vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Please Help : I have been contacting Chase XXXX XXXX XXXX since XX/XX/year>. 
XXXX XXXX Chase Account XXXX XXXX Backstory : I have been a member for XXXX years. I have paid sometimes multiple times in XXXX month. 
XX/XX/year> through XX/XX/year> have been turbulent for me financially. I contacted them in XXXX for assistance and paid. I contacted them in XXXX and was led to believe if I paid {$150.00} which I did, then I could sign up for auto pay. They sent me XXXX text messages to do that which were unsuccessful. I explained at that time that {$150.00} each month automatically deducted works for me. 
Now I have spoken with them XXXX which now if I dont pay {$290.00} per month, interest and late charges apply until I am XXXX months behind and then they will terminate the account. I can only pay {$150.00} per month, which is not acceptable to them. I refuse to pay a Credit Counseling Service to pay them to pay Chase when ALL those funds could go directly to Chase. That seems counterproductive to resolving the account. On XXXX they absolutely refuse to negotiate with me, but fees are still accruing. On XXXX, after our conversation yesterday, it seems negative marks are being reported to the Credit Bureaus. 
I am a XXXX XXXX XXXX on a fixed income. Chase is the ONLY organization refusing to negotiate with me unless I pay money to a XXXX XXXX XXXX to do what I am trying to do. 
I need your help to resolve the account with a negotiated settlement balance that can be paid on term. 
I need your help to expose and explain why anyone would have to pay someone to do what I can do on my own. {$150.00} is maximum I will pay for charges I made not XXXX months of fees the organization wishes to impose, no matter what. 
I need help with exposing and explaining why a Consumer HAS to agree to be recorded in order to proceed with conversing with a Bank Representative. This is XXXX issue. 
The XXXX  and most pressing issue is that when I request a copy of the recorded conversation with my voice on it, I am told I HAVE to obtain a subpoena issued by a court of law. To do this requires a civil court case which requires fees that could be used to reduce the balance on the account. 
PLEASE, I am begging and pleading, please help me resolve to pay the charges I charged to the Chase account for the balance at the maximum {$150.00} per month until paid in full. 
Thank you in advance because time is of the essence. 

Please help me to resolve it. 

Kind Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX  XXXX opened on XXXX XXXX with a balance of {$0.00} XXXX XXXX opened on XXXX XXXX with a balance of {$2100.00} XXXX opened on XXXX XXXX with a balance of {$0.00} XXXX opened on XXXX XXXX with a balance of {$920.00} XXXX  XXXX  opened on XXXX XXXX with a balance of {$5.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00} XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX with a balance {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX/XXXX  opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX balance of {$150.00} XXXX  with a balance of {$1200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$220.00} There are also fraudulent addresses reporting on XXXX XXXX credit report which are : XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX There XXXX also unauthorized inquiries with : 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 XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), ( # XXXX ) ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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 2025-01-31 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: SC

Complaint narrative:
The following account is not mine and is and did not have authorization to access my personal information XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of a data breach and identity theft. There were several accounts removed from my consumer report by XXXX. However, XXXX and equifax will not remove said accounts. The accounts referenced are listed below XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
reviewed a copy of my credit report and noticed a fraudulent account on my report. please remove this account from my report as its holding me back from obtaining a good credit. 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 2025-01-31 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am submitting this formal complaint against Kia Finance due to their refusal to remove a late payment from my credit report, despite my good-faith efforts to resolve the matter directly. Kia Finances actions may constitute an unfair or unreasonable credit reporting practice under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws. 

The reported late payment, while acknowledged, was an isolated incident. My account has since been brought current, and I have demonstrated a consistent pattern of timely payments. Under the principles of equitable consideration and goodwill adjustments commonly exercised by creditors, I formally requested Kia Finance to remove the derogatory mark. However, they have unreasonably refused, despite the fact that goodwill adjustments are neither illegal nor prohibited under FCRA.

The continued reporting of this late payment is causing undue harm to my creditworthiness, disproportionately impacting my financial opportunities. Given that Kia Finance has full discretion to grant a goodwill deletion, their refusal absent a legitimate business justification may constitute a failure to act in good faith. 

I am requesting the CFPBs intervention to investigate this matter and ensure that Kia Finance complies with fair credit reporting practices. Enclosed are copies of my correspondence with Kia Finance, proof of payment, and other supporting documentation. 

Please advise on the next steps in addressing this issue. I appreciate your time and assistance in upholding consumer rights and financial fairness. 

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 explanation
Consumer complaint received 2025-01-31 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I contacted these companies, but no one was willing to help 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 2025-01-31 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: SC

Complaint narrative:
I distributed all outstanding medical bills on my credit profile with all three credit bureaus in which XXXX XXXX deleted all accounts but the same accounts Experian didnt. I also adressed the fact that my data been breached by Experian via customer service last year in months of XXXX XXXX XXXX XXXX to no avail!

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 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify cardholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I was paying my mortgage through my bank account. There was always a problem with getting the payment. They claim the funds were not there and they were accept one time when i sent the funds in the mail. Fay Servicing had me so confused. They would send payments back to me in the mail. Finally XXXX i got tired of them when they said I had a XXXX balance and not to send funds until XXXX. They started sending threatening letters again. So now i am asking for your help. My payment is caught up and i send them XXXX XXXX so i know the time length they have to receive the payment. Please help me. I have an XXXX XXXX living with me in the home. I need them to be clear and not harass me. I need to know if they are a real servicer. I have seen more complaints. I just want to be treated fair. 

They keep saying i owe {$69000.00}. I need them to keep the correct amount and they have falsified information that has been on the report from the beginning. I feel that they should show proof that the loan was switched over to them from my loan company with the original documents and be given the usual amount of days to show that information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-31 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: OH

Complaint narrative:
On Or around XX/XX/XXXX I notified the credit bureau agency that the balance reported on my XXXX XXXX XXXX XXXX was incorrect for this month .My current balance was {$69.00} out of {$1500.00} credit card balances .However after undergoing a investigation that wasnt properly investigated by the credit bureau agencies and not the creditor they left a {$590.00} increasing my credit utilization affected my credit score negatively.On XXXX XXXX the poor investigation lead to denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
TransUnion was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer services and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
They closed my account with no head ups and help my fund and never gave them back

Company response to consumer: Closed with explanation