vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Chase Bank to confirm the payment details related to my credit card, particularly regarding a balance transfer offer. I was explicitly informed by the representative that the full balance would not be deducted from my account and that I had until XX/XX/XXXX to pay off the transferred balance. Acting on this assurance, I made a manual payment {$200.00} to cover any fees and charges on the statement due date.

However, on the statement due date, Chase incorrectly deducted the entire balance {$2900.00} due from my account, resulting in an overdraft as I did not have sufficient funds to cover this unexpected withdrawal. 

On XX/XX/XXXX, I contacted Chase to report this issue. The first representative I spoke with was dismissive and unhelpful, prompting me to escalate the matter. Another representative assured me that a request to reverse the deduction had been submitted and that the funds would be credited back to my account within 24 hours.

Despite this assurance, no reversal occurred. 

On XX/XX/XXXX, I followed up with Chase again. The initial representative spent 30 minutes trying to locate the details of my request but was unable to provide any clarity. After additional escalation, I was informed that two separate requests had been submitted, but the process remained unclear and inconsistent.

Throughout this ordeal, I received conflicting information from multiple representatives, none of whom were able to provide a clear or timely resolution. Additionally, I was informed that there was no escalation process available for customers and that I would need to wait for Chase 's internal processes to address the issue, regardless of the financial hardship this caused me.

As of now, the issue remains unresolved, and the funds have not been returned to my account. This has caused significant financial and emotional stress, as well as additional charges due to the overdraft caused by Chases error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company is attempting to collect a debt and reporting inaccurate information to credit agencies. Company is unrecognized by consumer. This company has private information. I don't know if they are selling my information for a profit. i did not give this company any recognition or permission to use any information of my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Transunion credit report. I did not authorize these entities to access my credit file, nor do I have any existing relationship or prior knowledge of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Transunion credit report. I did not authorize these entities to access my credit file, nor do I have any existing relationship or prior knowledge of these companies.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year> On XX/XX/year> I sent {$900.00} to my son, XXXX XXXX, via XXXX XXXX. He in return sent it back immediately because he didn't need it. Then XXXX XXXX only sent me back only {$820.00} so I contacted them and Truist Bank letting them know that I was still owed {$80.00}. When I deposited the {$820.00} XXXX XXXX took their fee of {$14.00}. 

I scheduled a meeting with Branch Manager, XXXX XXXX, in XXXX, NC on XX/XX/year> where I submitted copies of all these transactions to her via email. On XX/XX/year> I received email from Truist with Claim # XXXX stating that " ... during the course of our investigation, we have determined with respect to the above reference amount that the amount ( s ) has been credited by the merchant ''.

I say that no investigation was done! Anyone with any knowledge of math can see that I was not credited back my {$80.00}! I am no longer going to deal with XXXX XXXX after this and I will be using XXXX, if I stay with Truist. 

If you need any of these documents concerning this matter, please email me at XXXX @ gmail or contact me at XXXX as it seems that I can not attach emails or pic.s. 
In Sincerity, 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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
A company called Jefferson Capital is contacting me stating that the purchased an old debt. I do not owe any creditors and this information is erroneous. They contacted me on XX/XX/year> via email and did not provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally demand the immediate reinstatement of the funds wrongfully reversed by Wells Fargo in connection to a recent dispute involving defective merchandise received from XXXX. I purchased XXXX pairs of shoes, all of which arrived damaged, ripped, and drawn uponcompletely not as described. I reported this to Wells Fargo in good faith, expecting the protections afforded to me as a cardholder under federal law. 

Instead, your institution has illegally reversed the funds, leaving my account in the negative. Let me be absolutely clear : this is unacceptable and may constitute a violation of the Fair Credit Billing Act ( XXXX XXXX XXXX XXXX ), which mandates that consumers are not liable for charges on merchandise that is not delivered as agreed. I fulfilled my duty by filing a proper dispute. Your responseclaiming you can not contact XXXX a gross neglect of your responsibility as a financial institution. 

eBays policies and your internal limitations are irrelevantmy transaction was through your bank, and I reported that the items were defective. The items were clearly not as described, and you are legally obligated to protect my rights. Failure to do so amounts to negligence and potential bad faith handling of 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 monetary relief
Consumer complaint received 2025-04-17 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: MA

Complaint narrative:
This is Reference to privous Complaint Submitted today XX/XX/XXXX I Discovered today I am suppose to have XXXX XXXX. Now scent this Has forced me to Destitution by means of Identity Theft, Faslsifying numbers and having XXXX 's of Lender 's contacting me, Taunting me as she/he ruins my Excellrnt Credit and life. This person has done this Before but now they are messing a wounded nad very senior. 

This Disputes Department has Committee Federal Crimes from XXXX XXXX XXXX to XXXX and XXXX and the Small Business not to what this person on XXXXXXXX XXXX XXXX Platform erased my identity so that No one there help after I had XXXX offers.They laughed Ex [ erian pulled XXXX  in all over the internet of me being an Authentic and this person did thsamething to me. XXXX XXXX my privacy and all. 

The Damage that has been done to me is Despicable you all can try to claim it is a scammer or hacker those to names are not able in this. This person had the Audacity to Erase XXXX years of my credit report XXXX and XXXX, like they had a lincense to do this. This is being even before all of this evidence gets into the hands of the FBI. 

