vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: FL

Complaint narrative:
StarMark Financial LLC is a claimed debt buyer. They now claim that own a debt that I allegedly owe. They have inaccurately reported unvaried information to credit reporting agencies resulting in negative impacts to my credit score. I have disputed the debt directly with the credit reporting agencies and requested verification documents which were never provided. To my knowledge, I do not owe the claimed debt, yet StarMark continues to report a balance due monthly. Further, I get daily phone calls at all hours. This action needs to stop and the debt needs to be removed from my credit report as it has not been verified.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MI

Complaint narrative:
While at work, someone used my Chime XXXX XXXX card at a XXXX XXXX for XXXX transactions totaling {$280.00}. I filed a police report which I turned into Chime when I filed my dispute, Chime then denied my dispute saying no billing error had occurred, when I called to ask why they just sent me back a copy of my police report stating it was used in their decision making process. When i appealed the decision they told me I would need to turn in a copy of my time card proving I was at work and did not authorize these charges, so I sent them a copy of my time card only for them to turn around and still deny the dispute. When I appealed again they said I should get a letter from my manager stating I was in fact at work during the times shown on my time card, so I did that and they are still denying my dispute. I have talked to XXXX supervisors who have stated they can see no reason why this dispute continues to be denied but that there is no way of contacting the investigation team for an answer and that all they can do is request the documentation used in making the denial decision, when I get the documents used in their decision it is just copies of the police report, my time card and now the letter from my manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am currently at the XXXX XXXX XXXX in XXXX  I used my chase XXXX credit card to check in on Saturday, today I received notification that my credit line was decreased by XXXX AFTER attempting to make a purchase at the resort. I called customer service and was hung up on twice after stating my credit increase was declined. I ask why and the manager said I went over my credit limit which was a bold face lie I had at least XXXX in credit left and STILL have XXXX left in credit and he refused to give me a proper reason for the sudden decrease then hung up on me. I check out of the resort tomorrow and my charges to the card will be declined causing my family to be stuck in Hawaii

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from this date, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs closed my Apple Card after saying I violated the terms and conditions of the customer agreement. They refused to tell me though HOW I violated those terms and conditions. Ive had the Apple Card for 5 years, never missed a payment, never used it for anything other than regular stores and restaurants. Have called and emailed repeatedly and they refuse to tell me why my {$36000.00} credit limit card is now closed. And they keep telling me to reapply since the balance on my closed account is {$0.00}. But the system will not let me reapply. Seems like Goldman Sachs doesnt like people who pay off their balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the information 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. They have also blocked me from re-disputing the account. 

The balance + payment history are inaccurate which is against FCRA laws. I made monthly payment for this account as part of an agreement with XXXX XXXX. They are not showing my completion of said payments. They also state the account was charged-off and written-off, however, they are still actively incorrectly updating the balance and reporting the account 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 2025-03-13 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: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: TX

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute three unauthorized hard inquiries that appear on my XXXX credit report. I did not authorize these inquiries, and I request that they be removed immediately to ensure the accuracy of my credit file. The inquiries in question are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be included on my credit report with my explicit permission. Since I did not authorize these inquiries, I am requesting that XXXX investigate and remove them promptly. 

I have attached a copy of my identification and a copy of my credit report highlighting the disputed inquiries for reference. Please provide written confirmation once these inquiries have been removed or if further information is required. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sold {$18000.00} worth of XXXX XXXX  sets to a man in Georgia from which was payed through Paypal XXXX per customer request despite my request to use XXXX because of buyer protection. Once the money was received and on hold I got impatient and called in request to receive the money sooner. I was then told that because it was a XXXX  sale I was a buisness which I am not, I then was told by the woman on the customer service number ( XXXX ) XXXX that I would just need to submit my proof of ID and since I had no proof of business to submit in the files request page a statement of " Single time sale ''. I was then banned and my money has now been placed on hold for 120 days despite me not knowing what I have done wrong and customer service has informed me I can not do anything to appeal this despite my lack of knowledge on what I did. I called once each day to speak with someone to help and they brushed me off " There is nothing we can do ''. while saying the back office team will look into it. But never addressing the issue of my false ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 


To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.

XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Car was broken into while at court couldn't take purse or phone in court someone wiped my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  and on XXXX A dispute letter was sent to XXXX XXXX XXXX a negative credit report trade line. The amount of the debt is {$10000.00}

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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
I have never lived in XXXX XXXX and this company has popped up on my credit report as a debt. But only on my XXXX report. I have no purchase agreement with this company and they have not sent or provided anything Ive requested.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AL

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 Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation