vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I believe my Chase bank account was compromised several months ago, possibly through a hacking incident. As a result, I was made ineligible to use XXXX, and my access to XXXX was permanently revoked. I immediately contacted Chase to report the issue and followed all necessary steps, including securing my account and verifying my identity. However, despite multiple calls and attempts to resolve the issue with both Chase and XXXX, I have been unable to regain access. 

I have done everything in my power to correct the situation. I feel that I am being unfairly penalized and have not been given a clear reason or path to resolution. I am requesting that my XXXX access be reviewed and restored. I have been banking with Chase since I was able to open up an account and this treatment is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I was supposed to get our monthly statement so that we could make our monthly payment. I always pay off the total balance on all my credit cards and other accounts. After noticing that I had not received the XXXX statement, I contacted the company. They told me that they had a glitch in their system, and that's why our statement was never emailed to us. They told us that if we paid the past due balance, they would waive the late fees and interest charges. Our account had the XXXX amount due and the XXXX amount due, which made us go over our limit. I have been getting notices from all the credit card companies, including XXXX, XXXX, XXXX XXXX, etc., saying that we had been overcharged on our account from XXXX XXXX. My credit score went from XXXX to XXXX. This is something that I take very seriously. I want them to contact the credit reporting companies and let them know that it was a mistake on their part and to restore my credit score.

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 2025-04-21 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: OK

Complaint narrative:
Transunion is showing a collection on my account from XXXXXXXX XXXX with the original creditor of XXXX XXXX They have investigated this 4 times now always stating it is a valid debt despite me having documentation stating this is being paid by my debt consolidation thru XXXX. I just called them about this after opening a dispute again and have advised I have documentation regarding this but per transunion I can not submit this to them while there is an open dispute. Per what I know I can not submit this when I create the dispute. Seems odd any one can claim I owe them and I have to fight to get it taken off my report. Something has to change with this system

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 2025-04-22 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: SC

Complaint narrative:
To whom this may concern, I pull my consumer report and witness and circled a lot of inaccuracies. That is destroying my consumer report. These negative items have been placed on my consumer report without my ( CONSENT )! 15 U.S.Code 1681 ( a ) ( 4 ) decree and declares that I the consumer has the right to privacy.

AFFIDAVIT Notice, it is a fact, I the affiant and the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ).

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley 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 2025-04-22 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  has violated my rights. 

I looked at my XXXXXXXX XXXX Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-22 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit Bureau will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate, account name : XXXX XXXXXXXX account number : 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 2025-04-21 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit Bureau will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate, account name : XXXX XXXXXXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Regarding Kohls/ Capone account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. I no longer live at XXXX XXXX XXXX XXXX Ga, so if you could please send it to the address listed below, thank you. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I submitted a negotiable instrument ( bill of exchange ) to PennyMac Loan Services , LLC as full satisfaction and settlement of my mortgage obligation. PennyMac refused to accept the instrument as payment, stating they do not recognize that form of tender. However, rather than returning the original instrument, they unlawfully retained it and only provided a photocopy. This act constitutes unjust enrichment and potential mishandling of a financial instrument. 

At the time of submission, I included a XXXX  claim asserting my rights under Arizona XXXX XXXXXXXX and XXXX, which legally establishes my continuing claim to the instrument. PennyMacs actions indicate they are merely a holder of the instrumentnot a holder in due courseand have no lawful right to enforce or retain it.

Despite this unresolved financial dispute, PennyMac proceeded to initiate foreclosure by recording a Notice of Trustee Sale in XX/XX/XXXX. A foreclosure sale is now scheduled for XX/XX/XXXX. Under the threat of losing my home of 27 years, I was pressured into accepting a loan modification agreement under protest. This occurred without the return of my instrument or proper resolution of the payment dispute, intensifying my financial injury. 

Furthermore, I formally sent a certified letter to PennyMac on XX/XX/XXXX, demanding the return of my original negotiable instrument within 10 days. As of today, they have not returned the instrument, further demonstrating mishandling and wrongful retention in violation of commercial paper law. 

Additionally, the Arizona Corporation Commission ( ACC ) lists Mortgage XXXX XXXX XXXX XXXX XXXX ( XXXX ) the nominee involved in the mortgage assignmentas inactive. This raises legal concerns about the validity of the assignment and whether PennyMac has lawful standing to foreclose.

I have also submitted formal notice to the Board of Governors of the Federal Reserve, as the financial instrument I provided falls under the governance of Federal Reserve Operating Circular No. 10 and related custodial handling regulations. PennyMacs refusal to return the original instrument, combined with their ongoing foreclosure efforts during an active appeal, violates procedural fairness and consumer protection laws.

I have filed a formal complaint with the Arizona Attorney General ( Complaint/Confirmation # : XXXX ), and I now request that the CFPB initiate a thorough investigation into PennyMacs mortgage servicing practices. These practices may violate the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and several provisions of the CFPBs mortgage servicing regulations under Regulations X and Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting an investigation into several accounts that are currently listed on my Experian credit report. I have concerns about their accuracy and would like Experian to verify their validity. The accounts I am disputing are : 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 I have submitted a written dispute directly to Experian but would like the CFPB to monitor this request to ensure it is handled properly. If Experian is unable to verify these accounts with original documentation, I request they be deleted from my credit report. 
Please confirm that an investigation is opened and let me know the outcome. Thank 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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OK

Complaint narrative:
I have been placed on administrative forbearance pending the XXXX repayment plan court decision. Within the letter that notified me of the forbearance it said the interest rate would be 0 % and I would not be charged interest. This letter was sent to me by MOHELA to my MOHELA account. Since that letter I have been charged {$20000.00} in interest. My loan provided is unable to provide a reason as to why it is happening and has stated that I should not be getting charged. However, nothing has been done to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/year> XXXX - Hackers got a hold of my phone number via eSIM and stole my phone number while I was asleep. 
XX/XX/year> XXXX - Wells Fargo credit card application was submitted and approved even though the hackers failed to provide my employer or drivers license number. 
XX/XX/year> XXXX - Hackers added the Wells Fargo card to XXXX XXXX account on an XXXX XXXX. I do not have this kind of phone. 
XX/XX/year> - 1 purchase charge was made through someone else 's XXXX XXXX account for {$4200.00}. 
XX/XX/year> XXXX - Hackers purchased multiple tickets through my XXXX account, got into my XXXX account, and other accounts using 2 factor authentication with my stolen phone number. 
XX/XX/year> XXXX - Card was deactivated from XXXX XXXX account. 
XX/XX/year> XXXX - Purchased tickets were transferred to the same person and email address XXXX XX/XX/year> XXXX - More tickets were purchased through my XXXX account and transferred to the same person. 
XX/XX/year> XXXX - I wake up to discover my cell phone is in XXXX mode. I couldn't even make a phone call. I was able to text my husband, who then immediately called the phone company and they sent me an XXXX to reactivate my phone remotely. We also discovered the hackers opened a land line on our phone account. 

I have filed a police report. I have reported ID theft to the FTC. I have emails with time stamps proving when my XXXX was transferred and when I got it back. All of the companies I have disputed fraudulent charges with have fixed it for me, except Wells Fargo. I have been repeatedly denied with the excuse that the charges were authorized from my cell phone and email address even after I told them that all of my personal information including my cell phone and email address were compromised. I have frozen my credit and signed up for Identity Theft Protection. I have disputed the Wells Fargo card directly through XXXX, which they then removed the card from my credit, but Wells Fargo still refuses to close the account and send me a letter stating I am not responsible for this fraudulent account and charges.

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 2025-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting from XX/XX/XXXX ( XXXX XXXX  ), theres been fraudulent charges on my Macys credit card. I have called multiple times to get it resolved, but each time, they deferred action and asked me to wait for further communication, which I did not receive. After calling in XXXX, they told me the card was on hold. However, this month ( XX/XX/XXXX ), another charge appeared. 

I received a phone number with a reference number that I called. They then told me to wait for more further communication. When I asked how long it would take, they said in XXXX days, which would be after my statement was due. They have told me that already multiple times. When I asked if I should file for fraud with the police or the government, they hung up. Its been over a month and they still refuse to even investigate the fraud charges.

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 2025-04-21 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request by mail to Experian asking them to update my credit file. Specifically, I requested the following actions : Correct my official legal name Update my current address Delete outdated information such as old addresses and Social Security number variations Remove a bankruptcy record that is over XXXX XXXX XXXX and past the reporting limit Remove all the old credit card account have been closed for over XXXX  years. 

Despite mailing the request with proper documentation, Experian has not updated my file. In contrast, XXXX XXXX XXXX  processed and updated this information correctly and in a timely manner. 

It feels unfair and damaging that Experian has delayed responding and failed to reflect the accurate information on my credit report. Im simply asking for fair treatment and consistency in updating my file with verified, up-to-date, and legally compliant 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance claims payments are missing or late. They give false information each representative states different rules and policies. They will wait an entire year before reaching out about a missing or late payment resulting in over the top late fees. They then use threats such as vehicle repossession. They tend to do this every year around the same time with the same claims. Not worth excepting the loan they are not honest and cause client endless stress.

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