vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/scrub>/2025 : My debit card was unexpectedly declined. I received a XXXX transfer that was blocked, with a message saying : We can not make this payment at this time. 
XX/XX/year>2025 : My debit card continued to be declined. I attempted to contact Chase but was outside of business hours. 
XXXX2025 : My card remained unusable, and I started receiving alerts from lenders that automatic payments were being declined. I logged into my Chase account and confirmed my card was not locked. From my end, everything appeared normal. 
XXXX/XXXX/2025 : I called Chase to report the issue. I was told that someone had called on XXXX to report unusual activity on my account supposedly a Chase banker. I had never spoken to a banker or reported any issues myself. 
I was then placed on hold. After a long wait, the representative returned and told me my account was tied to another account that had been reported for suspicious activity. However, they refused to give me any details about that account, citing privacy reasons. I asked how my account could be linked to another persons without my knowledge, and I was told to figure it out with the other person who they finally nammed as XXXX. They said the block might be lifted in 30 minutes, but nothing changed. 
Later on XX/XX/year> : I visited a Chase branch in person. A banker confirmed my account was still restricted and made some calls. During that visit, the banker explained that I had been added as a beneficiary on XXXX account. XXXX had recently reported that her account may have been hacked, and as a result, her account was placed under review. Because I was listed as a beneficiary, Chases system automatically restricted my account as well even though I had no involvement with her account, no knowledge of being added as a beneficiary, and never gave consent for any connection. 
The banker acknowledged there were no other ties between our accounts, and she couldnt explain how or why I was not notified about any of this. She also admitted this situation is not outlined in any Chase policy, and that it was based on Chases internal system. She attempted to have the restriction manually removed, but warned it may not go through and that I may have to wait for XXXX account review to be completed before my own account is unlocked. 
Impact : I have no access to my own funds through no fault of my own. 
I have missed multiple loan and bill payments, resulting in fees and accrued interest. 
I was never notified that I was listed as a beneficiary or that any account connection existed.

Chase gave me inconsistent answers, brushed off my concerns, and refused to explain how I could be tied to someone elses account without consent.

Ive been put into a serious financial bind because of a situation that I was not involved in and had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
When i went to the XXXX  store they pulled my credit and i saw accounts that were not opened by me. I contacted experian equifax and transunion and they told me what to do. I filed a fraud affidavit and i sent it to the creditor and to them. However, the accounts have not came off yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
When i went to the XXXX  store they pulled my credit and i saw accounts that were not opened by me. I contacted experian equifax and transunion and they told me what to do. I filed a fraud affidavit and i sent it to the creditor and to them. However, the accounts have not came off yet

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash app due to XXXX Customer service An unfair practices Which violates my customer financial protection act ( CFPA ) Specifically, cash app failed To take timely And effective measures To prevent Fraud on their platform Leaving XXXX account vulnerable and unprotected Furthermore, their dispute process was unfair And deceptive As they did not comply With unfair resolution Under Electronic fund transfer act And regulation XXXX These have caused significant financial loss And I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
Subject : Request to Remove Inaccurate Personal Information and Provide Source Detail I am writing to formally dispute the accuracy of personal information listed on my credit report. Specifically, the following names and addresses are inaccurately reported and should be removed : Incorrect Names : 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 The only accurate name that should appear on my credit file is : XXXX XXXX XXXX The only accurate address that should appear is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am requesting that all inaccurate personal information be removed from my credit report. Additionally, please provide the names of the data furnishers ( creditors, public records, or agencies ) that reported each incorrect name and address listed above. 

I have enclosed a copy of my identification and proof of current address for verification. 

Please conduct a reinvestigation as required under the Fair Credit Reporting Act and send me confirmation once the incorrect information is removed. 

Thank you for your time and attention to this matter.

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 2025-04-07 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: IL

Complaint narrative:
I am filing this complaint regarding an account that has been inaccurately reporting on my credit report. XXXX has already updated the report and removed any remarks, yet XXXX and TransUnion have failed to do the sameeven after more than a year. Despite my repeated efforts, these bureaus have not corrected the inaccurate reporting, causing ongoing frustration and financial setbacks. I feel completely defeated by this situation as I have been denied my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ). I have attached an FTC report as supporting documentation, as the credit bureau and the creditor are unjustly denying me my rights. Given the prolonged delay and lack of resolution, I demand that this account be removed immediately from my credit report. I expect swift action to resolve this matter and will escalate further if necessary.

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 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-07 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: CA

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

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 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Collections Account on Credit Report Dear CFBP Complaint Department I am witting to file a complaint against IC System INC regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted IC System INC, many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX, XXXX, and XXXX XXXX. This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant financial hardship 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
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I am writing to formally file a complaint concerning the servicing of my Federal Perkins Loan ( or NDSL/Defense Loan ) by HeartlandXXXX in connection with actions taken by the University of Texas at XXXX XXXX XXXX office . 

I was recently informed via a letter from the University XXXX XXXX at XXXX that my Federal Perkins Loan has been transferred to the U.S. Department of Education for collection. This transfer was due to an alleged default on my loan that occurred over 24 months ago. However, I would like to clarify several key issues regarding this situation that I believe constitute violations of my borrower rights. 

XXXX. ) Lack of Communication : I have never received any prior correspondence from HeartlandXXXX XXXXr was I informed of any default status on my loan. I was unaware that Heartland/XXXX XXXXas the servicer of my loan, and I received no notices about any late payments or issues with my loan. This lack of communication is particularly concerning given that I was unaware of any default status until the recent transfer notice. 

