vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>2025, multiple unauthorized POS transactions occurred on my Chase checking account at XXXX grocery stores in Kansas, totaling {$330.00}. I am a full-time XXXX at the University of Maryland XXXX XXXX XXXX and have never traveled to Kansas. These charges were made using point-of-sale ( POS ) terminals requiring a physical card, which was never in Kansas, as I was present in Maryland the entire time XXXX 

Fraudulent Charges Include : XX/XX/XXXX XXXX XXXX, KS {$81.00} XX/XX/XXXX XXXX XXXX, KS {$82.00} XX/XX/XXXX XXXX XXXX, KS {$87.00} XX/XX/XXXX XXXX XXXX, KS {$86.00} Total Fraud Amount : {$330.00} As a XXXX, I rely heavily on financial support from my family to cover essential expenses. This incident has impacted my ability to manage my limited funds. 

I filed a fraud claim immediately and provided Chase with : XXXX XXXX transaction records proving I did not use my Chase card during these charges. 
XXXX account statements verifying my local purchases in Maryland during this time. 

Despite clear geographic and transactional evidence : Chase initially refunded the amount but later reversed it without providing a valid or clear explanation. 
Multiple claims were opened and closed without a thorough investigation or resolution. 
My requests for transparency were repeatedly dismissed, and when I finally reached a supervisor, the call was abruptly disconnected after receiving the same dismissive response. 

I believe Chase has mishandled this case, ignored key evidence, and failed to honor their XXXX Liability Policy. 

As a XXXX  managing limited resources and trusting my bank to protect my funds, this experience has been frustrating and disheartening. I respectfully request CFPB intervention to ensure this dispute is properly investigated, and that I am refunded the {$330.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-17 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have two late payments reported on a credit card, but it's never been late. I contacted the bank, and they won't remove it. 

MOUNTAIN AMERICA FCU account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Can't login to website. Can't verify my identity due to a no-longer used phone number. There's no way to get access to update my information and no way to unfreeze my 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 2025-03-17 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: GA

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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XX/XX/2023 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received two emails for two separate American Express cards I have. One had a limit of {$6000.00} and one had a limit of {$20000.00}. They decided to lower my limit due to my credit score decrease. I had a balance of {$750.00} at the time for the {$6000.00} limit and {$3000.00} at the time for the {$20000.00} limit. They decreased my limits to {$1200.00} and {$3600.00}. Instead of a 12 % and 15 % credit card utilization, my utilization is over 95 % for both cards. This will reflect on my credit report and raise my utilization and decrease my credit score even more. No where on their advertising does it say the amounts of decreases and it should it it will negatively impact ones credit score. This is not only bad business but highly unethical. I have never missed a payment and was a responsible card holder. They said I could appeal by either connecting my bank to review statements or submit three consecutive bank statements. The connection timed out and never worked. I then downloaded three statements from my checking account and three times they sent an email saying I sent the wrong information. I eventually called. On XX/XX/scrub>/2025 I spoke with a woman named XXXX from the Responsible XXXX XXXX team. At first she claimed my bank statements were credit card statements. After I had her walk through one with me, she realized it was a bank statement. Then, she proceeded to tell me that my account number were starred out and they couldnt validate this was my bank statement even though my name and address were literally on the paperwork and payments made to AMEX were visually present. She claimed that my full account number needs to be on it. Then asked me for last four digits which I gave but said no, that needs to be on statements. I explained my credit union doesnt do this for security purposes but she insisted I could appeal if I called my bank to print this on the statements. I refused to keep pursuing the appeal because it became obvious no matter what I provide, they simply wont change the course of action they took to lower my credit limits. If this is how customers get treated, its an unfair practice and needs to be abolished. No one with a credit card will ever get ahead this way. I decided to close my accounts with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX, XXXX, and Transunion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to make sure that you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. Please delete the following inaccurate names : XXXX needs to be spelled with an ( " ) = XXXX, as shown on my Birth Certificate. I have no " also known as '' names. Please delete the following inaccurate addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The ONLY address that should be reporting is XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ONLY employer that should be reported is " XXXX XXXX XXXX XXXX XXXXXXXX By reporting these inaccuracies you violate 15 U.S.C 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. XXXX, XXXX, and Transunion have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury. Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 15

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 2025-03-17 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:
Under the FCRA, I am entitled to dispute inaccurate information, and I expect that your company investigates and rectifies the issue as outlined in the Act. As per 15 U.S. Code 1681i, I request that you investigate these items, correct any inaccuracies, and notify me of the results of the investigation within the required timeframe.

Additionally, I would like to remind you that any willful failure to comply with the FCRA, as outlined in 15 U.S. Code 1681o, may subject you to civil liability. I trust that this matter will be resolved in a timely and accurate manner to avoid any further legal action.

Please provide me with written confirmation that the dispute has been resolved, and update my credit report accordingly.

Thank you for your attention to this matter. I look forward to receiving confirmation that this dispute has been handled promptly. 

XXXX XXXX XXXX Date opened:XXXX Account charged off. {$15.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXXDate openedXXXX Status : Open. Deferred, payments begin XX/XX/XXXX. 
Balance : {$4000.00} Date opened:XXXX Status : Open. Deferred, payments begin XX/XX/XXXX. 
Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXXDate openedXXXX Status Account charged off. {$230.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Balance : {$250.00} XXXX-Date opened:XXXX Paid, Closed. 
Status updated XXXX XXXX XXXX Date opened:XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$480.00} Balance updatedXXXX XXXXXXXX XXXX XXXXXXXX XXXX Date openedXXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX XXXX Date opened:XXXX  Collection account. {$340.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$340.00} Balance updated : XX/XX/XXXX XXXX XXXX XXXXDate opened:XXXX Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$3400.00} Balance updated:XXXX XXXX XXXXDate opened:XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$550.00} Balance updated:XXXX XXXX XXXXDate opened:XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance : {$1500.00} Balance updated : 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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally request your assistance regarding an issue with my federal student loans, which are serviced by MOHELA. Despite being enrolled in the SAVE repayment program since XX/XX/XXXX and my loans being placed into forbearance per the court order in the summer of XXXX with a 0 % interest rate, I have continued to accumulate interest on my balance. 

I have repeatedly attempted to contact MOHELA for clarification, but they have not provided any explanation or resolution for this discrepancy. Additionally, their communications have been inconsistent and confusing. For example, in XX/XX/XXXX, I received a letter stating that accrued interest would continue to be added to my balance. However, the loan breakdown on the next page of the same letter showed the interest rate as 0 %. This contradictory information makes it difficult to understand what is actually happening with my loans. 

Given MOHELA 's lack of response and the financial impact of this issue, I am seeking your offices guidance on how to proceed. Is there any action you can take to hold MOHELA accountable or assist me in resolving this matter? 

I appreciate your time and any assistance your office can provide. Please let me know if you require any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: KY

Complaint narrative:
on XX/XX/year>, i got a notification stating my account was permanently closed from cashapp due to going against their terms of service. they gave me the option to appeal, and i did, only to be denied. i emailed cashapp asking the specific reason why my account was closed and received no response. I have noticed im not the only customer who this has happened to and believe that my account was closed by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
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 2025-03-17 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: EdFinancial Services
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a XXXX federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXX UNIVERSITY Current Owner XXXX DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX  XXXX UNIVERSITY Current Owner XXXX DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type DIRECT School XXXX UNIVERSITY Current Owner XXXX DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX UNIVERSITY Current Owner XXXX DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : 4

Company response to consumer: Closed with explanation