vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding a recent experience with JPMorgan Chase 's customer service and communication related to XXXX. 

A few days after switching my mobile carrier from XXXX XXXX XXXX XXXX XXXX I received an email from JPMorgan Chase stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The email urged me to contact Chase immediately if I had not authorized this change. Given the seriousness of the message, I promptly called customer service for clarification. 

The first customer service representative I spoke to conducted no investigation and insisted that the removal of my phone number was due to inactivity. This response directly contradicted the content of the email I received. Unsatisfied, I requested escalation. The second representative who took my call asked if I had recently switched carriers. Upon confirming that I had, the representative stated that this was the cause of the issue and attributed the change to XXXX, rather than Chase. 

I would like to formally raise the following concerns : First, failure to Implement Proper Third-Party Risk Management ( TPRM ) Controls By attributing the issue to XXXX, Chase has demonstrated a failure in its Third-Party Risk Management ( TPRM ) practices. This carrier-related issue has existed for over five years as per the 2nd customer representative, yet Chase has not established an effective control to prevent customer confusion. Proper risk management should ensure that such predictable disruptions are addressed proactively. 

Second, Inadequate Customer Communication The email I received was unnecessarily alarming as it stated " You have deleted '', and the issue itself likely affects thousands of Chase customers who switch carriers. Despite Chase 's representatives appearing well aware of this recurring confusion, no corrective action has been taken. A simple improvementsuch as including a note in the email stating, " If you have recently switched carriers, please re-add your phone number to your XXXX profile '' could prevent unnecessary customer distress. 

Last but not lease, unprofessional Customer Service and Lack of Follow-Through The first representative provided an incorrect and dismissive explanation, failing to resolve the issue effectively. Additionally, after the second representative identified the cause, I requested that the first representative call me back with a formal apology. I provided my phone number and was assured that I would receive a call within a few days. However, more than a week has passed, and I have not been contacted. This lack of follow-through is unprofessional and undermines trust in Chases customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an alert on XXXX XXXX that I had a hard inquire on my credit report from Macys on XX/XX/year>. I did not apply for credit at Macys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in y credit report. Despite my submissions Equifax consistently responds within 24 hrs that the account is accurate without providing any evidence of a thorough investigation .This practice violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Admin - I paid them in time not sure why this is on my Credit report XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I paid off loan 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in y credit report. Despite my submissions Equifax consistently responds within 24 hrs that the account is accurate without providing any evidence of a thorough investigation .This practice violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Admin - I paid them in time not sure why this is on my Credit report XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I paid off loan XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Previous case number from CFPB - XXXX : I received another additional research is needed response from MOHELA regarding my complaint. This is the second time they have provided a generic, non-specific answer without addressing the core issues of my complaint. 

MOHELA has a documented pattern of stalling tactics, including : Multi-hour/day long hold times, frequent disconnections, and vague responses during direct phone inquiries. 
Providing no clear timeline or specific steps being taken to resolve the delayed refund issue and administrative errors related to my PSLF eligibility. 
Failing to provide documentation or evidence of the additional research they claim to be conducting. 
I am requesting immediate action from the CFPB to demand a concrete and detailed response from MOHELA, including : A specific timeline for resolution. 
Documentation of any research or investigations they claim to be conducting. 
Clear answers regarding the status of my refund and what steps are being taken to address the administrative issues impacting my PSLF progress. 
MOHELAs continued delays are unacceptable, and I am asking the CFPB to intervene to ensure my case is not unjustly stalled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I made a purchase on XXXX for XXXX. The item was not as described seller provided return label to return the item for a refund. The charge was split between XXXX citi cards one charge for XXXX and the other XXXX XXXX has refunded the XXXX but not the XXXX. Merchant has accepted blame and has told me many times full refund issued but I never received the full amount. The merchant has already been paid by a claim with XXXX XXXX they did and citi card. I have sent all documents to citi such as a letter of explanation, receipts, invoices, emails stating refund, chats stating refund, XXXX XXXX letter stating they already paid the other party. The merchant has been paid twice. Citi is not helping they keep lying giving me excuses that case will be reopen but nothing happens. I was told by one agent at citi by the name of XXXX that they had made a mistake when they opened the dispute but that is not my fault. Please help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I recently was made aware that i have a fraudulent account on my credit report caused by identity theft. I have an idea of who it was, but i have no proof. I have been trying to get this account removed from my credit report, but i have had no luck. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against PayPal Credit ( Synchrony Bank ) due to an unjustified account closure and failure to provide written notice of closure, despite claims that such notice was sent. 