XXXX. ) Inaccurate Reporting and Default Status : My loans have been in forbearance, and they were in forbearance at the time of the alleged default. I have made diligent efforts to maintain the terms of my loan and was under the impression that my loans were properly serviced and managed during this forbearance period. The negative/adverse credit reporting associated with this situation is misleading, and I strongly contest the accuracy of the reported default. 

XXXX. ) Failure to Resolve the Issue with HeartlandXXXX : I made several attempts to resolve this issue directly with Heartland/XXXX  However, despite my efforts, the servicer failed to provide meaningful assistance or clarification regarding the status of my loan. This lack of support and communication has led to unnecessary confusion and hardship. 

XXXX. ) Violation of Borrower Rights : I believe that my rights as a borrower have been violated due to the failure of HeartlandXXXX to communicate with me adequately regarding my loan, the apparent mishandling of the forbearance status, and the adverse reporting of my credit. 

Given these issues, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in rectifying the negative impact caused by the incorrect default status and the lack of communication from HeartlandXXXX. I seek the removal of any incorrect default information from my credit report and the proper resolution of my loan status in line with the protections provided to borrowers under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXXFirst reported the issue to Mr. Cooper mortgage on XX/XX/year> both over the phone and in writing, due to the fact that my credit score dropped XXXX ( XXXX  ) points down in one day - as a result of the loan being reported by Mr. Cooper mortgage as a new borrow. The loan was taken from a previous lender and is not a new borrow. Was promised 30 days to resolution, no case number provided. 
XXXX. Called again in 30 days, on XX/XX/year> with the same issue, was promised to get resolution in another week. No case number provided. 
XXXX. Called on XX/XX/year> because received a virus email that infiltrated my work computer after Mr. Cooper mortgage sent an email to my WORK email which was never provided to Mr. Cooper mortgage. Also, inquired about case, was not given any case number, asked to wait more- with the promise to get results by the end of XXXXXXXX XXXX Telephone conversations with XXXX XXXX Department of Escalations ( XXXX ) XXXXXXXX XXXX XXXX or ( XXXX ) XXXX. No case provided. 
XXXX. Called again on XX/XX/year> had a phone conversation with XXXX XXXX. From Department of Escalations ( XXXX ) XXXX x XXXX or ( XXXX ) XXXX. Was given case XXXX XXXX this time. Was promised by the end of XXXX, XXXX  that my credit score will be corrected and balance will be reported. Promised 5 business days as a forceful escalation to get results. 
XXXX. XX/XX/year> - Sent email to the Escalations Department asking for any results on the resolution of the matter and referring to the case number - no answer. 
XXXX. Called on XX/XX/year> - telephone conversation with XXXX XXXX from Department of Escalations ( XXXX ) XXXX. Was provided ANOTHER CASE NUBMER information with a a different case number - case XXXX XXXXXXXX that, according to XXXX XXXX, was created on XX/XX/year>. XXXX was not able to find the previous case number or advise on any resolution. 
Was promised again to wait until XX/XX/year> for the result. 
XXXXNot able to get any resolution for several months with different promises each time. Upon checking my score and reports from Mr. Cooper, I can see that Mr. Cooper is NOT even reporting current payments for my loan mortgage which are done regularly and in time on monthly basis. The score that dropped XXXX ( XXXX  ) points on XX/XX/year> due to erroneous reporting is still down which is preventing me from making any additional real estate purchases ; even my current payments are not reported in time. 
Please create a claim and help me get this matter resolved. 
Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
I reported fraudulent activity on my bank account, which caused a negative balance over $ XXXX. I filed a police report and informed the bank immediately. Despite this, they are refusing to reimburse me and have not issued a provisional credit, which is in violation of the Electronic Fund Transfer Act. I was informed today at the bank that they do not provide a provisional credit from the bank and then was questioned as if this was my fault. I informed the representative that this occurred again after I reported the issue to them and they still would not provide me with my employer deposited funds. I am requesting assistance in getting all my money returned and all related fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am filing this complaint regarding an account that has been inaccurately reporting on my credit report. XXXX has already updated the report and removed any remarks, yet Experian and XXXX have failed to do the sameeven after more than a year. Despite my repeated efforts, these bureaus have not corrected the inaccurate reporting, causing ongoing frustration and financial setbacks. I feel completely defeated by this situation as I have been denied my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ). I have attached an FTC report as supporting documentation, as the credit bureau and the creditor are unjustly denying me my rights. Given the prolonged delay and lack of resolution, I demand that this account be removed immediately from my credit report. I expect swift action to resolve this matter and will escalate further if necessary.

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 2025-04-07 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: GA

Complaint narrative:
Inaccurate information from XXXX XXXX XXXX XXXX. Accounts has been closed, settled or written off profit for loss write off. Received 1099c for 2 of the 4 accounts stating cancellation of debt, but still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Inaccurate information from XXXX XXXX XXXX XXXX. Accounts has been closed, settled or written off profit for loss write off. Received 1099c for 2 of the 4 accounts stating cancellation of debt, but still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate information from XXXX XXXX XXXX XXXX. Accounts has been closed, settled or written off profit for loss write off. Received 1099c for 2 of the 4 accounts stating cancellation of debt, but still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief