vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/scrub> 2024, I booked a round-trip flight from XXXX to XXXX through my Chase XXXX account . My original itinerary included a departure from XXXX to XXXX, then to XXXX XXXX, and finally XXXX. The ticket I purchased allowed two checked bags. 

However, in XXXX, XXXX XXXX canceled my XXXX to XXXX flight and notified my travel agency, but not me. According to XXXX policy, flight changes must be made within 60 days, but since I was never informed, this deadline was missed. It wasnt until late XXXX that I received a call from Chase XXXX informing me of the cancellation. By then, XXXX refused to reschedule my flight, citing the expired 60-day window. 

To resolve this issue, I had to contact Chase XXXX at least 15 times, with some calls exceeding two hours. I also reached out to XXXX XXXX multiple times. Despite Chase XXXX repeatedly contacting XXXX, no resolution was provided for weeks. Eventually, about 710 days before my departure, they managed to book me a new flight. Meanwhile, due to the uncertainty, I had to purchase a separate ticket with XXXX XXXX for my XXXX to XXXX leg. 

After my flight was rebooked, I was unexpectedly downgraded to a lower class. When I inquired about it, they initially misled me, claiming that my connection was now with XXXX XXXX, which is why I was no longer eligible for two checked bags. Fortunately, my return flight was also with XXXX XXXX, giving me leverage to challenge their claim. After further discussions, they finally agreed to reimburse me for any additional baggage fees I incurred at the airport. 

Following my trip, I emailed Chase XXXX the receipts for the baggage fees, as instructed. I paid XXXX dollars at the airport. However, I had to call them again to check on my refund status, only to be told that my case had been closed. After explaining the situation, my call was escalated to a higher authority, who acknowledged my claim was valid. Despite this, the customer service representative did not even send me a follow-up email regarding my case review. Instead, I was informed that it would take two months for me to receive a reimbursement check. 

To this day, I have not received any confirmation email, and I am left dealing with the financial burden of my credit card charges. This entire process has been exhausting and extremely stressful, all for simply getting a refund for money I rightfully spent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I dont agree with the amount being charged my daughter only attended the school for 3 years and I paid for the first semester out of pocket, I believe that I was unfairly charged. I also believe that my account has been compromised by XXXX XXXX and doge because they have unlimited access to my account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I would like the inquieries on my credit report removed these accounts are non active accounts, these where not authorized Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BMW of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX BMW financial XX/XX/XXXX BMW of XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I would like the inquieries on my credit report removed these accounts are non active accounts, these where not authorized Ally Financial XX/XX/XXXX JPMC XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX JPMC Auto XX/XX/XXXX JPMCB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> at XXXX I received an e-mail notification from XXXX XXXX that a transfer was initiated and completed for {$480.00}, {$3.00} of that being a transfer fee. One minute later at XXXX I received another e-mail that another ( second ) transaction for {$480.00} was initiated and completed. 

At XXXX I received another e-mail notification that another ( third ) transaction had tried to go through, but was declined by my bank because there was not enough funds. I total of {$960.00} was taken out of my account with those two transactions, and the third denied because there was not enough funds. Within 10 minutes at XXXX I called XXXX XXXX to notify them that this was fraud. I did not authorize these transactions. 

After that call ended, at XXXX I called Capital One and notified them that this was fraud. I do recognize the name on the account where the funds were received, but none of the information that was used to make that transfer was ever in my possession. Both of them notified me that I need to dispute with Capital One once the transaction has posted. When I went to file the police report, they said I need to wait until the transaction posted to report it. 

Once it posted, I filed a police report. Capital One took my dispute and credited my account on XX/XX/XXXX. On XX/XX/XXXX, I was notified by Capital One that the dispute was denied and they would take the credit back out of my account within 10 days. What I do not understand is how this was not flagged as fraud by either XXXX XXXX and Capital One to at the very least verify these transactions. 

I have received fraud check texts and e-mails to say " Is this you this might be fraud '' because of suspicious transactions. This has happened for something even less than {$10.00}. I do not understand how three ( 3 ) transactions for {$480.00} within a few minutes does not get flagged as suspicious. 

Since the claim was denied, I took all of my money out of the account by transferring to another bank account I own once all pending transactions completed on the Capital One account ( s ). I closed the checking on XX/XX/XXXX, and the savings XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I can not give the exact date because I do not have access to my account details. After several times of request requesting information cash up finally told me that my account was abruptly closed because of violations. I can assure you nothing crazy was going on with my account. However, I requested information as to what guidelines were violated, and I was told that there was no information they can give me. I asked how this matter can be resolved and they told me it can not. I asked to speak to somebody on the phone. They told me they are not available. /Forward to three years later today, XX/XX/year>. I found a phone number that I could call yet. I was met with continuous hang ups. The representatives all hung up on me because I insisted on speaking with a manager. They also did not want to be recorded and I asked if I was being recorded and they told me yes. I requested reciprocity and they did not reciprocate. They further told me that my issue will be marked as resolved, and that I did not give them enough information, which is not true. They were continuously lying in regarding me, not being cooperative when I gave them my information and confirmed my account. The moment they saw that the account was closed. They were unwilling to help me. Its been almost 3 1/2 years and I still have no clue what happened with my account. I also was not able to participate in the lawsuit because I can not get any information on my account. I need someone to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

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. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

DEPT OF EDUCATIONXXXX XXXX Balance : {$5300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-23 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: Incomm Holdings Inc.
State: MI

