vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, I was parking a XXXX scooter right outside my apartment entrance, when I was approached by two men. They were asking for a donation. I was a bit scared since the sidewalk was empty at that time so I decided to hear out their cause in order to prevent any chance of getting hurt. I told them I do not have cash and they said that XXXX would work too. I asked them what was their XXXX account and I would send them {$5.00} from my Chase app to their XXXX account. After sending them the donation they said that a subscription to their XXXX account would help support them and I said sure. I asked them for the name of the channel, but one of them said that they could type it in my phone as it would be easier. I was hesitant giving my phone to them but they reassured me and the second man started showing me videos of their music group and even let me hold their phone trying to make me feel safe. In that moment I had a feeling the second man was distracting me with the videos so my eye was always on my phone. It looked like the first man was typing a lot on my phone and I know it doesn't take that much effort to subscribe to a XXXX channel. I then told them that I had to go and they returned my phone. I quickly got back inside my apartment and checked my phone to see the Chase app deleted and my phone on Do not Disturb. I quickly called Chase and they informed me after the {$5.00} transfer, there was an additional transfer of {$490.00} from my Chase account through XXXX. This was completely unauthorized and without my knowledge. The Chase customer service transferred me to another department which specializes in XXXX XXXX and to prevent any further transaction that could take place, they removed my phone number from the Chase account. The representative told me that the Claims department is closed at this time and to contact them the next day morning to file a claim for reimbursement. The next day, XX/XX/XXXX, I called them early morning, answered their questions and filed a claim. The claims representative said that they would do the needed research and within 10 days will inform me whether I will get a reimbursement or not. I called the claims department later that day because on my Chase app it indicated I had no open claims and the representative said it would take some time to update on my app since I just filed it in the morning. She also said there is a possibility I will not get my reimbursement but they will let me know by XX/XX/XXXX ( initially told me within 10 days, and now it's 15 days ). Today it is XX/XX/XXXX, and on my Chase app it still says, " No open claims ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is 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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several inaccurate and inconsistently reported negative accounts that are currently being reflected on my credit reports across all three major credit bureausTransUnion, Experian, and Equifax. Despite previous attempts to resolve these issues, I have noticed continued discrepancies and inconsistencies in how these accounts are being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NY

Complaint narrative:
They modified a loan in XXXX, because of covid, when they modified the loan it became over 4 times the original amount i was paying. I went ahead and took the modification because I had no choice, i paid all XXXX trial payments and XXXX payment before I fell on hard times. I care for my elderly mom who lives in the house, she has XXXX XXXX, XXXX  on the XXXX, in XXXX and is on XXXX hr XXXX  to XXXX, i am her primary caregiver. I got XXXX and then passed it on to her, we both landed in the XXXX, her stay was a lot longer than I was there. I had an accident and I hit my head when I fell, causing XXXX, XXXX, and lose of movement on my left side. I was in the hospital for awhile trying to get better. I called my boyfriend who lived in XXXX at the time to come help my mom because I was XXXX and he came while I was recovering. I then got out called them asked for a modification, they deny me saying i didn't make XXXX payments so they proceeded XXXX foreclosure. In XX/XX/XXXX they told me to reapply and I did and they denied me again only offering short sale or died in lieu of foreclosure no help. I begged for help and it did nothing. During the time I got home I lost my job because it went out of business due to covid related issues but I found another job and I have been working and want to keep and stay in my home and they are trying to take it from me and I dont know what else to do. I desperately need help and I would love if they modified my loan and gave me another chance but they want to take it from me and leave me and my elderly mom on the street. I have no family to help. They arent being fair to me and they arent doing anything to allow me to keep my home. Now that XXXX is here i suffered the death of my fiance who had a massive XXXX XXXX while in the XXXX. All I want is a fair shot to keep my home and they wont give it to me, I spoken to therir escalation dept and the lady calls XXXX and tells me nothing she can help me. I am scared and in fear of losing my home. On the paperwork they said they cant offer me a reduced payment forebearance because I didnt document a tempory hardship... So having a head injury and losing my job XXXX needing to get better wasnt good enough for these people. Please help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
* * Consumer Financial Protection Bureau ( XXXX  ) Complaint * * * * Subject : * * Complaint Against Square for Violation of XXXX XXXX I am writing to formally submit a complaint against Square regarding their mishandling of a transaction dispute related to my XXXX  debit card account. My experience reflects a pattern of non-compliance with XXXX XXXX, which protects consumers in electronic fund transfers. 

* * Disputed Transaction Details : * * - * * Merchant : * * XXXX  XXXX XXXX - * * Transaction Amount ( s ) : * * - {$100.00}, - {$100.00}, and- {$30.00} - * * Transaction Date : * * XXXX XXXX XXXX  - * * Reason for Dispute : * * Did not receive the agreed-upon service ( fully functional and working tool rentals ). 

* * Timeline of Events : * * 1. * * Initial Dispute Filing : * * I filed a dispute through Squares mobile app, providing all required information and documentation as per XXXX XXXX guidelines and XXXX  requirements.

2. * * Email Correspondence : * * Following my automated dispute filing, I engaged in a prolonged email exchange with Squares dispute resolution team. Despite providing detailed descriptions and asserting my rights, Square requested additional documentation multiple times, claiming it was missing.

3. * * Communication Issues : * * Square 's representative frequently insisted on obtaining proof of delivery and invoices, despite my clear communication that I had provided the necessary details. This back-and-forth has caused significant frustration and delays. 

* * Key Points of Concern : * * - * * Arbitrary Requests : * * Square insisted on receiving documents in XXXX XXXX XXXX format without justification, prolonging the process unnecessarily. 

