vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We locked in a particular rate and points ( cost of the loan ) with Chase Bank ; the points were 0.848 ( or {$11000.00} ).

During escrow, we negotiated a credit from the seller to be applied to closing costs. The credit was for items that came up during our inspection and outstanding repairs the seller initially was going to take care of prior to close of escrow but which we, as the buyers, agreed to address ourselves after close of escrow.

Based on the credit, Chase unilaterally increased the points on our loan ( to 1.223 points, or {$16000.00} ) despite us having locked it in previously. They claim that the seller 's credit changed the loan to value ratio despite the loan amount not changing and the value of the property still being what it was appraised at. They explained that the credit exceeded the " allowable closing costs/pre-paid that it could be applied to '' so they had to charge more for our loan ( aka, increased the points ) to make up the difference. They also noted that their system automatically makes these adjustments.

The credit we negotiated with the seller was for our ( the buyers ' ) benefit, not Chase 's benefit. Their explanation that it somehow changed the value of the home is nonsensical and it certainly didn't alter the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : DISPUTE OF FRAUDULENT ACCOUNT - XXXX XXXX Account : XXXX Card Account Number : XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., to formally dispute inaccurate and fraudulent information that appears on my credit report. This letter serves as my official notification that the above referenced account was opened without my knowledge, authorization, or consent, and therefore constitutes a violation of federal law. The account in question, XXXX XXXX with account number XXXX, was fraudulently opened in my name. I have never applied for, authorized, or utilized this account in any capacity. This unauthorized account constitutes a clear violation of my rights under the FCRA and potentially indicates identity theft as defined under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

Under Section 611 ( a ) ( 1 ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 1 ) ], you are legally obligated to conduct a reasonable investigation into this matter. Furthermore, pursuant to Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ], you are required to block the reporting of any information in my file that I identify as resulting from an alleged identity theft.

I hereby demand that you immediately initiate an investigation into this fraudulent account and remove all information related to this account from my credit report. You must also notify all entities that have received my consumer report containing this fraudulent information within the last six months and provide me with written confirmation once this fraudulent account has been removed from my credit report.

Be advised that failure to comply with this request may constitute a violation of the FCRA, which provides for statutory, actual, and punitive damages, as well as attorney 's fees. Additionally, any continued reporting of this fraudulent information may violate the provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq.

I expect your prompt attention to this serious matter. Under the FCRA, you are required to complete your investigation and respond to my dispute within 30 days of receipt of this letter. I reserve all rights under federal and state law, including but not limited to the FCRA, the Fair Debt Collection Practices Act, and applicable state consumer protection statutes. 

Sincerely, XXXX XXXX Enclosures : Copy of identification cc : Consumer Financial Protection Bureau Federal Trade Commission

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I filed XXXX XXXX bankruptcy temporarily in order to recover my vehicle after a repossession. Once I regained the title, I voluntarily abandoned the process. The bankruptcy was dismissed and no debts were discharged. It serves no purpose remaining on my file, and the credit bureau has not provided any legal verification beyond frozen third-party data sources.

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 2025-05-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I was a customer of XXXX XXXX XXXX for many years. In XX/XX/XXXX I was moving and requested my account be canceled. I was told I would receive a docusign document that I had to sign to cancel. I did not receive it. It was not in junk mail or anywhere else. I called back to verify the email and they said they would resend it. I even received emails letting me know it was coming. It never came. After many calls I gave up and stopped payment on my card. They continued to send email notices for the next year, racking up security bills on an account I canceled in a house I no longer lived in. In XXXX of XXXX they sent the account to collections. When I contacted XXXX  and asked to see proof that they had sent the contract to me, they could not provide it. I believe this is a tactic by XXXX to squeeze more money out of clients as there is no need to sign a contract to cancel your account if you have the security password.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
In the month of XXXX, I have loss a total of {$4000.00} due to Chimes negligence in resolving unauthorized transactions despite my best efforts to submit multiple disputes with proof ( chime fraud alerts and police report ) they refuse to acknowledge an error in their data and refuse to resolve the issues. XX/XX/XXXX started with a {$50.00} unauthorized transaction from XXXX, XX/XX/XXXX was a {$1500.00} unauthorized transaction from bhngiftcards both days i immediately called them and started the dispute processes and submitted evidence of the fraud alerts that were sent to me, showing this person was obviously wanting to take everything I had. I filed a police report ( XXXX ) and submitted to chimes fraud team, which i was advised that would help my disputes when submitted, which it did not. I was also advised by chime of an unfamiliar device ( XXXX  XXXX ) in my account and i demanded that my account needed to be protected by blocking devices that are not mine ( i own an XXXX XXXX XXXX XXXXXXXX ). XX/XX/XXXX was an unauthorized transaction to a person i do not know in the amount of {$2000.00}, again calling the customer service line to dispute this transaction and adding it to my police report. XX/XX/XXXX was another unauthorized transaction for {$500.00} to the same account i previously wanted chime to block and in which they failed to do so. chime does not answer to emails and their team is no help, none of my disputes were accepted despite all evidence submitted. Due to these issues, I lost the opportunity to move my child and I into a new home and my business investment money that was still in my account. I have all evidence of all my prior business investments in my statements ( $ XXXX {$400.00} purchases ). I work nightshift and have to sleep throughout the day and this person knew when to strike when i was asleep. ive made multiple virtual card number changes, changed passwords numerous of times, changed emails nothing worked. this person was already integrated into my account to the point where they were able to move my money in the app ( taken out from savings, placed into checking account and sent funds to themselves )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Accounts : XXXX XXXX-2024 XXXX XXXX XXXXXXXX XXXX-2024 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hards Inquiries : XXXX XXXX Inquired on XXXX/XXXX/2024 XXXX XXXX XXXXXXXX XX/XX/year>2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX  XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

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 2025-05-30 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:
Accounts : XXXX XXXX-2024 XXXX XXXX XXXXXXXX XXXX-2024 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hards Inquiries : XXXX XXXX Inquired on XXXX/XXXX/2024 XXXX XXXX XXXXXXXX XX/XX/year>2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX  XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

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 2025-05-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express gift card is not working ( {$400.00} balance ) which I received as a baby shower gift last week and never used yet - attempted to use at different large retailers like XXXX and XXXX, keeps getting declined despite confirming with AmEx that theres {$400.00} remaining. Other customers complain of the same issue and it hasnt been resolved for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-05-30 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in 2024. 

The breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in 15 U.S.C. 6801. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach. 


Account Name : SANTANDER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is my statement in response to Wells Fargos mishandling of XXXX consumer fraud disputes totaling {$1000.00} and the banks ongoing refusal to perform a good faith investigation. ( CFPB XXXX # XXXX ) The following summarizes the violations and failures on Wells Fargos part : XXXX. {$1000.00} Fraudulent Transaction ( Claim # XXXX ) * I reported this unauthorized transaction in XX/XX/year>. 
* The bank issued, then revoked, a provisional credit solely based on a digital token match, with no further behavioral or device analysis. 
* I provided clear documentation showing I changed my phone and number after the fraud occurred, indicating possible token compromise. 
* Wells Fargo never addressed this or considered common digital fraud types like XXXX swaps or XXXX XXXX takeovers. 
* The bank even issued a denial letter addressed to someone else ( " XXXX XXXX '' ), raising serious concerns about the integrity of the investigation. 
XXXX. {$70.00} XXXX XXXX Chargeback ( Claim # XXXX ) * I sold shoes via XXXX XXXX and provided evidence showing the buyer falsely claimed the charge was unauthorized. 
* I submitted : * Message screenshots confirming the sale. 
* Proof the buyer blocked me post-delivery. 
* Statements from XXXX XXXX indicating the chargeback was initiated by the buyers bank ( Wells Fargo ). 
* Wells Fargo dismissed my evidence without explanation and offered no further appeal path, despite multiple written requests. 
XXXX. Pattern of Denial and Regulatory Violations * I have contacted the CFPB and Wells Fargo XXXX times regarding these issues. 
* Every response has been boilerplate, and no meaningful investigation has ever been conducted. 
* This is a violation of Regulation E ( 12 CFR 1005.11 ), which mandates a reasonable and good faith investigation. 
* The handling of the chargeback also implicates Regulation Z and standard card network rules.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash all was hacked and the person took XXXX from me XXXX XXXX payment on XX/XX/year>2025 and XXXX and XXXX payment on XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Home Buyer’s Alliance
State: KS

Complaint narrative:
In the past couple of days I have been reviewing my most recent credit reports. What I found is that my credit scores are XXXX with XXXX  and XXXX with XXXX. The problem is with XXXX, who is showing a score of XXXX. Having past working experience in the mortgage industry, I am well aware of credit reporting, and I have to say that this is a large gap in the score coming from XXXX. In my past experience it was XXXX  that would normally have the lower of the XXXX scores, but after a recent search, I found that most creditors rely heavily on the XXXX  credit score today. 
I contacted both XXXX XXXX XXXX via phone on Thursday XXXX to confirm that the credit scores were correct and had no issues speaking with a live agent. However, when I tried to contact XXXX, I had to go through an automated system which is obviously set up so that you can not and will not reach a live agent. The automated system will give you information that you could find on the XXXX  website but can not answer the question of why there is such a large discrepancy between the scores. 
On Friday XXXX I found a way to bypass the the automated system and actually had a young lady answer the call. After explaining to her that I was trying to speak with someone on my credit score, she said that she would transfer me to another department and it went straight to the frustrating automated service that will not connect you to a live agent. I immediately called back and spoke with a second representative. I explained what happed and ask if she could get me to the right department. 
She basically told me that the only way for me to speak with a live agent was to pay for the premium service and even after that, there would be no guarantee that they could provide the information to my question. 
I'm not sure exactly what is going on with XXXX, but I have reviewed the recent lawsuits against them. This looks like a situation where XXXX  knows that most creditors rely on there scores and for what ever reason are determined to keep individual scores as low as possible. 
I would like to have this investigated and have them explain to me how my personal information on all three credit reports is the same and I'm XXXX lower on XXXX  than the other XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
XXXX 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