks : " Transferred to another lender '' ( Experian ) ; " Purchased by another lender '' ( Transunion ) ; " Charged off account '' ( Equifax ) Responsibility : Individual Account Past Due - 30 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 60 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 90 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) The reported inconsistencies are as follows : High Balance : There is a {$0.00} balance reported on Experian and TransUnion, yet {$13000.00} is reported on Equifax. 
Last Reported Dates : The dates of last reporting vary significantly between agencies, with Experian showing XX/XX/XXXX, TransUnion showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Past Due Information : The past due amounts across agencies differ in terms of the 30, 60, and 90-day periods, which is inconsistent and incorrect.

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 2025-03-19 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: GA

Complaint narrative:
I am writing to dispute a charged-off account reported by XXXX XXXX XXXX across multiple credit reporting agencies. As the Trustee of the trust account associated with this debt and the Executor of the associated contract, I am demanding the immediate removal of this account from my credit report due to the inaccuracies and inconsistencies in the reporting. 

The account details and discrepancies across reporting agencies are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} ( Experian, Transunion ) ; {$13000.00} ( Equifax ) Account Balance : {$0.00} ( Experian, Transunion ) ; {$0.00} ( Equifax ) Last Reported : XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( Transunion ) ; XX/XX/XXXX ( Equifax ) Amount Past Due : {$0.00} Limit : {$0.00} Remarks : " Transferred to another lender '' ( Experian ) ; " Purchased by another lender '' ( Transunion ) ; " Charged off account '' ( Equifax ) Responsibility : Individual Account Past Due - 30 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 60 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) Past Due - 90 Days : XXXX ( Experian ) ; XXXX ( Transunion ) ; XXXX ( Equifax ) The reported inconsistencies are as follows : High Balance : There is a {$0.00} balance reported on Experian and TransUnion, yet {$13000.00} is reported on Equifax. 
Last Reported Dates : The dates of last reporting vary significantly between agencies, with Experian showing XX/XX/XXXX, TransUnion showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Past Due Information : The past due amounts across agencies differ in terms of the 30, 60, and 90-day periods, which is inconsistent and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-19 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: TX

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account # XXXX This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.

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 2025-03-19 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: VA

Complaint narrative:
Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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