vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Subject : Dispute Regarding Unauthorized Charge Chase 's Refusal to Resolve Complaint Summary : I am filing a complaint against Chase Bank for refusing to reopen and resolve a dispute regarding an unauthorized charge on my credit card ending in XXXX. 

The charge in question, {$120.00}, was made by a XXXX XXXX. However, this charge should not have been applied because I had prepaid {$130.00} for the same stay through a third-party payment platform, XXXX, and have been paying it monthly. 

I provided Chase with the following supporting information : The date, time, and details of the transaction. 
Proof of the prepaid {$130.00} charge through XXXX for the same stay. 
Confirmation from the hotel that they could not locate the {$120.00} charge in their system and therefore could not refund it. 
Despite this, Chase continues to claim that the merchant has validated the charge and has refused to refund the amount to my account. This has caused significant frustration and inconvenience, as both Chase and the merchant deny responsibility despite my clear evidence. 

Desired Resolution : I am requesting the CFPB to investigate Chases mishandling of this dispute and advocate for a proper resolution. Specifically, I would like Chase to : Reopen the dispute and thoroughly investigate the charge. 
Provide a refund of {$120.00}, as I have proven that this charge is invalid. 
Escalate this issue to the executive or corporate level to ensure fair treatment and resolution. 
Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Whom it may concern, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Global Lending Services, I XXXX  XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Its things and addresses on my credit report that I have tried to dispute multiple times and they are still on there causing me to get denied for things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Its things and addresses on my credit report that I have tried to dispute multiple times and they are still on there causing me to get denied for things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing a complaint again Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC. s 1681i which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the Consumer Financial Protection Act ( CFPA ), 12USC ss5536 ( a ) ( 1 ) - ( B ) as highlight in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit which mandates a reasonable investigation of disputes. Furthermore Experian action may also contravene the consumer.Financial Protection Act ( CFPA ) 12 USC ss 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the ( CFPB 's ) recent administrative proceeding ( file No. 2025 CFPB-0002 ) again them for similar violation. I request that the CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation. I want theses reported accounts to be removed. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX 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
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
i was trying to zelle money before they developed the warning and after i mistaking zelle the money they said my money is gone and theres nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am writing to dispute an inaccurate late payment entry on my credit report for the account associated with Chrysler Capital. The report indicates that this account is 30+ days late, which is incorrect. Also, the only reason why this insurance loss auto lease was closed early was because I personally disputed that it was closed with XXXX since Chrysler Capital had it active AFTER the insurance had paid it out. 

The account was paid on time for the month of [ XX/XX/year> ] and was closed early shortly thereafter due to it being a total loss. There were no late payments associated with this account during the period in question. The account should not reflect any XXXX day late status. 

Please investigate this matter and correct the information on my credit report to accurately reflect the account 's payment history. This account was paid in full by my insurance. However, on my credit report it shows it was closed on XX/XX/year>, when I made one on time payment on it. 

Thank you for your attention to this matter. I look forward to your prompt resolution and confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. SOUTHWEST CREDIT SYSTEMS LP {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have four business accounts with Wells Fargo. The bank will not allow you to transfer more than {$15000.00} to a different bank in a 30 day period. This limit is not for each individual account, it is a collective limit for all accounts. 

On XXXX I spoke to customer service and they stated that the limit was a Wells Policy and could not be changed. I stated that these were four separate accounts for four separate entities. According to Wells personnel, that is irrelevant. They suggested wiring, which costs {$25.00} per transaction, as an alternative.

This policy is incredibly one sided. It allows the bank to keep the consumer 's money in a low interest account or charge them a high fee to move the money. It is inherently unfair and needs to be changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may contravene the Consumer Financial Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Its things and addresses on my credit report that I have tried to dispute multiple times and they are still on there causing me to get denied for things

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Help me create a dispute letter using 1681.0 civil liability for negligent compliance. Navy account XXXX, XXXX XXXX account XXXX, XXXX  account 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I am requesting that CONSUMER ADJ CO immediately remove the inaccurate information associated with account number XXXX from my credit report. The reported highest balance of {$1400.00} is incorrect, and I have not been notified of any updates, changes, or overdue payments on this account, as required under the Fair Credit Reporting Act ( FCRA ).

To resolve this issue, I request that CONSUMER ADJ CO provide written confirmation that the inaccurate entry has been deleted from my credit report. If they can not provide proper documentation verifying the reported balance, I expect the account to be completely removed from my credit file.

This resolution is in accordance with my rights under the FCRA, which ensures that all information on my credit report is accurate and that I receive appropriate notification of any updates or changes. I expect a prompt and fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. In addition to the two violations above I have disputed to Equifax to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX. XXXX : Account # XXXX XXXX XXXX XXXX XXXX day late ( should report on time ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX  day late ( should report on time ) XXXX. XXXXXXXX XXXX  : Account # XXXX - Listed as a charge off, no knowledge or record of this account. 

XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX  XXXX Account # XXXX - Item needs to be removed as I have provided documentation to Equifax that this {$760.00} charge is not mine. 

XXXX. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to Equifax that this {$2200.00} charge is not mine. 


XXXX. ALL DEPARTMENT OF EDXXXX ACCOUNTS XXXX. The only address that should be listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The only name that should reflect on my report is XXXX XXXX XXXX XXXX. The only phone number that should reflect on my report is XXXX XXXX. The employers listed on my report are false. I have never worked for either of these companies. 

XXXX. HARD INQUIRIES - I never consented for any injuries to my credit report besides XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Reporting of Unauthorized Account Information Pursuant to 18 USC 8 , 15 USC 1681b , and 15 USC 1681 Dear Fair Collections & Outsourcing, This letter serves as formal notice regarding the account in question reported under my name : Original Creditor : XXXXXXXX XXXX XXXXXXXX Amount Owed : {$16000.00} Account Status : Unpaid Date of Assignment : XX/XX/XXXX Balance Owed : {$16000.00} I hereby dispute the validity of this alleged debt and the manner in which it is being reported. Pursuant to 18 USC 8, I affirm that I owe no debt to your company, XXXX XXXX, or any affiliated entities. Additionally, your actions are in violation of my consumer rights as outlined in the following statutes : 15 USC 1681b ( 2 ) : You have no permissible purpose to use, access, or report my personal information for the purposes of credit reporting without my explicit authorization.

15 USC 1681 ( 4 ) : You are prohibited from reporting or disseminating information regarding this alleged debt without valid proof or my permission.

As such, your continued reporting of this account constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, I demand : Immediate cessation of any reporting of this account to credit reporting agencies.

Full reinvestigation of this account as indicated by your current status update dated XX/XX/XXXX ( " Consumer Disputes This Account Information Reinvestigation in Progress '' ). 

Complete documentation proving the validity of this alleged debt, including but not limited to : Original signed contract bearing my signature.

Proof that this debt was incurred legally and is enforceable under applicable laws.

Evidence of any payments allegedly made or owed.

If you fail to provide the requested validation, you must immediately cease all collection activities and remove any associated information from my credit report. Be advised that non-compliance may result in legal action against your company for willful violations of federal statutes.

Company response to consumer: Closed with non-monetary relief