vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In speaking with Chase customer service I was advised that if I paid the balance in full I would not be charged interest. I paid the balance in full but find an interest charge on my account of {$91.00} labeled as residual interest. 

I have never had as much difficulty getting accurate information from call centers about how a product works- I have never been charged residual interest by any other credit card company - the XXXX indicated if the balance was paid in full there is no interest which implies that there is a grace period on charges if the full balance is paid by its due date as this card has worked for me since its inception. So given the call where they tell me pay the balance in full and no interest will be charged that is my expectation. 

But apparently not so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CITIBANK, N.A.
State: SC

Complaint narrative:
To close the complaint recapture of 12 U.S.C. Section 92a certification recalls to credit reporting, separation of powers clause the illicit exporting excise exempt personal property certificate assessments Financial Statements XXXXXXXX  periods in rudimentary analysis to 7 C.F.R. Part 3052, third parties 12 U.S.C. Section 1832c instrument withdrawal applications, the export auditing identifiers fees due concerning 18 U.S.C. Section 2314 owner exempt tax stamps affected 18 U.S.C. Section 661 Federal Reserve Banking laundering ; the scope unchanged as to third parties sanctions preventive measures against securities underwriting, these transactions, the sales of original issues Customer Name XXXX XXXX. The revised " XXXX XXXX Financial Statements '' appropriation separate applicants review of the interstate export in-bond destination hold port discrepancy identifiers, ( Identity theft 18 U.S.C. Section 1028A ), procedures for duties 19 C.F.R. Part 24.1, in description of third parties withdrawals, 19 C.F.R. Part 18-19, 12 U.S.C. Section 1821d contractors or employees, personam requirements auditee 's book-entries, ( IRS-TreasuryDirect ) and DCOTR Names, Addresses, Titles, SSN 's, EIN 's, Excise Tax Stamp Rate Uses, Banks-FRB 's, Contractor 's, Currency Withdrawals ' of, Original Issue State, Original Issue Auditors, Original Issue Treasurer 's, Original Issue DOR, Original Issue IRS. Separated Appropriation duties payment, Export Applicant 's Auditors In bond changes 18 U.S.C. Section 554, customs duties, taxes, fees, interests, and other charges requiring the use of a social security numbers, passport numbers, or driver 's license numbers, Export Applicant 's Auditors States, Third Party Applicant 's conspiracy in connection to Bank-FRB 22 U.S.C. Section 2778, Third Party Jurisdiction and Classification Determination, to extent of state jurisdiction sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX put a {$3100.00} hold on my bank account for a judgment that was awarded to XXXX XXXX in XXXX  I didn't receive any letters or any certified letters about a court date in XX/XX/year> it's now XXXX years later past the XXXX  year statue of limitation in Pennsylvania

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Apparently someone got hold of my information and opened up a credit card in my name. I did reach out to the company but its still on my credit report I never even lived at the address the company talking about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: AR

Complaint narrative:
First Progress is run by Synovus Bank, XXXX GA XXXX sent to First Progress XX/XX/scrub> XXXX : Card was cancelled our request in letter we sent XX/XX/year>2024. They cancelled card after statement date of XX/XX/XXXX. 

This is what we said in fax to XXXX XXXX We cancelled this account by letter on XX/XX/XXXX. Of course, you waited until after the next billing date to post the letter so you could start charging late charges. 
I paid you {$15.00} to clear the account ( before the XX/XX/XXXX billing date ) and you were actually overpaid by XXXX. 
Please close the account with a {$0.00} balance and refund us the XXXX and take off negative comments on the credit bureau reports. 

I have also filed a complaint with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have gotten repeated calls and my daughter and my step dad have gotten calls from this company that calls themself a litigation company. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and they are using phone numbers XXXX, XXXX and XXXX. A man who calls himself XXXX XXXX told me that I owed a debt from XXXX XXXX Citi-Financial for over {$5000.00} and if I didn't pay {$2500.00}, they would take me to court and I would have to pay over {$10000.00}. They stated they mailed me something in XXXX but I never received anything, I asked them to email a validation of debt and they emailed me a document which looks like they created it, with the XXXX XXXX XXXX XXXX on top and the amount of {$2500.00} and they wanted me to sign this validation of debt which I did not. Then they kept calling me and telling me that I'm refusing documents so now they are going to take me to court and I will be served. I told them to serve me then because by law they need to show me validation of debt which needs to include a final statement from the debt, my last payment, and any charges associated with this debt and they kept saying they sent me this in XXXX. I called them back XXXX last time today to get all the mailing information so I could file a complaint.

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 2025-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint against Beyond Finance for deceptive and misleading business practices related to their debt settlement program. I enrolled in their program in XXXX to settle my outstanding debts, and at the time of enrollment, the representative did not disclose critical details about the fees associated with settling my accounts. 

Recently, I attempted to pay off one of my enrolled accounts, for which I had already submitted {$1900.00}. However, I was then informed that I must pay an additional {$1000.00} due to a 25 % settlement fee that was never clearly explained to me during the enrollment process. Upon questioning this charge, Beyond Finances customer service representative stated that it was part of the agreementyet this fee structure was not made transparent when I signed up. 
This is not the first account that was paid off and never was i approached with the 25 % fees. 
I currently have three remaining accounts in the program, and I am now learning that I will be charged a 25 % fee per settled account, and on the original amount of the debt. which significantly increases the cost of the service and contradicts the impression I was given at the time of enrollment. Had I been made aware of these excessive fees upfront, I would not have agreed to participate in their program. 

I just paid off the remaining amount owed to XXXX in the amount of XXXX when i requested to pay it off there were no mention of 25 % fee. I was simply told that it will be paid on XX/XX/XXXX which it was. On that day i notified of the additional deposit of XXXX to pay off the XXXX XXXXXXXX account nd was told it will be applied on XX/XX/XXXX. 
when i called today i was given a different story. I asked to be provided to satisfactory letter and was told that has to come from the creditor and that they do not keep track of this document. 

Beyond Finances failure to fully disclose these charges appears to be an unfair and deceptive business practice, which may violate consumer protection laws. 

I respectfully request that the FTC investigate Beyond Finances practices and take appropriate action to ensure transparency and fairness for consumers. I would also like to know if I have any recourse to dispute these fees or seek a refund for the misleading information provided. 

Please let me know if you require any additional documentation. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Cashapp. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX2024 noticed a utility bill collection for {$61.00} on my credit report. I disputed it as not mine -- it was removed by XX/XX/XXXX 2024. The same collection showed up again in XX/XX/XXXX2025 on XXXX. I disputed it as not my debt, but it is not removed. 

The collection company sent me a journal of all my payment history with the utility company. Everything always paid on time except a final entry in late XX/XX/XXXX2021 showing {$61.00} not paid. The collection company 's letter contains a utility account number that does not match my former account number. 

I moved from the address in XX/XX/XXXX 2021 ( sold home ) and asked the utility company for a final reading and final bill. They did ( copies attached ) for a XXXX XXXX '' of {$16.00} f or which I paid in XX/XX/XXXX2021 to close the account ; utility company sent me an email receipt ( attached ). 

I filed a dispute with XXXX then the collection company started contacting me. This is not my debt evidenced by my final bill payment with receipt and the account numbers on the collection do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previous disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previous disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over XXXX  days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.

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 2025-02-26 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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