This is what I also am Requesting to Communicate by XXXX  with A Com [ XXXX Offier. 
One situation is so Dangerous and Discriminating .I Request to Speak with Officer. 
This also needs to be on every Screen in XXXX so that this never happens to another human being. 
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 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
In XX/XX/XXXX, I discovered several unauthorized purchases made through my Affirm account without my authorization. The transactions totaled approximately {$1300.00}. These purchases were made in Florida, while I have been residing in XXXX XXXX since XXXX. I immediately contacted Affirm and disputed the charges, providing evidence including screenshots, transaction history, and proof that the payment methods used did not belong to me. Despite submitting all requests documentation, Affirm closed their investigation and assigned responsibility to me without properly verifying critical account details. As a result, my credit report has been negatively impacted. I respectfully request that the CFPB assist in requiring Affirm to remove the fraudulent accounts and correct any resulting harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX. a transaction was done at a XXXX and XXXX XXXX XXXX. The company the debit company skylight I notified them the next day I had noticed on my app that the transaction was taken place they have done an investigation and told me that it was a valid transaction how could it be a valid transaction when I live in XXXX Florida I am looking to resolve this transaction and to get my money back the amount was {$1000.00} on that day I was paid at XXXX and the money was taken out at XXXXXXXX XXXX. I did not receive a notification of the transaction all transactions on my phone any transactions that would made I would receive on my phone I did not receive a transaction of {$1000.00} on my phone I received the deposit from my company of my pay and the last transaction I had was at XXXX I had received a email somebody was trying to use my debit card or my debit number at a steakhouse I denied it I checked on my app and saw that somebody had shopped at Target and spent {$1000.00} of my money skylight does not want to credit my account for that amount I still have not received the dispute they told me 7 to 10 days so now almost a month later I am out {$1000.00} because somebody decided to use my numbers from my debit card and take two weeks of my pay I am a XXXX  XXXX XXXX XXXX working trying to get by and somebody steals my money and a debit company will not credit my account

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 2025-04-17 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: NJ

Complaint narrative:
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. I did not give permission for these hard inquiries. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, inquiries must have a permissible purpose and consumer consent. Since no such consent was given, I demand the immediate removal of these unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I was denied credit on the basis on XXXX XXXXXXXX violating my rights. They violated 1681s-2 ( b ) ( 1 ) by stating dispute resolved. They are in violation of my FCRA rights and punitive damages will be recovered under 15 USC 1681n ( 1 ) ( A ) damages can exceed {$100.00} - XXXX for each violation according to FCRA. They violated FDCPA by willfully and knowing put misleading information on my credit report. 

I am requesting immediate deletion of this company off my credit report for violating FCRA & FDCPA violations.

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 2025-04-17 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: CA

Complaint narrative:
I was denied credit on the basis on XXXX XXXXXXXX violating my rights. They violated 1681s-2 ( b ) ( 1 ) by stating dispute resolved. They are in violation of my FCRA rights and punitive damages will be recovered under 15 USC 1681n ( 1 ) ( A ) damages can exceed {$100.00} - XXXX for each violation according to FCRA. They violated FDCPA by willfully and knowing put misleading information on my credit report. 

I am requesting immediate deletion of this company off my credit report for violating FCRA & FDCPA violations.

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 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
I went to XXXX XXXX  XXXX XXXX XXXX in XXXX Ohio on XX/XX/year> while I was covered under Ohio XXXX. I keep getting this bill or collections that I owe this amount of {$3000.00} I have contacted Ohio XXXX in XXXX Ohio numerous times and spoke with representatives from Ohio XXXX XXXX and been in a XXXX way call with XXXX XXXX which confirmed with the state representative which was also on phone that I was covered. This has been going on for XXXX years now that I do not owe this money that XXXX told by XXXX itll be taken care of, but I keep getting collections letters weeks or months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Failing to Conduct Proper Investigations. I am filing this complaint because my information was expose in the data breach Equifax has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Equifax failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically Equifax has failed to notify me of the methods used to verify the disputed accounts. Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation, as required by law. I request that the Consumer Financial Protection Bureau intervene to ensure that Equifax adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts. Written documentation of the verification methods used. Immediate deletion of any unverifiable or inaccurate information. Equifax neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The card was never activated and has no charges. I requested account closure and removal of membership fees. The request ws accepted and the requested action completed.

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 monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I was called in XX/XX/XXXX by a collection agency regarding an old debt I owe. At first, I thought they had the wrong number since I didn't recognise that I ever had an account with the bank. It's been so long. They were trying to get me to pay over the phone. 
I disputed everything since I didn't remember. 

Shortly after, I received a letter from XXXX XXXX  stating that they had sold the debt to a certain company. I called the Bank back and they told me they don't owe the account anymore. 

Then I got a collection letter from the company. I disputed it within the time frame. Then I got a new collection letter from a different company a couple of months later. I disputed it again Then I got a letter from XXXX XXXX  saying they sold it to XXXX XXXX. Then I got a letter from a different collection agency. This has been going on a couple of times now. Every time I dispute it, the name of the collector changes But at one time, it was owed by XXXX. I get those companies so confused because they keep changing their name. 

The debt was last charged and last heard from in XXXX. 

A lawyer from Utah tried to contact me twice, giving me a response date by XX/XX/XXXX and XX/XX/XXXX. This time, I ignored it and didn't dispute it. 

Today I was served with papers but I refused to sign them as the statute of limitations has passed. I

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