vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX in the early morning I received a call claiming to be American Express. I was not sure if it was a scam. I hung up and called the number on my card in order to protect myself and American Express should the call have been fraudulent. They stated that it was American Express that called. They wanted to do a Financial Review. I stated I was at work. They stated I had until XX/XX/XXXX to do this review. I felt very anxious and called back. They asked questions about where I worked, how long I worked there, and how much I made. They then stated I needed to send two of my last bank statements and two of my last pay stubs. I could not send this in right away because I work at a company with high security. I cant log into my accounts from my work computer. I looked at my email on my phone and it stated that they have restricted all three of my American Express accounts. I called during my lunch break and asked what this was about. Why were my accounts suspended? I have never carried a balance or paid late ever in all my history with American Express since XXXX. My credit history with all my credit cards is 100 % on time payments. I have a XXXX card that has a {$690.00} annual fee that I just paid in XXXX. The XXXX had no preset spending limit. The other two cards combined were XXXX XXXXXXXX. I told them if they were going to suspend my cards, reduce my limits, ruin my credit score, and essentially my life, to give me back my {$690.00} fee that they charged me and close my account. They stated they would not because I can only get that fee back from them before 30 days was up. How convenient. The card is supposed to be a luxury card with no limit. My cards are all still suspended, unable to use. The XXXX charge card that had no preset limit was reduced to XXXX XXXX  This is not what I originally signed up for with the XXXX card. This is a total scam. The other two card limits have been reduced to {$3100.00} each. This all came with no warning. No good reason when I have an impeccable credit history with all my credit cards not just American Express. I have done nothing to warrant this. If they want to reduce my limits and treat me this way, I want my {$690.00} annual fee back. It is not the card I signed up for. Paying a {$690.00} fee on a XXXX XXXX limit, no one would pay that. This is not a XXXX XXXX anymore. They are accompany that bullies and sets rules that they dont follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX, I attempted to make a purchase on XXXX using my XXXX XXXX XXXXXXXX debit card. The transaction was blocked due to a XXXX Secure ( XXXX ) verification issue. However, when I called US Bank, they falsely told me there was no hold on my account, causing delays. After wasting XXXX minutes on hold across multiple calls, I finally verified my identity, but by then, I had missed out on a time-sensitive sale, forcing me to pay more. 

I requested an explanation, a resolution to lift the restriction, and a goodwill credit for the financial harm caused by their delays. US Bank refused to provide compensation, falsely claimed debit card users do not qualify for goodwill credits, and told me the only way to file a complaint was by mailing a letter to a XXXX XXXX XXXX which is unreasonable. 

XXXX Banks failure to communicate clearly, unnecessary delays, and refusal to compensate me caused financial harm and extreme inconvenience. I am requesting a written explanation and compensation for the financial loss they caused.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . ( " Chase '' ) unilaterally terminated my banking relationship by closing all my accounts, including checking and credit card accounts, without prior notice or justification. This abrupt action resulted in the immediate suspension of my online banking access, thereby preventing me from monitoring account balances, recent transactions, or payment statuses. I had previously established automatic payments for my credit card accounts, ensuring full payment each month from my Chase checking account. Due to the account closures, these automatic payments were not processed, leading to missed payments. Upon contacting Chase 's customer service multiple times, I was informed that no further information could be provided, nor could my account access be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2025-02-09 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: DC

Complaint narrative:
I am writing to formally express my concern regarding the recent breach of privacy involving the Department of Education, which reportedly allowed unauthorized access to sensitive personal data, including Social Security numbers. As a federal student loan borrower, I am deeply concerned about the potential risks of identity theft, financial fraud, and long-term consequences resulting from this breach. 

Given the severity of this violation and its impact on borrowers like myself, I request immediate action to remedy this situation. Specifically, I am seeking the discharge of my federal student loans as a form of restitution for the mishandling of my private information. At the very least, I request that all collections and interest accrual be halted while this matter is investigated. 

I would appreciate a prompt response outlining the steps your office is taking to address this issue and any available options for affected borrowers. Please advise on how I can further protect my financial interests given this breach. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Third parties bought my credit card debt and attempted to collect more money than what was owed, revolving, lvnv funding LLC XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX for the amount of XXXX and XXXX $ there are a few more as well. The third parties that has purchased my debt should be taken off and removed from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
I was denied a home loan, so I contacted Equifax, and that's when I found out that my SSI number XXXX and previous last name XXXX were in their data breach. My name, XXXX, was restored when my divorce was final on XX/XX/XXXX. I don't use the name XXXX. However, New accounts were open to addresses I didnt live at, and current credit card accounts were changed, so I had to close them. I would pay the bill, and someone else was making charges. It was so out of hand I had to close cards I had for over 6-8 years. Not to mention, a judgement for an eviction was fraudulently committed while I was a member of TransUnion, Equifax, and Experian identity theft and credit monitor program. I have disputed this several times. Equifax and Experian have placed a fraud alert on my credit file but have not removed the fraud nor helped me in any way to repair a problem they caused. They had me speak to the legal Department that is handling those who were affected. I submitted the letter of the breach and told her that I didnt receive it until 8 months after the deadline. She informed me all they can do is pay for credit repair and credit monitor service. To this day, they still have not provided any support. I have been paying out of my pocket for credit repair Services, and Experian refused to give me a copy of my credit report. I have owned my own home since XXXX, I have never had an eviction, and as a XXXX, I have been denied employment and a home loan because of this breach. I have an FTC report ; I am following my repair steps and trying to get my life back. Please see to it that the credit bureau does their part. 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 2025-02-09 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: NV

Complaint narrative:
I was denied a home loan, so I contacted Equifax, and that's when I found out that my SSI number XXXX and previous last name XXXX were in their data breach. My name, XXXX, was restored when my divorce was final on XX/XX/XXXX. I don't use the name XXXX. However, New accounts were open to addresses I didnt live at, and current credit card accounts were changed, so I had to close them. I would pay the bill, and someone else was making charges. It was so out of hand I had to close cards I had for over 6-8 years. Not to mention, a judgement for an eviction was fraudulently committed while I was a member of TransUnion, Equifax, and Experian identity theft and credit monitor program. I have disputed this several times. Equifax and Experian have placed a fraud alert on my credit file but have not removed the fraud nor helped me in any way to repair a problem they caused. They had me speak to the legal Department that is handling those who were affected. I submitted the letter of the breach and told her that I didnt receive it until 8 months after the deadline. She informed me all they can do is pay for credit repair and credit monitor service. To this day, they still have not provided any support. I have been paying out of my pocket for credit repair Services, and Experian refused to give me a copy of my credit report. I have owned my own home since XXXX, I have never had an eviction, and as a XXXX, I have been denied employment and a home loan because of this breach. I have an FTC report ; I am following my repair steps and trying to get my life back. Please see to it that the credit bureau does their part. 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 non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted disputes in regards to dispute w cfpb under dispute number XXXX. You all messaged me wanting to give company another 30 days to totaling more than 60 days for them to come up with paperwork hey have not been able to provide me with for 6 months. But now with the additional time given they will have an extra month to prepare items they have NOT had period since they stated collecting on this and since it appeared on my credit. You all are not trying to help me as a consumer my attorney and I have come to the conclusion you are trying to give them more time because you stay in business due to the bad practice by these companies. I will be filing suit and will litigate this. Its is in dire need that this be deleted NOW : not in another 30,60 days. This is ridiculous. Experian and Equifax have not investigated this pand openly in 6 months and now you are giving them additional time to create documents. The how is highly illegal. I requested by law for it to be removed from all my credit report immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 2025-02-09 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: MD

Complaint narrative:
I contacted Equifax, Experian and Transunion about the incorrect reporting from XXXX and none of them corrected the obviously incorrect payment information, nor updated the incorrect reporting information from XXXX. 

After multiple disputes, the information was sent back as verified. It was obvious the investigation was not conducted by Equifax, Experian or Transunion. They refused to provide the information that they gathered but kept the reporting as verified. 

Both XXXX and the credit bureaus instructed me to contact one another to change the record. For the last year and a half the record was not updated correctly. 

I've suffered damages from this inaccurate, incomplete and erroneous information that was reported for so long. I have lost job offers with the police department, I've been charged astronomical amounts of interest on credit and denied opportunities that would enhance my families quality of life. 

I am seeking for this account to be REMOVED after all the damage I've incurred and/or monetary compensation for each month this account was reported incorrecting discrediting my credibility.

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