vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MP

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Complainant : XXXX Location : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX JPMorgan Chase Bank, N.A. 
Issue Category : Failure to Update Contact Information / PooXXXX Customer Service/ Inaccessible Support Channels Timeframe : XX/XX/XXXX Present ( 3+ weeks ) Summary -- -- -- - Since relocating to XXXX XXXX XX/XX/XXXX, I have been unable to update my phone number and mailing address on my Chase online banking profile. Chase does not allow phone number changes through the online portal, requiring customer service involvement. I have contacted Chase repeatedly through the XXXX XXXX XXXX for over XXXX weeks with no results. 
Additionally, the only phone numbers Chase provides route exclusively to automated systems that do not allow me to update personal information, verify identity, or reach a live agent. As a result, I can not update vital contact data required to secure and access my account. 
Because Chase has no branches in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, timely online customer service is essential. Without effective digital support, I have no practical way to update my information or verify my identity. This presents a serious account access and security risk. 
XXXX -- -- -- -- XX/XX/XXXX : Arrived in XXXXXXXX XXXX  Chase does not permit online phone number changes. 
XX/XX/XXXX : Sent multiple secure messages requesting assistance updating phone number and address. 
No meaningful response. 
XXXX XXXX : Phone support provides only automated systems. No access to a live representative. 
Secure messages remain unresolved. 
Impact -- -- -- Unable to verify identity or receive security codes. 
Unable to update address for mailed documents, replacement cards, statements, or legal notices. 
Account is at heightened security risk due to outdated contact information. 
Chase customer service has deteriorated significantly and is now functionally inaccessible. 
Requested Actions -- -- -- -- -- -- -- -- - I request that the CFPB require JPMorgan Chase Bank to : 1. Provide a direct, human-assisted method to verify my identity and update my phone number and mailing address.

2. Investigate Chases failure to maintain accessible customer service channels.

3. Ensure Chases automated systems do not prevent customers from resolving essential account issues.

4. Provide written confirmation once my updates have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following charged-off accounts that I believe are inaccurately reported on my Experian credit report. Please investigate these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Late Payments : XXXX  Account Number : 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 2025-11-24 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: AZ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: AR

Complaint narrative:
Multiple issues with them stating that I have no insurance. Stating that my insurance company canceled my homeowners insurance. Which is not true. 
It is now harassment. 5 months.with same issue. I get letters from mortgage company all the time stating I have no hazard insurance. Mortgage payments made with escrow money going into to pay for these things. Where's the money going? They are taking my money. They need to investigated.

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 2025-11-24 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: WA

Complaint narrative:
I am writing to formally dispute certain accounts that appear on my Equifax credit report. I believe these accounts are either inaccurate or incomplete, and I request a thorough review and correction of these records. Below is the account information in dispute : Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, Balance : XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : 0 Inquiry Accounts : No inquiries listed for EQ Late Payment Accounts : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I filed a dispute of XXXX transactions to the same merchant, on the same date, different amounts and some of the transactions were approved and some were denied. I did not use my card with that merchant on that date and I want to know how some charges were approved while others were not! Seems fishy and there is nothing that I can do! This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am writing to dispute certain entries on my TransUnion credit report. I believe these entries are inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the possibility of a data breach that may be causing these inaccuracies. Please investigate these accounts thoroughly and provide me with an updated report. 
Below are the accounts I am disputing : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Balance : {$1700.00} Dispute Reason : This account is reported as Collection or Charge Off, but I believe it is inaccurately reported. The payment history does not reflect the accurate payment terms, and I am disputing this entry. 
Data Breach Concern : I am concerned that unauthorized access to my personal information could have resulted in these inaccurate reports. Please verify if any data breaches have occurred that could be affecting my account. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Closed Balance : {$200.00} Dispute Reason : The account has been incorrectly reported as a " Charge Off '' with an inaccurate payment history. I request a full review of the information to ensure it aligns with the actual payment history.

Data Breach Concern : I suspect that a data breach may have occurred, resulting in the incorrect reporting of this account. Please confirm that my account data has not been compromised.

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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
The company stated they would reset dates to XXXX XXXX, XXXX. They have lied to me again. I just called the XXXX XXXX courthouse, and this manipulative and deceitful company has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear XXXX, I am writing to dispute the following items on my credit report with Experian. Please review the listed accounts and remove or correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).. 

Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 2025-11-24 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: CA

Complaint narrative:
I am requesting a review of my credit report with TransUnion to ensure the information reported is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts Account Name : Bankruptcy Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments Account Name : 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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
XXXX XXXX was takeing out from XXXX XXXX XXXX XXXX was take out from atm on XXXX XXXX was take outg of my acounn t for XXXX off mypay  that i did not even know it was requst but i had to pay it XXXX XXXX was take off my pay then i had to pay it backXXXX i was post to have XXXX on my acounnt that i did not see or know where it went toon XXXX XXXX on XXXX XXXX an other XXXX was take out that i never did nothing unit XXXX.... these are all the acounnt number that i have pull up that there useuing my pay acounnt XXXX ... saveing acounnt XXXX line of credit that ive never know i had XXXX chime card accounat XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Klover Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, XXXX withdrew {$260.00} twice from my bank account. These were XXXX  identical ACH withdrawals for the same advance. Both transactions fully posted and both reduced my account balance. 

ACH debits do not place temporary holds like debit card authorizations. A hold does not post, does not reduce the posted balance, and does not trigger fees. The fact that these transactions posted shows that XXXX separate payments were taken from my account. 

The duplicate withdrawal also caused a {$35.00} Courtesy Pay/overdraft fee, which further confirms this was not a pending authorization or hold. Holds do not trigger overdraft fees ; only actual posted withdrawals do. 

I contacted Klover immediately on XX/XX/XXXX at XXXX XXXX  and provided evidence of the duplicate debit. On XX/XX/XXXX, a support agent acknowledged the issue and stated that it had been escalated to their technical team. However, no refund was issued, and no resolution was provided for more than XXXX weeks. 

On XX/XX/XXXX, Klover responded again and claimed that one of the withdrawals was a hold that did not actually deduct funds. This explanation is not accurate. My bank statement clearly shows XXXX posted ACH debits, each subtracting {$260.00} from my balance, as well as the resulting {$35.00} overdraft fee caused by the duplicate withdrawal. 

Klover also provided a Network ID ( XXXX ) but told me to take it up with my bank instead of refunding the duplicate withdrawal on their end. I have attempted multiple times to resolve this directly with Klover, but they have not refunded the duplicate charge and their explanations conflict with the documented bank records.

I am requesting the CFPBs assistance in resolving the following : 1. Refund of the duplicate {$260.00} withdrawal 2. Reimbursement of the {$35.00} overdraft/courtesy pay fee caused by the duplicate withdrawal 3. Written confirmation that the issue has been corrected 4. Assurance that duplicate ACH debits will not occur again I have attached the following evidence : Screenshot of both posted ACH withdrawals Screenshot showing the {$35.00} fee triggered by the duplicate withdrawal My initial report to Klover on XX/XX/XXXX Klovers acknowledgment on XX/XX/XXXX Klovers inaccurate explanation on XX/XX/XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I logged into Sloan Servicing from Nelnet at XXXXXXXX XXXX XXXXsloanservicing.com/welcome to give my usual payment of {$300.00} a month even though I am under an income-based payment that considerably less. I give more because I never seem to bring my overall student loan balance down. As of last year, I have a tendency to take pictures of my payments, loan interest, and overall loan balance to keep track. On XX/XX/year> my balance indicated an overall balance of {$7400.00} and indicated that I had accrued {$81.00} from the previous month. 

My payment of {$300.00} dollars was processed on XX/XX/year>, however when I logged in today, XX/XX/year>, the website now indicates an overall loan balance of {$8600.00}. Of course, I call to receive costumer support as I am greatly concerned with this discrepancy of {$1200.00} loan increase in less than a month. 

The gentlemans name who answered was a XXXX, but I can not be sure. He was not able to assist me and tried telling me that I needed to recertify my income-based application which determines my monthly payment. Which is usually close to {$90.00} a month, it now indicates my monthly payment required in {$19.00} even though my income has not undergone major changes. According to a letter received by Sloan Servicing, recertification can happen in the event of major financial changes. 

Nevertheless, this still does not explain a {$1200.00} increase in loan debt in less than a month. I asked if the information had been manipulated somehow or if he/someone could investigate. I questioned the legitimacy of the company to which I was told they were legitimate and nothing was manipulated. I was put on hold on several occasions ; I waited on the phone line for 1 hour. The number that I called was ( XXXX ) XXXX. I am an individual determined to pay off my debt. I have an excellent credit score and history. I have documented all my payments and proof to support what I am stating. I am deeply burdened with this loan increase that is considerably suspicious. I hope you find it in your heart to stop this and find restitution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Hello CFPB, PHH Mortgage, Onity Group, This is a continuation of case # XXXX. The Ombudsman Office sent me a letter of response to my feedback in XX/XX/XXXX. A couple of things were addressed. XXXX ) The reason for the PMI cancellation request denial was corrected and explained with new information. This explanation is included in the attached letter. If this information is accurate, then I can move on from this complaint. XXXX ) My account is in a Forbearance plan for XXXX, XXXX, XX/XX/XXXX due to a temporary hardship. Confirmation is in the communications from the PHH Relationship Manager and the Ombudsman Office. This is appreciated. During a phone call with my Relationship XXXX XXXX, I shared how it wouldn't be possible to make a total of XXXX mortgage payments of {$12000.00} in XX/XX/XXXX. The conversation was cordial. He understood my position and advised me to call back in XXXX XXXX to discuss an extension. Something manageable given the circumstances. During my job interviews, hiring managers shared they're taking vacations during the holidays and not bringing in new hires until first quarter in XXXX. 

My account was current when it entered the Forbearance plan for XXXX, XXXX, XX/XX/XXXX. Although it's been confirmed that my account is in a Forbearance Plan, PHH Mortgage sent me an early intervention letter on XX/XX/XXXX and claimed my account is not in a Forbearance Plan. The letter is attached here. On XX/XX/XXXX, I called and spoke with an agent named XXXX ( Agent ID : VIL ). I believe the agent ID is correct. It was difficult understanding what she said. XXXX said my account is not in a Forbearance plan. She kept asking me why I needed a forbearance. At that point, I felt she was harassing me. When I told her my Relationship Manager and the Ombudsman Office confirmed the account is in Forbearance, it became very confusing. She said payment wasn't due. XXXX made this statement after telling me my account wasn't in a Forbearance plan " anymore ''. Between the early intervention letter, a letter stating my account is not in forbearance and constant calls, I requested to speak with the Relationship Manager. This was my request to XXXX. She said the soonest I could speak with XXXX or any Relationship Manager is XX/XX/XXXX at XXXX pm EST. This means I have to wait during and after XXXX week in stress and confusion to discuss what's going on with my account to the Relationship Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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