vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan Chase reported inaccurate payment information to the credit bureausXXXX, XXXX, and XXXXmaking it seem that I have more late payments on my account than I actually do. My financial situation was severely impacted by XXXX, and during the difficult period from XXXX to XXXX, I struggled to make payments, facing the threat of homelessness until my husband secured employment. To manage my debts, I joined a debt cancellation program aimed at helping me pay off my obligations to JP Morgan Chase. 

The documentation reveals discrepancies in the reported payment months : while JP Morgan Chase reported payments for XXXX, XXXX, XXXX, and XXXX of XXXX to XXXX, XXXX and XXXX recorded payments for XXXX, XXXX, XXXX, and XXXX of the same year. Each credit bureau received a direct refusal from JP Morgan Chase to remove these inaccuracies. Despite my efforts, including sending goodwill letters and making phone calls requesting corrections, the bank has consistently denied my requests. 

I regularly check my credit reports and dispute inaccuracies whenever necessary. I have expressed the urgency of my situation, as the existence of these late payments could hinder my chances of securing a mortgage for a home purchase. In light of JP Morgan Chase 's continued refusal to rectify their reporting errors, I have decided to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure appropriate action is taken. Additionally, I am making regular payments to demonstrate my commitment and appeal for reconsideration, despite the error originating from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX  XXXX - XX/XX/year>

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 2025-03-04 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX XXXX XXXX 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. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  ( Account Number : XXXX ) Reported as a third-party collection account. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Charged off. 
XXXX XXXX XXXX  ( Account Number : XXXX ) Charged off. 
XXXX XXXX ( Account Number : XXXX ) Charged off. 
XXXX XXXX XXXX ( Account Number : XXXX ) Reported with late payments. 
XXXX XXXX XXXX ( Account Number : XXXX ) Paid, Closed with late payments. 
XXXX XXXX XXXX ( Account Number : XXXX ) Paid, Closed with late payments. 

PLEASE SEE THE ATTACHED.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my card information was compromised and multiple unauthorized charges were made on my account. Wells Fargo sent me a notification re suspicious activity, so I immediately contacted the fraud department and cut off my debit card. Unfortunately, they had already hit the account, and over the course of the next few days, multiple charges showed up in various states of processing ( pending, posted, returned, etc. ) Of those charges, there were XXXX charges made at a XXXX location in XXXX XXXXXXXX XXXX One for {$59.00} and the other for {$430.00}. 

I have never been to XXXX XXXX, nor do I have any known associates, family members or friends in XXXX XXXX. Both of the fraudulent charges made at the same location were provisionally credited back to my account after I initially disputed the charges. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that their investigation concluded that the charge for {$430.00} WAS authorized by me or someone I know. This information is incorrect and had already been disputed directly with the bank. 

On Monday morning, shortly after the Claims Assistance Center opened for the day, I called to further discuss my claim. I was told that the purchase was a PIN Authorized purchase, therefore it was " obviously '' me that made that purchase. I reiterated to the representative that I had never been to XXXX XXXXXXXX XXXX and had never given anyone authorization to use my debit information. I also informed him that there were MULTIPLE fraudulent charges made, all of which had been confirmed as fraud and credited back to my account. This charge was at an identical location as one of the other fraudulent charges and this was obviously part of that string of compromise. 

I was essentially told, " Sorry you're unhappy with the conclusion, but you did this. '' I have banked with Wells Fargo for well over a decade. To have my trusted institution shrug me off so flippantly was a betrayal of trust. 

I wrote a long letter to appeal the decision and included various documents and evidence to support my appeal, including employment timesheets and screenshots of my XXXX camera showing both myself and my husband present in XXXXXXXX XXXX on the day of the supposed " authorized '' purchase in XXXX XXXXXXXX XXXX On XX/XX/XXXX, the {$430.00} provisional credit was removed from my account, and my checking account was charged accordingly. Now I am out over {$400.00} because they can't take the time to review the information presented and use common sense to see the clear and obvious fraud that took place.

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 monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX the following XXXX unauthorized transactions were charged to my XXXX account and debited out of my Chase checking account that is linked to my XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not familiar with any of these businesses, nor did I authorize these transactions. I also have not shared my phone, computer or XXXX logon credentials with any person. 

I have contacted XXXX XXXX and they stated they do not take XXXX as a type of payment. I have left a voice message on what is said to be XXXX XXXX XXXX XXXX XXXX with no return call given. I can not find a website or contact number for XXXX XXXX XXXX. 

I started a dispute with Chase bank on XX/XX/XXXX that was denied today XX/XX/XXXX with them stating there was not enough information to prove that these were fraudulent charges. 

I also started a dispute with XXXX today XX/XX/XXXX. They said to give them XXXX business days to process the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: 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 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 2025-03-04 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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, XXXX actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as Equifax has failed to fulfill its legal obligations. 

Below are the accounts I have marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX - xxxxxxxxxxxx XXXX {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2900.00} Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-04 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Complaint Update - Additional Evidence of Deceptive Practices New Evidence of Undisclosed Fees & Deceptive Lending Since filing my initial complaint, I have reviewed my records and wanted to add critical new information that further supports my case : The vehicle was involved in three separate accidents, 2 of them within the first year of ownership : Two rear-end collisions One head-on collision with another XXXX XXXX  Despite these significant accidents, we never used the Ally Premier Protection ( {$2900.00} ) because we were never informed it existed or what it was for. 
Had we been aware of this coverage, we would have used it instead of our personal insurance to cover the repairs. 
This confirms that the Ally XXXX XXXX plan was added to the loan without our knowledge or consent, otherwise, we would have used it during these incidents. 

Lack of Proper Disclosure & Potential Loan Packing The contract itemization shows the {$2900.00} charge, yet there are no signatures approving this fee. 
The only signed section pertains to XXXX insurance, meaning we were unaware that this additional coverage was included in the financing. 
The failure to disclose this service, coupled with its inclusion in the loan without explicit approval, raises serious concerns of predatory lending and deceptive business practices. 

How This Violates Consumer Protection Laws 1. Truth in Lending Act ( TILA ) Violation Failure to properly disclose an optional add-on service and its financial impact on the total loan amount.

2. Unfair and Deceptive Acts and Practices ( UDAP ) Adding an undisclosed service without consumer knowledge or consent constitutes loan packing, which has been the subject of regulatory actions against auto lenders.

3. Unjust Enrichment Ally Financial collected payments for a service that was never disclosed, never used, and never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-03-04 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-04 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Someone ordered service in my name without my permission or knowledge, phone number, email or signature. Rash and Curtis pulled my identifying information from a previous matter that was in their office. they stated they received my information from their client, but i have a recording with their client stating they do not collect that information. Rash and Curtis lied about receiving my personal information from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My family and I are going through a really difficult time, and dealing with XXXX XXXX XXXXas only made things worse. Ive been doing my best to make partial payments when I can, but my father recently suffered a XXXX XXXXXXXX, which has taken a huge toll on both me and my mother. He also has stage XXXX XXXX failure, and this vehicle is the only reliable transportation we have to get him to his necessary medical appointments. 

Despite explaining my situation, an employee told me to maybe " surrender the vehicle and find another means of transportation. '' Now, Ive received a notice stating that my car is up for repossession. This is devastating, and the lack of compassion from this company has made an already stressful situation even harder. Im reaching out because I need helpany advice or support would mean so much right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a Belk card under pressure from the sales woman who insisted I would immediately be able to pay off the balance. When calling to pay the balance, I was told I had to wait 24 hours. I called back 48 hours later, and was given the same excuse that my payment had not yet posted. This is pretty transparently an attempt to get people to pay interest as they won't let you pay over the phone or online several days after the purchase was completed.

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