vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am filing this formal complaint regarding the unauthorized access and improper disclosure of my student loan records, which I believe violates my privacy rights under the Family Educational Rights and Privacy Act ( XXXX ) and other applicable consumer protection laws. I am requesting an immediate investigation into this matter and seeking student loan relief as a corrective measure for the violation. 

Details of the Complaint Unauthorized Access and Disclosure of Personal Information : My personal student loan records, including personally identifiable information ( such as my name, Social Security number, loan balance, and repayment history ), were accessed and potentially shared without my consent. 

Circumstances of the Violation : On or around [ insert date ], I became aware that XXXX XXXX and associates affiliated with the so-called " Department of Government Efficiency '' ( XXXX ) gained unauthorized access to the U.S. Department of Educations systems . 
This breach included improper access to confidential student loan data, potentially exposing millions of borrowers, including myself, to financial harm and identity theft. 
As a borrower with student loans serviced by [ insert loan servicer name ], I am concerned about the implications of this unauthorized access and the potential misuse of my data. 
Legal Violations and Harm Suffered : The disclosure of my student loan records constitutes a violation of XXXX and possibly the Fair Credit Reporting Act ( FCRA ) if my credit information was accessed. 
Unauthorized access to sensitive loan data exposes borrowers to fraud, identity theft, and potential financial exploitation. 
This situation has caused me significant distress and uncertainty about the security of my financial records. 
Requested Actions from CFPB I am requesting the CFPB to : Investigate the extent of this unauthorized access and determine whether my loan servicer or the Department of Education failed to protect my personal financial information. 
Hold responsible parties accountable for improper handling of sensitive student loan data. 
Provide student loan relief or corrective measures, including possible loan forgiveness, as a remedy for this breach of my privacy. 
Ensure immediate security enhancements to prevent future unauthorized disclosures of borrower information. 
This matter requires urgent attention, and I ask that you respond with the steps being taken to address my concerns. Please provide me with an update on this investigation and my request for relief within 30 days of receiving this complaint. 

Thank you for your time and assistance. I look forward to your response and the necessary actions to protect student loan borrowers from unauthorized access to their financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I transferred international transfer from XXXX XXXX to XXXX but in Remarks tag I put wrong data ( its a reservation code for my apartment ) I requested the origin bank the send a correction message and they did already but till now XXXX bank didnt forward the new update to the receiver bank and my payment still on hold due to this delay. 

Attached included both documents 1. Transfer amount proof.

2. Correction message proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
CARDCONNECT XXXX This CC processing company has charged excessive fees that were not really explicitly stated. Some transactions were as much as 30 %. We have changed companies for our CC processing. CardConnect does not allow us to cancel our account. We have cancelled the account by their rules which are extremely ridiculous compared to signing up. They have held a credit from us for close to 4 months. 
Here is a copy of the email correspondence they required. 

ATTENTION, I am informing XXXX XXXX and Cardconnect that XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS no longer a customer. Please close my account immediately. 
THERE IS A BALNCE OF XXXX THAT NEEDS TO BE CREDITED TO MY BANK ACCOUNT OR A DRAFT WRITTEN IMMEDIALTLY INCLUDING INTEREST AND PENALTIES THAT HAVE BEEN ACCRUED. 
This account was closed and emailed notice on XX/XX/year>. I have spoken with XXXX ID # XXXX. This matter needs to be resolved by XXXX today. 

SINCERELY XXXX XXXX XXXX From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject I am informing XXXX XXXXXXXX and Cardconnect that I will no longer be a customer. Please close my account immediately. 

To Whom it may concern, I am informing XXXX XXXX and Cardconnect that I will no longer be a customer. Please close my account immediately. 
My Merchant number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send me confirmation of account closure. 

Sincerely XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony CARECREDIT has failed to close my account now after XXXX attempts. 

After paying my monthly payment ON TIME, they closed my account by trying to take ANOTHER payment off an inactive card and then told me my account would be closed permanently. Hurt my credit AFTER I PAID MY BILL ON TIME. 

So, I go ahead and pay off my remaining balance. And SOMEHOW, I have been charged interest SINCE XXXX, when I paid off the account. I have paid the interest XXXX TIMES and I have spoken about closing this out XXXX TIMES. They keep charging me and I feel like this is unlawful at this point. Dont ever open an account with them. Theyre preying on people who need healthcare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Urgent Hardship Complaint Regarding Access to Funds I am writing to formally express my serious hardship and distress caused by Chase Bank 's handling of my funds. I recently received a significant amount of cash and opened a XXXX XXXX account. Unfortunately, due to ongoing issues with that account, I decided to close it and deposited the funds into a new Chase account.

Since opening my Chase account, I have faced a multitude of problems. I have not received a debit card or account number, and after some time, my account was closed without a proper resolution. It has now been three weeks, and I am still waiting for a check for my funds. My experience has been fraught with misinformation and manipulation, resulting in extreme stress and hardship.

I fought for a check of {$10000.00}, which I eventually received, but Chase is currently holding {$300000.00} of my funds. For the past four weeks, I have been told that checks are being cut every other day, yet I have not received anything. There has been no tracking number provided, no estimated time of arrival, and I am only met with different answers each time I inquire about the situation. 

This ordeal has taken a severe toll on my mental health ; I have documented mental health issues and am on the verge of a breakdown. I am currently without adequate food, clothing, or shelter, and my situation is becoming increasingly dire. The unexpected passing of my wife has further compounded my distress during this already challenging time. 

I urgently request your immediate assistance in resolving this matter. I need access to my funds to regain my stability and mental well-being. Chase Bank is meant to provide safety and support for its customers, yet I find myself in a position of increased hardship due to the bank 's actions. 

Please prioritize my case and provide me with the answers and assistance I desperately need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Therefore, I am formally requesting that this inaccurate bankruptcy record be removed from my credit report without delay. Please ensure that my file is updated accordingly to reflect accurate and verified information.

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 2025-02-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-13 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: GA

Complaint narrative:
I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX  Account Number : 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I attempted to dispute an incorrect charge-off from JPMCB ( Chase ) on my XXXX credit report, but XXXX is preventing me from submitting a dispute. The charge-off is being reported incorrectly, as it continues to show a past-due balance and new charge-off updates every month, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA guidelines, once an account is charged off, it can not continue to be reported as past due. Since XXXX is blocking my ability to dispute this, I am filing this complaint to request that they accept my dispute and properly investigate the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
Hello, 

 Experian report showing several unauthorized inquiries.

XXXX XXXX
Inquiry date XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX


XXXX XXXX  Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
nfo
Address
XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX

XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX  Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Address
XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX XXXX XXXX XXXX
Inquiry date XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
-- - Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint against chase auto finance- Fraudulent Vehicle leasing Dear Sir/Madam, My name is XXXX XXXX, and I XXXX XXXX to file a formal complaint against chase auto finance regarding a fraudulent vehicle lease situation. The details are as follows : On XX/XX/XXXX, I purchased a 2021 XXXX XXXX from XXXX auto in XXXX mi the vehicle was financed through XXXX XXXX. I have since discovered that the vehicle I purchased was still under an active lease with Chase Auto Finance. 

Key issues : XXXX. The dealership sold me a vehicle that was still under an active lease with Chase Auto Finance. 
XXXX. XXXX XXXX approved financing for a vehicle that was not legally available for sale. 
XXXX. It's unclear how payments are being made to both XXXX XXXX ( by me ) and Chase Auto Finance ( by an unknown party ) for the same vehicle. 
XXXX. This situation raises serious questions about the legality of the transaction and the due diligence performed by XXXX XXXX. 

I have attempted to resolve this issue by contacting XXXX XXXX XXXX XXXX. Despite going through various channels, I have been unable to speak with anyone in a higher position about this serious and illegal situation. 

Questions that need immediate answers : XXXX. How did XXXX XXXX approve financing for a vehicle that was still under an active lease? 
XXXX. What due diligence was performed to verify the status of the vehicle before approving the loan? 
XXXX. How are payments being made to both XXXX XXXX and Chase Auto Finance for the same vehicle? 
XXXX. What steps will be taken to ensure I am not held liable for any illegal activity? 

I am seeking immediate clarification and resolution on the following points : XXXX. A full investigation into how this transaction was approved and financed. 
XXXX. XXXX contact from a senior representative, specifically XXXX XXXX, the regional XXXX, to discuss this matter. 
XXXX. A detailed plan to resolve this situation, ensuring that I am not held liable for any fraudulent activity. 
XXXX. Compensation for any damages or inconvenience caused by this situation. 

Additionally, I request that appropriate action be taken against the parties involved in this illegal transaction. 

This situation XXXX seem minor to XXXX XXXX, but as a consumer who has been fraudulently taken advantage of, it is a significant matter to me. I urge you to look into this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I am writing to formally dispute certain negative accounts that appear on my credit report. Upon reviewing my credit file, I have identified inaccuracies that require immediate investigation and correction. 



Enclosed, I have included copies of supporting documents ( such as my credit report with highlighted errors, account statements, or correspondence with the creditor ) to aid in your investigation. 



I request a written response confirming the outcome of your investigation within 30 days of receiving this letter. If the disputed accounts can not be verified, I expect them to be removed or updated accordingly. 



Please confirm receipt of this dispute at

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 2025-02-13 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a forma
l complaint to th
e Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-02-13 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: AZ

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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