vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I have been disputing multiple issues with the credit bureaus, including fraudulent accounts that have been incorrectly marked as accurate, a duplicate account, and a late payment that is inaccurately reported. Despite submitting proof of fraud and providing supporting documentation, including an FTC Identity Theft Report, the credit bureaus have failed to address these issues after several disputes. 

The fraudulent accounts have been marked as accurate, even though I have submitted evidence showing they were not opened by me and are the result of identity theft. In addition, a duplicate account is still reported on my credit report, and a late payment from the previous year remains, both of which are inaccurate and unverified. 

I have disputed these accounts multiple times, but the credit bureaus have failed to either verify or correct the errors. They have not provided any documentation or explanation to show that the accounts, late payment, or duplicate entry are legitimate, despite my efforts to resolve these issues. The credit bureaus have also failed to meet the legal requirements under the Fair Credit Reporting Act ( FCRA ) to correct or remove the inaccurate information within the required timeframes. 

As a result, these inaccuracies are harming my credit and causing unnecessary financial harm. I am requesting that the credit bureaus immediately investigate the fraudulent accounts, delete the duplicate account, and remove the unverified late payment from 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 explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Hi, I was trying to send {$3000.00} to my wife in the XXXX. I did everything XXXX request for security purposes and they would not transfer the money. When I asked the reason, they said " we are uncomfortable '' with this transaction. I asked them if it was because I was a XXXX veteran or if was because I bank with XXXX XXXX or it was because if my wife is a XXXX XXXX and they still gave me no reason. 

I believe they wouldn't transfer this money due to my status as a XXXX veteran and the fact my wife is a XXXX XXXX. Since they gave no other reason, I have to assume XXXX XXXX  veterans and is XXXX against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one failed to properly investigate unauthorized payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally lodge a serious complaint regarding the handling of my refund request for my closed Chase Sapphire credit card account. This entire process has been extraordinarily frustrating, and I am deeply dissatisfied with the lack of urgency, clear communication, and follow-through from your customer service team. 

In XX/XX/XXXX, I closed my Chase Sapphire credit card account and discovered a credit balance of {$880.00}. I contacted your customer service department multiple times in XX/XX/XXXX to request the refund. After several phone calls, I was emailed a transfer request form to have the funds refunded to my checking account. I completed and submitted this form on XX/XX/XXXX, and the request was processed on the same day. 

However, after XXXX days, I noticed no refund had been credited to my checking account. I followed up with customer service, and while the representative assured me the refund request had been processed, I was informed that the only solution was to issue a physical check. I was told this check would be mailed to me in XXXX business days. 

I waited patiently for the check, but by the second week of XX/XX/XXXX, I still had not received it. When I called customer service again, I was told the check had already been mailed and was asked to continue waiting until XX/XX/XXXX. At this point, I began to feel like my issue was being ignored. 

On XX/XX/XXXX, I called once more, and I still had not received the check. I have verified my mailing address several times and confirmed there are no issues receiving mail. Despite this, I was told to continue waiting. I then requested that the check be sent via XXXX, offering to pay for the expedited service, so I could track its delivery. The representative refused to accommodate my request and stated that a new check could be issued, but I would have to wait another XXXX business days until XX/XX/XXXX. 

This delay, lack of communication, and refusal to take appropriate action is completely unacceptable. Chase Sapphires inability to address my refund request in a timely manner and the failure to acknowledge the urgency of my situation reflect poorly on your customer service and your commitment to customers. 

To resolve this issue, I demand the following : Immediate processing of my refund with proof of processing. 
If the refund is to be mailed, it must be sent via certified mail or XXXX to ensure I can track its delivery. 
A detailed explanation as to why my refund has been delayed for this extended period, and what steps Chase Sapphire is taking to ensure that I can get my refund back. I want them to treat me seriously even thought I have closed account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am filing an urgent complaint regarding my Sallie Mae student loan account. Someone elses personal information was added to my account without my consent. When I reported the issue, my account was locked for investigation, and my in-school payment status was removed, despite being an active student. As a result, regular payments were deducted without my knowledge or any correspondence from Sallie Mae. 
I have followed every step they instructed me to takesubmitting school verification, making calls, and repeatedly trying to regain account accessbut the issue remains unresolved. Despite this, they continue to contact me about late payments. I have no way to verify whether the payments I am making are being credited to my student loan account or someone elses. Additionally, I do not know whether my personal information was added to another persons account. 
The only information that is correctly associated with the account is my bank account detailseverything else belongs to someone else. Sallie Mae confirmed that payment confirmation emails were being sent to the individual whose information was added to my account. When I asked them to fix this, they claimed there was no way to ensure that I would receive them instead. This means that someone else is receiving my payment details while I remain financially responsible for transactions I can not track. 
Furthermore, a real person ( not an automated system ) has been calling my cosigners, falsely claiming that they must submit a paymentdespite the fact that the payment was already scheduled and processedto avoid being reported to credit bureaus. When I confronted Sallie Mae about this, they assured me they would put a note on my account to stop these calls. However, less than five minutes after I hung up, my cosigner received another phone call ( again, from a real person ) and an email threatening further action if the payment wasnt madedespite it already being scheduled during the call. 
Even worse, Sallie Mae has refused to allow me to remove my bank account details while they claim to be working on fixing the issue, leaving me financially vulnerable. XXXX advised me to stop payments until the issue is resolved, but I continue to receive overdue notices and threats of credit bureau reporting. 
Sallie Maes failure to correct this problem, which has persisted since XXXX, raises serious concerns about data security, deceptive business practices, and account mismanagement. 
I appreciate your prompt attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I have a Square POS system on my foodtruck to process XXXX, with this system I got a Bank Account with Square and a Debit Card. Which since the begining carefully I selected that I will never authorized a Overdraft. 

On XX/XX/XXXX I saw in my square account that I got XXXX transactions with pending status from XXXX XXXX, each transaction was {$100.00}, so I called to XXXX and I reportes, Square representative told me about Block my card in square app few days to avoid any issue, but that square couldnt do much for me because both transactions were on pending status and I had to wait until were complete or they reverse it. 

My first surprise was that on XX/XX/XXXX I got another charge from XXXX XXXX for {$150.00}, inmediately I called to square, I disputed this transaction and I reported to square that my account was in overdraft which I never authorized. XXXX agent told me that he would void my debit card and will request a new one to avoid that I could get more withdraw money in fraudulents transactions. I received an email from square about the estimated date of arrival for my new debit card as proof. 

My biggest surprise and the motive that I am reporting square is that on XX/XX/XXXX, with my debit card desactivated by square and a new debit card was being delivered to me in few days was that still I was being charged for XXXX XXXX for the extra amount of {$150.00} again, inmediately I disputed in the app and I called a representative because this is a clear case of fraude, in that time mu account ( eventough was reported ) was in overdraft for - {$300.00}. 

XXXX agreeded few days later that I will receive a temporary credit for {$300.00} while they were working on my case. 

Last week I received an email from square telling me that they will reverse my temporary credit for transaction on XX/XX/XXXX on XXXX XXXX, because someone in XXXX told them that I made this transaction in person. Since that day I am activelly calling them and filing reports asking them to re open my case, because how can work a debit card without my presence, and which was desactivated. After call them 5 times I received an email from a square agent, telling me that unfortunately they will keep the reverse of {$150.00} because they investigated and I used this card ( desactivated one day before of this transaction in person ), I explained them again about their mistake and they continue ignoring my emails with no answer and a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : ACCOUNT : REPO AUTO ACCOUNT NUMBER : XXXX account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX has XXXX to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I did not receive any notice from : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my XXXX XXXX and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$17000.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I have tried to get Experian to correct wrong entries on my credit report that effect my fico score and return proper score points back on my report also Question how my fico did not increase after drastic positive changes on my credit report in over a year paying never late, I will attach copies not correct entries with statement summary from creditor.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've had a Chase XXXX XXXX credit card for many years. My due date is the XXXX day of the month. In XXXX, that date was XX/XX/XXXX - a SUNDAY. So, my payment ( sent by bill payment services via XXXX XXXX arrived the next day on MONDAY. 
They charged me a {$35.00} late fee. 
When I called them up, they agreed to remove the late fee but insisted that I should have either paid earlier or figured out a way to pay on Sunday ( he suggested using the Chase app ). 
Doesn't the The CARD Act ( Credit Card Accountability Responsibility and Disclosure Act of XXXX  ), a U.S. federal law designed to protect consumers from unfair credit card practices, say that : " If the due date falls on a weekend or holiday, payments are considered on time if received by the next business day. ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested Experian to update my personal information, but they have failed to make the necessary corrections. I have submitted all required supporting documents to verify my updated information, yet the issue remains unresolved.

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 2025-02-28 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: GA

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
DEPTEDXXXX XXXXXXXX Balance {$63000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$8800.00XXXX XXXX XXXX  XXXX XXXX Balance {$14000.00}

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I called Experian Asked why my fico score the same as XX/XX/XXXX with XXXX lates with debt reduction balance of XXXX in XXXX less than XXXX with no lates? 
XXXX balance {$330000.00} fico score XXXX same fico model XXXX XXXX balance XXXX fico score XXXX model fico model XXXX This is impossible. see attached back up.

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 2025-02-28 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: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation