vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently found someone on XXXX selling parts for my XXXX XXXX. I was told since i live far i should have the guy ship them, and just pay him half on XXXX right now and when i get it pay the other half. I paid the guy {$300.00} upfront and he said he was sending it. After the fact the guy stopped responding and i called my bank, Chase. I was told I was XXXX out of luck because it was a scam and that they could do nothing about it. I also called XXXX, and they also told me I was XXXX out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i was primary caretaker for my mom and had XXXX and va fiduciary .. I opened account at Navy federal credit union and had authorized user access. I made a final xfer of about {$4500.00} to the va fi duciary acct and notified them of her death in order to close account. 
The funds were reversed without notification and the account was frozen. They told me i have to go through probate court. This account is the only one ive been having trouble closing I went to submit an affidavit due to small estate and probate not needed.They refused to accept the affidavit and remit my moms funds which i have been handling for over three years. I have authorized user form filled out from when account was opened yet i was told they have no record of it. 
Please inform them that an affidavit is acceptable method to close account and give funds to the heirs per ga code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and noticed that some information is incomplete and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. 
I previously sent a letter requesting a reinvestigation of the following account : Credence Resource ManagementAccount Number : XXXX I have submitted this request to Experian on three occasions, yet I have not received proper documentation. Each time, the investigations were closed within one to two weeks, which raises concerns about the thoroughness of the process. As you may be aware, Experian has faced legal action in the past for improper investigation practices. 
I am requesting that this matter be reviewed again due to what appears to be a failure to conduct a proper reinvestigation. Although I received responses indicating that an investigation was completed, no updates or modifications were made to the account. I also requested a description of the reinvestigation, which was not provided to me. This is a violation of : * 15 U.S.C. 1681i ( a ) ( 7 ) failure to provide a description of the reinvestigation * 15 U.S.C. 1681i ( a ) ( 5 ) failure to correct or delete inaccurate, incomplete, or unverifiable information I am formally asking for a thorough review of this matter and that the appropriate corrections or deletions be made in compliance with the FCRA.

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 2025-05-11 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: Experian Information Solutions 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 2025-05-11 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:
I am submitting this formal complaint against TransUnion, LLC for their failure to comply with federal consumer protection laws, specifically under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and for engaging in unfair credit reporting practices. 
On XX/XX/XXXX I submitted a formal dispute to TransUnion regarding an account XXXX XXXX  account number XXXX inaccurately reported on my credit file. In accordance with 15 U.S.C. 1681i ( a ), TransUnion is legally required to conduct a reasonable investigation and remove any information that is found to be inaccurate, unverifiable, or incomplete. I explicitly requested that they provide : 1. Documentation verifying the accuracy of the alleged debt ; 2. The method of verification used ; 3. The name and contact information of the furnisher of the disputed data. 
Despite the legal obligation to respond within 30 days of receipt of my dispute, TransUnion failed to provide adequate documentation, including evidence that the debt is valid and owed by me. This constitutes a violation of the following FCRA provisions : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation; * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify unverifiable information; * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information; * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine the accuracy and completeness of the information. Additionally, these failures may also violate the Consumer Financial
Protection Act ( CFPA ) under 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ).

I am requesting that the CFPB initiate an investigation into this matter and compel TransUnion to : 1. Provide full documentation verifying the debt ; XXXX. Permanently delete any unverifiable or inaccurate information from my credit file ; XXXX. Issue written confirmation of the actions taken to resolve this dispute.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have consumer debt that is independent of my husband. I have never provided my husbands information or contact information to Discover. Yet, when my account had become severely delinquent, he received a call on his business phone provided and paid for by his employer, asking for me. The woman from Discover then went into specifics and stated that I owe on the credit card and it needs to be paid. My husband cut her off and said that the debt was in my name, they needed to take it up with me. The woman from Discover got an attitude and was rude and said we have tried but have been unable to contact her, thats why we are calling you. My husband stated that she is contacting him through a work provided phone that was not provided to them and they needed to stop calling him for my debt. He then hung up. 

XX/XX/year> and XXXX I have the phone log to prove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: IL

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 2025-05-11 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:
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 non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: SC

Complaint narrative:
I have had different debt collectors contact me about a sprint phone bill and I did not authorize sprint to release my information to anyone so they should nit even have my personal 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 2025-05-11 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:
On XX/XX/year> I sent a certified debt validation letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  at the address listed on my credit report, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This letter was returned as Vacant and Undeliverable by the XXXX, clearly proving the address is invalid and that the debt is legally unverified. 

Despite this, both Experian and TransUnion falsely verified this account as accurate, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This is a direct breach of 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ). 

I also filed a complaint with the XXXX, and XXXX responded with a vague, legally insufficient response, failing to provide the required validation documents, including the original signed contract and itemized account statement. They have ignored multiple follow-up attempts. 

I demand immediate and permanent removal of this account from my credit reports and a full investigation into the verification practices of both XXXX and the credit bureaus. Failure to comply will result in formal complaints to the FTC, State Attorney General, and potential civil litigation.

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 2025-05-11 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: CA

Complaint narrative:
On XX/XX/year> I sent a certified debt validation letter to XXXX XXXX XXXXXX/XX/XXXXat the address listed on my credit report, XX/XX/XXXXXXXX XXXX, XXXX, GA XXXX. This letter was returned as Vacant and Undeliverable by the USPS, clearly proving the address is invalid and that the debt is legally unverified.

Despite this, both Experian and TransUnion falsely verified this account as accurate, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This is a direct breach of 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ). 

I also filed a complaint with the XX/XX/XXXX and XXXX responded with a vague, legally insufficient response, failing to provide the required validation documents, including the original signed contract and itemized account statement. They have ignored multiple follow-up attempts. 

I demand immediate and permanent removal of this account from my credit reports and a full investigation into the verification practices of both XXXX and the credit bureaus. Failure to comply will result in formal complaints to the FTC, State Attorney General, and potential civil litigation.

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 2025-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: SUMMIT FUNDING, INC.
State: ID

Complaint narrative:
In XXXX we were pre approved through XXXX we submitted an offer on XXXX XXXX XXXX ID. The offer included a FHA XXXX XXXX VA loan is what the seller was requesting. XXXX XXXX XXXX able to do the XXXX so our Agent XXXX XXXX referred us to Summit Lending in XXXX Idaho to a XXXX XXXX. When he took it he guaranteed us that his team could get us the house. Everytime we asked for numbers he would say he would get them to us tomorrow. XXXX weeks go by and he tells us he has to pass it on the to XXXX of his coworkers XXXX. So another week goes by no communication. So I check in and XXXX tells us XXXX XXXX able to do the XXXX rehab that no one has the system to do a XXXX but he referred us to XXXX Mortgage to a XXXX he said it was going to be a easy transfer we wouldnt have to start over he would just send our file over to her. XXXX tells us that she has been doing XXXX for XXXX yrs she works for FHA she can get it done. She gives us an item list tells me she cant get into XXXX file so we send over what she needs. We kept getting a notice to pay {$850.00} appraisal. I asked XXXX if I should pay it? He said he was going to be involved in the process. He told me to pay the appraisal. Next day XXXX sent us another item list and tells us we are not allowed to do the XXXX work as agreed. We were XXXX of the way to finish and she changed things up. XXXX never asked for an extension so we had to terminate the offer and XXXX refused to refund us the {$850.00} appraisal. Thats a lot of money for an appraisal. We cant afford to lose that we are trying to buy a home now we are out {$850.00} that could go towards no offer. We went through a lot of stress going through XXXX lenders and losing out on house because no one was honest with us or communicated with us they way they should have. I gave my job and landlord a notice. It has been very disappointing that we were treated this way being first time buyers. Thanks. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I am being charged a fee from XXXX for XXXX for XXXXXXXX XXXX XXXX XXXX XXXX XXXX Its goes back further than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I complained to synchrony bank because even though I was paying my card off 3 months in a row, they were not releasing my available credit. Today after they were already closed they had the audacity to send me a letter saying that theyre reducing my credit limit for {$700.00} to {$200.00} because my automatic savings payment failed. My savings account with PayPal was not, to my knowledge at all connected to my PayPal credit card. At no point when I set up my auto-draft savings was I notified that the failure of an auto draft to savings would negatively affect my credit card account. This is unfair and unreasonable to reduce my credit limit on my CREDIT card account for something that costs nothing on the actual account involved. 

Furthermore, theyre citing accounts delinquent? I dont have any delinquent accounts that werent there when they originally approved me for this credit limit. Furthermore, theyre citing accounts dont have my permission to continually run my credit. I still have a right to privacy.

Now my credit score is going to suffer, and I have to worked really hard to improve it by paying on time. Synchrony is playing games with people who have the audacity to question their shady practices.

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 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the sudden and unexplained closure of my checking account by JPMorgan Chase Bank.

Approximately two weeks ago, I lost my debit card and promptly notified the bank. They responded by issuing me a provisional credit, which I appreciated. However, shortly after thiswithout warningmy account was closed. I received no clear explanation for this action, and to my knowledge, I have done absolutely nothing wrong. I have always used my account in a normal and responsible manner. 

At the time of the closure, I was in New York and attempting to send XXXX payments when I discovered that my account had been shut down. This was not only unexpected but also highly disruptive. Because my physical debit card had not yet arrived ( due to significant delays in processing and mailing on XXXX part ), I was left without access to my funds in a critical moment. 

I find this behavior on the part of JPMorgan Chase to be unacceptable. The lack of transparency, combined with the inconvenience and financial stress it caused me, is deeply troubling. I am seeking clarity on why my account was closed and request that this matter be investigated. I also ask that steps be taken to prevent similar issues from happening to other customers in the future. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act (FCRA) 1681g(a)(1), which requires consumer reporting agencies to provide a complete disclosure of all information in a consumers file upon request.\n\nKey Facts:\n\nFirst Request XXXX):\n\nI sent a certified written request (USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXXor my full consumer file disclosure, including archived data, sources of information, and all inquiries.\n\nTransUnion responded on XXXX  with a generic credit report, ignoring my specific statutory requests.\n\nFinal Request XXXX):\n\nI sent a follow-up certified letter (USPS Tracking XXXX XXXX XXXX XXXX XXXX, reiterating my demand under 1681g(a)(1).\n\nTransUnion again failed to comply, sending another incomplete credit report on XXXXn\nViolations:\n\nTransUnions responses omitted critical information required by law, including:\n\nSources of data (1681g(a)(2)).\n\nEntities that procured my report (1681g(a)(3)).\n\nAdverse information details (1681g(a)(4)).\n\nNon-initiated inquiries (1681g(a)(5)).\n\nThis constitutes willful non-compliance under FCRA 1681n, as TransUnion ignored two certified requests and provided non-responsive boilerplate replies.'

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 2025-05-11 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT 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 response to consumer: Closed with non-monetary relief