On XX/XX/2024, my PayPal Credit account was closed, allegedly due to " dishonored payments. '' Synchrony Bank claims they mailed me a letter notifying me of this closure. However, I never received any written notice at my mailing address, nor did I receive any phone calls attempting to resolve the payment issue prior to closure. 

Additionally, the PayPal Credit terms and conditions do not explicitly state that an account can be permanently closed due to a single dishonored payment. If Synchrony Bank is using this clause to justify the closure, it should have been clearly disclosed in the agreement upfront. 

Furthermore, Synchrony Bank 's response to my initial CFPB complaint contradicts itself : They claim that they notified me via a letter dated XX/XX/2024. However, I never received any such letter. 
They admit that no prior notification is required before closing an account, yet they still claim to have sent one. If no notice was required, why claim they sent one?

They also failed to attempt to contact me via phone or email to resolve the dishonored payments before taking drastic action to close the 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 2025-02-24 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: CT

Complaint narrative:
Here is the list of fraudulent inquiries : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received approximately 15 letters from Wells Fargo regarding unauthorized purchase, 4 were kept and reimbursed and a XXXX reference number was recovered, but XXXX are still missing. I contacted both Wells Fargo and XXXX at the return addressee provided on letters. I received one phone call with an unintelligible phone number. So I am still owed about {$10000.00} or more in reimbursements for unauthorized product purchases from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
Experian has ignored me for far too long, and I refuse to tolerate this blatant negligence any longer. I have disputed this issue multiple times, yet Experian continues to disregard my rights and refuses to take corrective action. My payment status is still being falsely reported as " Current, was past due 30 days '', which is completely inaccurate. Both XXXX and XXXX have correctly reported it as " Paid or Paying as Agreed, '' but for some absurd reason, Experian insists on keeping this false information on my report as if it were set in stone. This is no longer just incompetencethis is outright reckless and willful noncompliance with federal law. Experian is in direct violation of 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy in my credit report. Despite clear evidence and multiple disputes, Experian refuses to correct this glaring inaccuracy. Additionally, under 15 USC 1681i, credit bureaus are legally required to conduct a reasonable investigation and correct errors when a consumer disputes them. Lets be honestExperian has done nothing remotely close to a legitimate investigation. If they had, this issue would have been resolved long ago. Instead, Experian continues to allow this false and damaging information to remain on my report, completely disregarding its duty to uphold the law. Furthermore, 15 USC 1681b ( f ) states that no entity can report or access credit information without a permissible purpose. By knowingly misrepresenting my payment history and refusing to correct it, Experian is actively violating my rights and exposing itself to legal consequences under 15 USC 1681n for willful violations and 15 USC 1681o for negligent violations. This deliberate misconduct is harming my financial standing, and I will not allow it to continue. I AM DEMANDING THAT EXPERIAN IMMEDIATELY CORRECT MY PAYMENT STATUS TO " PAID OR PAYING AS AGREED, '' JUST AS XXXX AND XXXX HAVE PROPERLY DONE. EXPERIAN MUST ALSO FIX ALL INACCURACIES IN MY PAYMENT HISTORY WITHOUT DELAY. IF THE OTHER BUREAUS CAN GET THIS RIGHT, THEN WHAT IS EXPERIANS EXCUSE? THEIR ONGOING FAILURE TO ACT IS NOT JUST NEGLIGENCEIT IS A WILLFUL AND MALICIOUS DISREGARD FOR THE LAW. I HAVE HAD ENOUGH OF EXPERIAN 'S DELAYS, EXCUSES, AND UNLAWFUL REPORTING. IF THIS IS NOT FIXED IMMEDIATELY, I WILL PURSUE ALL LEGAL REMEDIES AVAILABLE TO HOLD EXPERIAN FULLY ACCOUNTABLE FOR THE DAMAGE IT HAS CAUSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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