Complaint narrative:
I received a {$500.00} Vanilla Visa gift card from my workplace. This was a gift to me - I did not purchase this myself. I registered the card with Vanilla on XX/XX/year>2025. I first attempted to use the card for an online transaction with XXXX on XX/XX/year>2025 ( the order was for the less than the amount of the gift card ). I couldn't even load the gift card as a payment option as it kept telling me that there was an error with the expiration date, even though I entered the information correctly. I contacted Vanilla and was told that they needed there to be a declined transaction in order for them to be able to help me. I can't even get to that point because the merchant is telling me the card is coming up as invalid due to the expiration date. They kept insisting that I needed to try to using the card with different merchants, but I explained to them that this card is supposed to be accepted anywhere that accepts XXXX XXXX XXXX  and that the issue is on their end. They also told me that I should add the card to an XXXXXXXX XXXXXXXX, a XXXX XXXX or a XXXX XXXX, and they could assist me with that, but why should I have to do this in order to use the funds? I don't have any of these virtual wallets. The point of these gift cards is to enable the recipient/user to use them at will. If I can't use the card how/when/where I want to, I told them that I want them to instead cut me a check for the amount of the funds on the card. I was told they could only do that if I submitted various pieces of documentation to them, including the purchase transaction information. This was a GIFT... I do not have that. I have done a lot of investigation online this morning and I finding that this is apparently a very common and well-known issue with Vanilla ( InComm ). It is apparently tremendously difficult to redeem these cards when it should be simple. How are they still allowed to operate in the XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Re : Dispute of Debt Allegedly Owed to Credit Collection Services Dear Sir or Madam, I am writing to formally dispute a debt that is being reported by Credit Collection Services. I have received notice from them stating that I owe a debt, however, I do not believe that I am responsible for the alleged debt, nor do I have any documentation or records supporting this claim. 

Here are the details of the debt in question : Collection Agency Name : Credit Collection Services Account Number ( if available ) : Unknown Amount Allegedly Owed : {$130.00} and {$330.00} Date of Debt : XX/XX/XXXX and XX/XX/XXXX Original Creditor ( if applicable ) : Unknown I have attempted to resolve this matter with Credit Collection Services, but to date, I have not received sufficient evidence or documentation to substantiate this debt. I have also not received any communication from the original creditor regarding this alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that the CFPB investigate this matter on my behalf. I believe that the debt is not valid, and I am requesting that this collection item be removed from my credit report and that the collection efforts cease until proper documentation is provided to verify the legitimacy of this claim. 

Thank you for your assistance in resolving this issue. Please contact me if you need any further information or documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Northstar Location Services, LLC
State: TX

Complaint narrative:
From XXXX  XXXX till XX/XX/XXXX I had difficulty excessing the payment portal and application to manage my accounts and this contributes to current account status XXXX XXXXXXXX and XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
To whom this may concern, My name is XXXX XXXX XXXX .Those accounts attached to this letter does not belong to me. For I have been XXXX  from XXXX I could not have possibly open those accounts. Please remove them. Thank you.

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 2025-03-23 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: PA

Complaint narrative:
To whom this may concern, My name is XXXX XXXX XXXX .Those accounts attached to this letter does not belong to me. For I have been XXXX  from XXXX I could not have possibly open those accounts. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I have a screenshot of the letter. The letter presents a insurance company I never heard of and a date of service that I was not there. I ( and have had similar events ) strongly believe my ex-husband XXXX XXXX gained information through our daughter and got a friend of his to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/year> American Credit Acceptance violated the Fair Credit Reporting Act unlawfully reporting on unauthorized inquiry on my Consumer Report I have not given you permission to access my credit and you have no permissible purpose by law to contact third parties with my private or professional information their offenses amount to aggravated identity theft pursuant to 18 USC 1028a I have not initiated any transaction with American Credit Acceptance furthermore I do not have an account as to find under 15 USC 1693 A2 with American Credit Acceptance for review or collection knowingly and wiffly violated the Federal Credit Reporting Act I'm willing to settle civil liability damages I have suffered as a result of their violation {$4000.00} in pursuant to fcra-616 a1b 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2025 XX/XX/scrub> 2025 I sent a letter to NCB management Services, " stating that I received your letter dated : XXXX XXXX, 2025, stating that you received my letter of dispute of the account mentioned. I also stated that you stated that you have thoroughly investigated the allegation but could not find any substantial evidence to support. I do not understand why you arent able to find any evidence when I gave you my name, address, and account number that you are currently asking for in the letter that I sent for dispute. Furthermore, the false information that you are reporting is in my credit report, reporting to all three bureaus. '' Someone from NCB management services signed for my certified letter on XX/XX/year>2025 at XXXX XXXX. However, not only did NCB management services not provide me with any information associated with the account listed. Additionally, NCB Management Services failed to provide me with the required Notice of Right to Dispute prior to reporting this account to all three credit bureaus, which is a violation of the FDCPA. Without receiving this notice, I was deprived of my right to fully challenge and verify the accuracy of the debt before it appeared on my credit report. To this day I have not heard anything from them regarding the information that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Filed application in 2024 for the Borrower 's defense. Application still on review status. Mp communication or update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
My Indigo credit card was closed and late fees were waived on my account. I was told that this would not show up on my credit card as 30 days late because my fees were waived and this was due to trailing interest, but I am seeing 2 instances of 30 days late on my credit report from XX/XX/year>2024 and XX/XX/scrub> 2024 even if the balance was {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation