vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
Your full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date of Birth : XX/XX/year> Confirmation of whether you are complaining in your own name or on behalf of a business : Own name Full name of the financial business you are complaining about : Relay If you've complained to Relay already, please let me have their final response letter. Please check their answer in the attached screenshot. 

I'm providing you detailed information here of mine, I will attach also screenshot of their final decision. I need just to provide my bank account 's routing and account number and they initiate the transfer, I'm not in country, they are saying that they can only do via check, but it is not possible for me unfortunately at all. Please help me to resolve this issue and they process the amount to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Ongoing Unjustified Payment Holds Case # XXXX To Whom It May Concern, I am writing to formally express my deep concern and frustration regarding the handling of my business transactions by Chase XXXX XXXX. As a small business owner, I rely on timely access to my funds to sustain operations, pay employees, and grow my business. However, Chase has consistently placed unnecessary holds on my payments, creating severe disruptions.

To date, I have received a total of four ( 4 ) payments, all of which were promptly put on hold without valid justification. None of these transactions were disputed by my clients, yet I was repeatedly asked to submit supporting documentation. Despite complying and providing all requested documents, Chase refused to release the funds, forcing me to return the payments to my clients.

Following this, I proceeded with two ( 2 ) additional transactions, expecting a resolution. Instead, these new payments have also been placed on hold, once again without explanation or clear path to resolution. This repetitive cycle of unnecessary scrutiny is obstructing my business operations and directly impacting my cash flow. 

I have worked in good faith, provided all requested information, and complied with Chases procedures, yet I continue to face the same issue. The handling of my account raises serious concerns regarding Chases policies and their disproportionate application towards my business. 

I demand an immediate resolution to this matter. If Chase can not support legitimate small business transactions, I need a clear statement on the conditions under which I can operate my account, or if I should seek alternative banking solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I applied for a new CC from XXXX XXXX where I have my mortgages. I was denied so I called them to ask why. They said that XXXX  reported that I was late paying my credit card bill. XXXX - XXXX XXXX sent me a notice in a statement back XXXX, I believe that they were going to start charging for paper statements. I called them and said I don't want email statements, I get XXXX emails a day. They stoppped sending me CC statements and I didn't realize it until I got an email saying " this is a friendly reminder about your beals outlet credit card. At that time I created the online account and went in to see statements that were no longer being mailed to me. It was 3 months past due, I called them. I have always paid my revolving credit in full every month until this happened. My history speaks for itself. They said I opted in for paperless but I don't remember how that was done. In any event, I have lots of monthly billings so I didn't realize I had a past due balance. I asked them how I could fix this and they said we'll give you a {$15.00} credit. Not a refund of the interest and charges for 2 months. They changed there method of delivery to me and I did not see any emails with statments. why would I ignore them? I paid the account with all their charges and closed the acct over the phone. I feel this is unfair for them to report this to the credit bureau when it was they who decided to change their method of collecting payment from me. It should be illegal for companies to hit your credit when you have perfect credit over {$400.00} over something like this without sending you a letter or calling your first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Self Financial Inc.
State: MI

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within XXXX business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

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

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 2025-04-04 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: TX

Complaint narrative:
Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution

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 2025-04-04 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:
Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Received notice from Sequuium Asset stating that i own them a debt i sent certified mail requesting purchase agreement/ forward flow agreement the chain of custody agreement and proof that I signed contract with Sequium Asset stating I agree to balance owed. Also request all notices be mailed to address they show and cease all phone and email notifications under 15 us code 1692g sending me statement is not validation and original creditor charged off and is showing no information on credit bureau report account 3 party collector is not original creditor Sequuium Asset responded to complaint that they are 3rd party debt collector and do not own the debt which is owned by XXXX XXXX XXXX  but on XXXX credit report there is not status no balance of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
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 non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am writing to formally address an issue of identity theft involving an unauthorized account opened in my name. This action was fraudulent and not authorized by me in any way.

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 2025-04-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
While reviewing information on my credit report, I noticed that XXXX XXXX has reported derogatory information to my credit report enabling me from obtaining credit for other creditors. This debt shows as charged-off with remarks of profit and loss write-off. This indicates that this was reported to the IRS on their end. I've called and sent letters several times to request a XXXX so that I can file this as income with the IRS. The company has failed to comply with my requests. I'm currently filing this complaint to receive the requested XXXX or have this debt completely removed from 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 2025-04-04 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: TX

Complaint narrative:
While reviewing information on my credit report, I noticed that XXXX XXXX has reported derogatory information to my credit report enabling me from obtaining credit for other creditors. This debt shows as charged-off with remarks of profit and loss write-off. This indicates that this was reported to the IRS on their end. I've called and sent letters several times to request a XXXX so that I can file this as income with the IRS. The company has failed to comply with my requests. I'm currently filing this complaint to receive the requested XXXX or have this debt completely removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
While reviewing information on my credit report, I noticed that XXXX XXXX has reported derogatory information to my credit report enabling me from obtaining credit for other creditors. This debt shows as charged-off with remarks of profit and loss write-off. This indicates that this was reported to the IRS on their end. I've called and sent letters several times to request a XXXX so that I can file this as income with the IRS. The company has failed to comply with my requests. I'm currently filing this complaint to receive the requested XXXX or have this debt completely removed from 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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-04 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am filing a complaint against US Bank regarding deceptive and misleading practices related to their XXXX XXXX XXXX Account. 

US Bank advertised and extended an offer to me for an XXXX XXXX XXXX Account at an interest rate of 3.85 %, with the stated condition that the account balance must remain above {$50000.00} to qualify for this rate. I opened the account and have continuously maintained a balance above this threshold. 

After XXXX months, US Bank unilaterally reduced the interest rate on the account to approximately 1 %, without any prior notification or explanation. This change contradicts the original terms and conditions provided, which only stated that the rate was contingent on maintaining the minimum balance. There was no mention of a time-limited promotion in any documentation I received. 

US Bank continues to advertise similar XXXX XXXX XXXX rates above 3.75 %, furthering the misleading nature of their practices. 

When I contacted US Bank to inquire about the change, I was told that the 3.85 % rate was a promotional rate. However, the representative refused to provide any documentation or specific time frame for how long the promotion was valid. I escalated the call to a supervisor named XXXX, who attempted to persuade me to open a different account. XXXX knowingly misrepresented the new product by claiming that although it was labeled a variable rate account, the bank would not change the rate because they were pushing the product. This is deceptive and contrary to the transparency expected of financial institutions. 

XXXX further refused to provide documentation regarding the original promotions duration or how it was communicated. She repeatedly stated that the rate was variable without acknowledging that the variability was represented as being based solely on account balance. She refused to escalate the matter further, stating that she had no supervisor or manageran alarming statement suggesting a lack of proper oversight or accountability within US Banks customer service hierarchy. 

I believe US Bank engaged in deceptive marketing, failed to properly disclose critical terms, and misrepresented the nature of its financial products. I respectfully request that the CFPB investigate US Banks practices related to this account, including their failure to notify customers of interest rate changes, their refusal to provide documentation, and their misleading and evasive customer service. 

Thank you for your 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 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello. My name is XXXX XXXX. I have been seeking XXXX with a lawyer since XXXX. I had a mortgage with wells Fargo since XXXX with my now ex husband. He had. I income only I did. I lost my home with wells Fargo in XXXX of XXXX. During this time I got a divorce and I have paperwork from the judge that states that my ex has no legal rights with the home. It was assigned to me. I thought it was filed with the judge. I got remarried in XXXX. I thought that when I refinanced my home with my new married name everything would be ok. Wells Fargo needed my ex to sign the refinance paperwork because the divorce agreement never got filed. They would not put my new husbands income on the refinance because he was not on original loan. Then I needed a quick claim deed for my ex to say he wanted nothing to do with the property. That took me months to get him to do. The divorce paperwork had the address but not the address that was sufficient for wells Fargo. Has to have that changed. New husband has to sign refinance paperwork because he lives with me. I don't know. Anyway, thank got behind in payments about a year after I refinanced ( XXXX? ). Got caught up again. Lost job in XXXX. An started seeking XXXX. Then all heck breaks out. First wells Fargo gives me grief about giving me a ( I don't know what you call it ) reduce in the mortgage payments. I get that. Having my XXXX made it harder to understand wording on paperwork but I know. what I was told. I did not know that at the end of XXXX months or so I would have to come up with full payments that didn't include the reduced amount I was paying. I was told I couldn't get any organization to help with wells Fargo mortgage from another organization cause of a claus that said it would accelerate the loan. I couldn't come up with the inflated amount that they

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