vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank I open a trust account they refused to open me a real trust account provided me with credit to manage my trust asset the bank is racism and is committing fraud with my trust asset trading my security and trust asset with out my approval they refused to accept a check money XXXX used as negotiatiable instruments check that been bonded with the united states treasury to provide me credit they are being racis and are trying to close my account after realizing that I caught up to there scam my assets are worth billions of dollars the bank refused to provide me with a private banking and credit to manage my assets because XXXX XXXX with so much wealth I registered my trust with state treasury including the bank account the serial number cam be bond and credit into trust the refused to give me any form of credit to manage the assets on file

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

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
On XX/XX/XXXX, I made a lump sum payment of {$15000.00} to my loans with MOHELA. A few days later, I noticed that Loan # 6 had been overpaid by {$100.00}. I called customer service to inquire about the overpayment and asked if the excess amount could be redistributed to my other loans. They assured me that Loan # 6 would be marked as " Paid In Full '' and the {$100.00} would be applied to the remaining balances. I was told to allow up to a month for the update. 

However, when I checked my account a month later, the overpayment issue had not been resolved. I called again, and was informed that a ticket would be created, and I should allow another month for the resolution. I trusted their response, but when I followed up in XX/XX/XXXX, I asked for some form of confirmation or a ticket number, as the issue had been ongoing for over three months. I was assured that the matter would be escalated, but I was given no proof or further details. 

In XX/XX/XXXX, I called once more. The representative found the situation unusual and promised to escalate it to a supervisor or manager, advising me to follow up on XX/XX/XXXX, if there were no updates. Now, as of XX/XX/XXXX, the issue remains unresolved, and my account still shows Loan # 6 as overpaid by {$100.00}.

I'm nearing the completion of paying off my student loans, but I am concerned about making another lump sum payment in case the same issue occurs again. I would appreciate clarification on where the {$100.00} went and whether it will be applied to my remaining loans, as this money could be better utilized to reduce my balances.

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

Complaint narrative:
I am filing this complaint against [ Experian/Equifax/TransUnion ] for allowing XXXX XXXX  to continue reporting inaccurate and unverifiable information, despite my formal dispute. The account was closed in XX/XX/XXXX, yet they reported late payments nearly a year later. XXXX changed the closure date multiple times ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) and provided no billing statements or documentation of post-closure minimum payment terms. 
Despite this, [ Experian/Equifax/TransUnion ] continued to report : False late payments Inaccurate closure dates Contradictory statuses ( e.g., 100 % on-time with a past-due balance ) This violates the FCRA, specifically : 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate properly 1681i ( a ) ( 5 ) : Failure to delete unverifiable 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against [ Experian/Equifax/TransUnion ] for allowing XXXX XXXX  to continue reporting inaccurate and unverifiable information, despite my formal dispute. The account was closed in XX/XX/XXXX, yet they reported late payments nearly a year later. XXXX changed the closure date multiple times ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) and provided no billing statements or documentation of post-closure minimum payment terms. 
Despite this, [ Experian/Equifax/TransUnion ] continued to report : False late payments Inaccurate closure dates Contradictory statuses ( e.g., 100 % on-time with a past-due balance ) This violates the FCRA, specifically : 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate properly 1681i ( a ) ( 5 ) : Failure to delete unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to review my credit report online. I have reach out to company over the phone i sent my documents to them by mail. I am still unable to view my credit report online. The last report is showing from XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-04-04 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX CC : Experian XXXX XXXX XXXX XXXX, TX XXXX RE : URGENT FCRA VIOLATIONS- Account # XXXX SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Dear XXXX and Experian : This letter constitutes a formal dispute regarding account # XXXX appearing on my Experian credit report. I am writing to demand immediate removal of this account based on multiple serious violations of the Fair Credit Reporting Act ( FCRA ). 

**MULTIPLE CRITICAL VIOLATIONS AND DISCREPANCIES** My Experian credit report shows XXXX separate entries for the same account number ( XXXX ) with drastically different data points : XXXX. ACCOUNT VERSION # XXXX : - Opening Date : XX/XX/XXXX - Status Updated : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Original Balance : {$980.00} - Terms : 24 Months XXXX. ACCOUNT VERSION # XXXX : - Opening Date : XX/XX/XXXX - Status Updated : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Original Balance : {$510.00} - Terms : 24 Months These contradictory entries for the same account number constitute clear violations of the following FCRA provisions : - 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy - 1681i : Failure to conduct proper investigation upon notice of dispute - 1681s-2 ( a ) ( 1 ) : Reporting information known to be inaccurate - 1681s-2 ( b ) : Failure to properly investigate disputed information Additionally, XXXX account shows opening and activity dates extending into XXXX XXXX, which are future dates that can not possibly be accurate.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX CC : Experian XXXX XXXX XXXX XXXX, TX XXXX RE : URGENT FCRA VIOLATIONS- Account # XXXX SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Dear XXXX and Experian : This letter constitutes a formal dispute regarding account # XXXX appearing on my Experian credit report. I am writing to demand immediate removal of this account based on multiple serious violations of the Fair Credit Reporting Act ( FCRA ). 

**MULTIPLE CRITICAL VIOLATIONS AND DISCREPANCIES** My Experian credit report shows XXXX separate entries for the same account number ( XXXX ) with drastically different data points : XXXX. ACCOUNT VERSION # XXXX : - Opening Date : XX/XX/XXXX - Status Updated : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Original Balance : {$980.00} - Terms : 24 Months XXXX. ACCOUNT VERSION # XXXX : - Opening Date : XX/XX/XXXX - Status Updated : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Original Balance : {$510.00} - Terms : 24 Months These contradictory entries for the same account number constitute clear violations of the following FCRA provisions : - 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy - 1681i : Failure to conduct proper investigation upon notice of dispute - 1681s-2 ( a ) ( 1 ) : Reporting information known to be inaccurate - 1681s-2 ( b ) : Failure to properly investigate disputed information Additionally, XXXX account shows opening and activity dates extending into XXXX XXXX, which are future dates that can not possibly be accurate.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-04 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-04 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Back in XXXX my ssn and personal info was compromised and used to open few accounts and inquires under my name and ssn, while the other accounts and inquires have been removed from my credit report, this affirm inc loan remains on my account. the company claims they have proof it was me because it matched the ip addresses with a device that I've used previous loans with them on, when I never opened a loan with affirm in the first place.

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

Complaint narrative:
XXXX, Transunion and XXXX are dropping my credit scores XXXX points for no apparent reasons. My score was a XXXX and now all of a sudden it dropped XXXX points hurting my ability to get credit. Showing negative items on my credit profile for a dispute ( XXXX ) are illegal and unlawful. XXXX statues and FCRA support my complaint. This keeps happening. XXXX XXXX I believe reported something on my credit report because I am Disputing negative items on my credit reports. Whoever is reporting any negative items on my report needs to held accountable and all three Credit agencies need to REMOVE NEGATIVE ITEMS OFF MY REPORT. I'M TIRED OF GOING BACK AND FOURTH WITH THESE AGENCIES AND XXXX XXXX XXXX!!!!!

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

Complaint narrative:
XXXX, Transunion and XXXX are dropping my credit scores XXXX points for no apparent reasons. My score was a XXXX and now all of a sudden it dropped XXXX points hurting my ability to get credit. Showing negative items on my credit profile for a dispute ( XXXX ) are illegal and unlawful. XXXX statues and FCRA support my complaint. This keeps happening. XXXX XXXX I believe reported something on my credit report because I am Disputing negative items on my credit reports. Whoever is reporting any negative items on my report needs to held accountable and all three Credit agencies need to REMOVE NEGATIVE ITEMS OFF MY REPORT. I'M TIRED OF GOING BACK AND FOURTH WITH THESE AGENCIES AND 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 2025-04-04 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-04-04 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
XXXX XXXX Cash App Tag XXXX XXXXXXXX Company claimed use of Cash App service violates their rules or regulations. They also denied my claim of {$1000.00} and {$100.00} unauthorized transaction and closed my account later and gave no valid explanation Dates XX/XX/XXXX {$100.00} Unauthorized sending to user XX/XX/XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. 
I request that you manually process my FCRA XXXX deletion request and immediately block all fraudulent inquiries, as required by law. 
Per FCRA XXXX, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( XXXX ) : XXXX Date of Inquiry ( XXXX ) XXXX Unauthorized Inquiry ( XXXX ) : XXXX Date of Inquiry ( XXXX ) XXXX Unauthorized Inquiry ( XXXX ) : XXXXXXXX XXXX Date of Inquiry ( XXXX ) XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX Date of Inquiry ( XXXX ) XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX  Date of Inquiry ( XXXX ) XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with XXXX XXXXXXXX XXXX XXXXXXXX - Permissible Purposes of Consumer Reports. 
I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned 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