- * * Non-Compliance with XXXX XXXX : * * Squares insistence on additional documentation they clearly were in possession of, not only delayed the resolution but also created an intimidating environment that could dissuade consumers from pursuing their rights. 

- * * Disrespectful Treatment : * * My concerns were dismissed, and I felt bullied by the repeated requests for information I had already submitted. 

* * Supporting Evidence : * * I have attached copies of my email correspondence with Square, demonstrating their lack of responsiveness and the undue stress caused by their mishandling of the dispute. 

* * Request for Action : * * I urge the CFPB to investigate Squares policies and practices related to dispute resolution and ensure they comply with XXXX XXXX. Square intentionally, and historically, engages in dispute mishandling in order to thwart accountholders from simply and easily accessing the remedies for recovery that are freely available to them. Consumers should not be subjected to such frustrating and unlawful obstacles when attempting to dispute a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
am disputing inaccuracies in my Equifax credit report that misrepresent my financial history and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report lists XXXX installment accounts marked as derogatory or charged off, which I believe are incorrect or unverifiable. These include : XXXX XXXX  ( Account # XXXX * * * * ) : Installment account, charged off, balance {$3700.00}, past due {$3700.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 



XXXX ( Account # XXXX * * * * ) : Installment account, charged off, balance {$0.00}, high credit {$5000.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX. 

These inaccuracies could impact my ability to secure employment, housing, or loans, and I demand their correction or removal. 
This is not sent by a third party under FCRA LAW youre obligated to investigate disputes without any issue. Do not sendstallletters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$520.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$590.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$970.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXXXXXX 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 2025-04-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Inaccurate Collection Account Reporting RE : XXXXXXXX XXXX XXXX XXXXXXXX Immediate Investigation and Removal Required To Whom It May Concern, I am formally disputing the collection account being reported by XXXXXXXX XXXX XXXX XXXXXXXX on my credit file. After carefully reviewing my records, I have determined that this item is inaccurate, incomplete, and can not be verified. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and deletion of this account. 

I do not owe any valid debt to the XXXXXXXX XXXX XXXX XXXXXXXX, nor have I ever received any proper validation or substantiation of this claim. Reporting such unverifiable and potentially fraudulent information is a direct violation of the FCRA. 

I am demanding the following actions : Immediate deletion of the XXXXXXXX XXXX XXXX XXXXXXXX collection account from my credit profile. 
Written confirmation that this item has been permanently removed. 
An updated and corrected version of my credit report showing the removal. 

I have included a copy of my government-issued photo identification to assist in accurately locating my file. 

Failure to remove this inaccurate information within the required timeframe will be regarded as willful noncompliance and may result in legal action for statutory and punitive damages. 

Please conduct a full re-investigation and respond to this formal dispute within 30 calendar days from the date of receipt, as required by law. 

Govern yourselves accordingly. 

Sincerely, 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 2025-04-18 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: TN

Complaint narrative:
I woke up this morning to find an unauthorized inquiry on my credit report, and I have no clue where it came from. I check my report regularly, and this kind of discrepancy has never happened before. I even tried refreshing my browser, hoping it was just a glitchbut no, it's still there. Im extremely frustrated and need this issue investigated thoroughly right away to prevent this from ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I'm reaching out because I'm seriously concerned about the security and accuracy of my personal information. I've noticed that a certain account showing up on my credit report dont belong to methey appear to be linked to someone else entirely. This kind of mix-up is not only frustrating, it's unsettling, especially when it keeps happening. This isn't just about fixing a credit reportit 's about protecting my identity.

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 2025-04-18 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request a correction of the following information that appears on my Experian, consumer report : Acct # XXXX Acct Name : XXXXDEP OF ED Balance {$84000.00} Balance {$71000.00} Experian is currently reporting a 30-day delinquency on my credit report, which is reporting in error because I had a payment scheduled for XX/XX/year> in the amount of {$17000.00} withdrawn from my bank account. The company that currently reports my student loan ( XXXX/DEP OF ED ) Has never written and or verbally stated and or reported to EXPERIAN that the student loans in question wore delinquent in XX/XX/year>. Therefore this 30-day late is reporting in error and needs to be fixed immediately or legal action will be taken. Included is proof of payment and confirmation from the original creditor agreeing to the terms and conditions of payment rendered.

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 2025-04-18 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX XX/XX/year>, I made a reservation and payment to XXXX with my wells fargo visa credit card. This reservation was for a XXXX night stay at this XXXX  XXXX, XXXX XXXX in XXXX XXXX, XXXX. On the day that the reservation was made, I paid a XXXX  to take me to this accommodation, XXXX XXXX. And even though, this XXXX  driver was XXXX, used XXXX XXXX  and a local gps app,. he ( XXXX  driver ) was still unable to locate this property. He even called this XXXX  XXXX  and they did not answer the phone or return the voicemail message. And XXXX also doesn't provide means for direct verbal communication for at the moment issues. So how am I to proceed for lodging accommodations?? If I can't locate this property and no one is available for resolution, then XXXX and XXXX XXXX is and has engaged in deceptive practices and stolen my money by not providing the service that I paid for. This is a fact without dispute. XXXX and XXXX XXXX DID NOT provide or allow me to even experience the referenced reservation via XXXX  : XXXX! Yet, XXXX, XXXX XXXX and wells fargo charged my credit card for {$420.00}. without accepting the above stated point of a customer not receiving or being Denied a product, service that they, I paid for, regardless, if part of their-XXXX XXXX initial terms and agreements states that there are no refunds for any cancellations. I am requesting the consumer finance bureau to right this Wrong and have wells fargo or visa to return this money, charge back into my credit card account. The wells fargo dispute number is XXXX. 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN 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