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: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am unable to retrieve exact dates due to the elevation not being resolved with the original bank. I decided to close my account with the original bank and open up another account with a credit union. The bank authorized a transaction that was not approved by myself. I elevated to the bank and was informed XXXX would not be able to retrieve lost funds. I was able to locate the phone number that received the funds but of course had no response. This matter needed to be resolved during that time but the bank failed to take accountability.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, 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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: KS

Complaint narrative:
I am submitting a formal complaint regarding a debt collection issue involving American Cordaious International. The matter involves a {$150.00} debt referenced under Reference Number : XXXX and Account Number : XXXX, which was sent to collections despite the fact that it has already been paid in full. Below are the details of the situation : Creditor : XXXX XXXX XXXX XXXX in Dispute : {$150.00} Reference Number : XXXX Account Number : XXXX On XX/XX/year>, I sent a Certified Check # XXXX in the amount of {$150.00} to XXXX XXXX at the address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. The payment was sent via Certified Mail, and the tracking number for the delivery is XXXX. The payment was successfully received and processed by the intended recipient. 

Despite this payment, I was recently contacted by American Cordaious International, which reported this debt as being in collections, suggesting that I still owe the amount. I believe this to be an error, as the payment was made well within the required timeframe and the amount was fully satisfied. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that American Cordaious International corrects their records and removes this debt from collections immediately. The ongoing reporting of this debt to collections is having a negative impact on my credit and causing unnecessary distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report PNC Bank for unfair and excessive savings account fees and request your intervention in securing a full refund for these improper charges.

Over the past seven months, PNC Bank has repeatedly withdrawn {$3.00} from my savings account on XXXX separate occasions, amounting to a total of {$75.00}. These fees were deducted despite my severe financial hardship, homelessness, and unemployment since XX/XX/year>. 

I proactively contacted PNC Bank to request a refund, explaining my financial situation and the undue burden these fees have placed on me. However, my request was denied outright, with no reasonable justification provided. 

Key Details of My Situation : I had my debit card replaced twice due to fraudulent transactions.

My savings account was my only secure place to store money safely, as my debit card is linked solely to my checking account.

PNC Bank continued to drain funds from my savings account at a time when I was struggling to afford basic necessities.

Despite my history as a responsible account holder and my direct outreach for assistance, I was offered no relief.

This predatory behavior is unacceptable, particularly from a financial institution that claims to support customers facing financial hardship. These repeated deductions have only exacerbated my already difficult situation and show a complete disregard for fair consumer treatment.

Request for Resolution : I respectfully request the Consumer Financial Protection Bureau to : 1. Require PNC Bank to refund the full {$75.00} unfairly withdrawn from my savings account.

2. Investigate PNC Banks handling of hardship requests to ensure compliance with fair banking practices. 
XXXX. Ensure greater transparency and accessibility to hardship assistance for consumers facing financial distress. 

Thank you for your advocacy and commitment to protecting consumers from unfair banking practices.

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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has ignored my disputes for far too long, and I have had enough of its blatant negligence and disregard for my rights. I have provided clear evidence and repeatedly disputed the false and inaccurate payment history on my credit report, yet Equifax continues to recklessly report incorrect information. This is completely unacceptable and has caused me unnecessary harm, financial distress, and ongoing frustration. Under 15 USC 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in the information it reports, yet it has utterly failed to meet this standard. I am done with the excuses, delays, and outright refusal to follow the lawI demand immediate correction of these inaccuracies! The law under 15 USC 1681i explicitly requires Equifax to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Its repeated and deliberate failure to do so proves beyond any doubt that it has not conducted a real investigation. If Equifax had done its job properly, this inaccurate payment history would have been deleted a long time ago. Instead, it has ignored my valid disputes, showing either gross negligence or willful noncompliance with federal law. Furthermore, under 15 USC 1681b ( f ), Equifax has no legal right to report or share false and damaging information without a valid permissible purpose. This fraudulent payment history is tied to inaccurate and reckless reporting, meaning it should have been removed immediately. Its continued refusal to fix this issue makes it fully liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligent violations. This is not just a simple mistakethis is a blatant, repeated, and reckless violation of federal law and a complete disregard for my rights as a consumer. If Equifax does not take immediate corrective action, I will escalate this matter further and pursue every legal remedy available to hold it fully accountable for the harm, damages, and stress it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Transactions were changed to XXXX once they left my bank account and were going to a Chase bank account. My bank had two separate security verification actions that had to take place before the money went out. The XXXX side of the money transfer transactions did not require the recipient to verify or enter any security information or confirmations to finalize the transaction and, since the account no. inadvertently got transposed on accident by the original intended recipient, and when it changed to XXXX transactions into the Chase Bank ( which did have another customer with that transposed account no. already ), it did not require any confirmation or security code from that account recipient and the money went through immediately to the wrong Chase Bank account. 

I tried to both cancel and/or reverse the transactions but no one could stop it. I tried to get the money reversed a couple of days later in person, but my bank said it was out of their hands because it went through XXXX after it was sent to a Chase account and Chase Bank refused to do anything. I was also told by Chase Bank that I would need a police report. My local police department said they could not file a report because there wasn't a person or entity to report as the perpetrator. I was also told by Chase Bank representative in person at XXXX that they would not contact the other account holder and would not investigate. 

I filed a claim in XX/XX/year> here against XXXX. I was contacted one time by phone while driving by a XXXX representative and they said I needed to provide them with the other account holder and XXXX transaction information. I explained that I already provided the information from my bank and the Chase account that the money transfers should have gone to, but I could not get the information for the actual recipient " other '' Chase Bank account-holder because I did not have rights or access to that information and that XXXX would have to get that. The XXXX representative said that, if I couldn't get the information, then she was closing the claim.

ChaseXXXX made fraud easy by not having security and verification procedures for transactions and refused to help victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent inquiry that appears on my credit report. This inquiry was never authorized by me, and I have no knowledge of it ever being made. It is clear that this is a fraudulent action, and I expect immediate action to resolve this issue.

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"

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: 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX XXXX XXXX XXXX, personal 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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX managed by XXXX for a number years and set auto payment to pay the monthly due at full. I recently changed the bank account for the auto payment and the payment went through on XX/XX/XXXX as scheduled, that was supposed to allow us to purchase using the credit cards. 

Our credit limit is {$54000.00} and the available credit before the XXXX payment was close to {$1000.00}. The auto payment of approximately {$30000.00} went through on XX/XX/XXXX and my bank online statement shows the payment was cleared. We were supposed to have {$31000.00} of available credit after XX/XX/XXXX, however, when I was going to pay an accommodation fee at a hotel in the amount of approximately {$1800.00} on XX/XX/XXXX, the payment attempt was declined. 

I called XXXX on XX/XX/XXXX and was told that the {$30000.00} of payment will be hold until XX/XX/XXXX as I changed the bank account, resulting in the available credit kept at {$1000.00}. This is unreasonable and unfair as I already paid {$30000.00} and I have right to use the available credit of {$30000.00}. I demanded the bank to fix the situation, but the bank said it would do nothing until 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 2025-02-24 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I made a purchase of {$350.00} at XXXX  XXXX  on XX/XX/2024 using my apple card. 
The merchant shipped the item to me but the size and quality of the item did not match the item advertised. I returned the product as per their method but never got the refund from them. All requests/emails to the merchant went unanswered. 

I raised a dispute with my credit card company but they sided with the merchant. 

Need help in getting my refund issued to me

Company response to consumer: Closed with monetary relief