vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is against Chase Bank regarding the lack of support and assistance I have received from their claims department. Despite multiple attempts to obtain updates and a finalized resolution for my dispute claims, I have faced delays, unresponsiveness, and a complete lack of transparency in the process. These issues occurred after reaching out to the claims department in XX/XX/2024 and vary in different amounts. 

After experiencing ongoing difficulties with the claims department, I escalated my concerns to the XXXX XXXX department in hopes of receiving proper assistance. However, after opening a case with the XXXX team I was told on more than once occasion, that research would be be conducted and they would assist the claims department with coming to a resolution. Although, there has been no resolution. 

They also failed to acknowledge the claim departments lack of support or communication and did not take any meaningful steps to resolve the issue. Instead, I was met with continued disregard and no clear answers regarding my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Details - No homeowner wants to pay more than {$52000.00} for a bank-signed copy of his Mortgage Loan Agreement. 

What happened? On XX/XX/2024, I received a Remediation Letter from Wells Fargo Bank ( WFB ) acknowledging Wells Fargo " bank errors '' in the approval and finalization of my loan modification. This letter explicitly stated that the Bank 's errors caused financial harm to me. As partial redress, WFB enclosed a cashier 's check for {$4800.00}, calculated solely by WFB, to compensate for miscalculated interest, principal balance, fees, inconvenience, and the time funds were unavailable.

However, the Remediation Letter fails to fully resolve the financial damages caused by WFB, which now exceeds {$52000.00} and ongoing at the rate of {$1200.00} per month.

The Remediation Letter is vague and incomplete, as it does not : - Identify the name or the specific terms of the Loan Modification agreement.

- Specify the time frame or years during which the " bank errors '' and financial miscalculations occurred.

- Address or quantify the full extent of the financial harm I suffered in excess of {$52000.00}.

The letter states that cashing the check does not waive my right to pursue additional legal remedies or claims. This acknowledgment underscores that the {$4800.00} payment is knowingly insufficient to cover the past, present, or future financial damages caused by WFBs misconduct.

What is the issue? WFB has failed to adequately remediate the full financial harm caused by their acknowledged bank errors. The lack of transparency, specificity, and full compensation in the Remediation Letter has left me without clarity regarding the extent of WFB 's liability. The incomplete remediation effort also fails to address my legal right to pursue clarification of the contractual terms and financial obligations under the unnamed Loan Modification. The Remediation Letter reads like a scam, trick, or con that will rob me of my rights if I cash the check.

Additionally, despite WFB 's statement in the Remediation Letter that " mediation '' is available for unresolved matters, this process has not been proactively offered to me in a way that facilitates a timely or fair resolution. No homeowner wants to pay more than {$52000.00} for a Copy of his bank-signed mortgage loan agreement.

Wells Fargo 's Bank errors as stated in the XX/XX/2024 Remediation Letter is solely liable for causing financial harm and actual damages that the bank should fully redress.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried for over 3 years now to get my XXXX fixed so that I may monitor my credit. They asked me to send documents which included a letter, ID, social security, and 2 recent bills with name and address. Ive sent these documents 4 times now. They still have not fixed the issue. Im spending money trying get this fixed. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Credit reports show account as closed. It also show delinquencies in XXXX and XXXX - this is due to credit counseling service advising to make no payments at that time. Settlement amount is not shown. Written off amount is questionable to the highest balance.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Good evening I am asking for a debt validation claim. I want you to send me a full detail list of the payments history on this account. I want to see the original signature that I agree on the contract for this creditor. Had there been any insurance found on this debt. I wan na see the chain of title that you have to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$790.00} Open Date XX/XX/XXXX inquiries 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 2025-03-24 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:
XXXX fraudulent accounts have appeared on my credit report under the company XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I contacted them XX/XX/year> inquiring as to why they have appeared on my credit and stated that they were fraudulent accounts. They were going to mail out some forms which I have yet to receive. I called them again today XX/XX/year> and they stated that they are going to mail the forms again. 
The accounts were opened in XXXX and reflected on my credit in XXXX. They have made another disbursement to the XXXX XXXX  XXXX since then and the reflected balance has doubled. 
I asked if they could put a hold on future disbursements to which they claimed that once the account was active, they were unable to stop the process. 
They suggested that I log into my account at XXXX ( which I have no account with ) I was alerted to the activity through credit monitoring about new accounts and a change of address associated with my name

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 2025-03-24 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: MD

Complaint narrative:
I contacted XXXX BANK 2020 in which the agent informed me on a recorded line that if I paid the account for less it would not affect my credit and if there were problems the late payment and account would be removed. I have been contacting XXXX back filing dispute to no resolve. I ask XXXX per 15 USC XXXX if periodic letter were sent before XXXX days of late and if the letter was mailed or delivered with tracking number for mail or delivery receipt.

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 2025-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Error Description : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

Furthermore, under 15 U.S.C. 6802, financial institutions have a duty to protect consumer privacy, ensuring that personal information is not disclosed without proper authorization. Under 15 U.S.C. 1681s-2, furnishers of credit information are responsible for reporting accurate data and correcting errors upon notification. Lastly, under 18 U.S.C. 1028A, any willful misrepresentation or identity theft in connection with these inaccuracies may be subject to severe legal consequences.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Error Description : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

Furthermore, under 15 U.S.C. 6802, financial institutions have a duty to protect consumer privacy, ensuring that personal information is not disclosed without proper authorization. Under 15 U.S.C. 1681s-2, furnishers of credit information are responsible for reporting accurate data and correcting errors upon notification. Lastly, under 18 U.S.C. 1028A, any willful misrepresentation or identity theft in connection with these inaccuracies may be subject to severe legal consequences.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 



Sincerely,

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 2025-03-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Amex gift cards aren't accepted anywhere. Because the card can't be registered to a person/address, retailers decline it. I've tried in person, I've tried online. I call Amex for help and they just say " It's for your protection, try somewhere else. '' Every time I try somewhere else, another transaction fee gets taken from my balance, just for the actual purchase to be declined. I've had the card since XX/XX/year> and still have not found a way to use this card. Aside from retailers, I also can't use it on XXXX, XXXX, XXXX, XXXX, XXXX... I've tried everything I can think of, and this card just remains useless. Amex just says its for protection and that the retailers are blocked. It's crazy that they can just block all the retailers making the card unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX  upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only XXXX  % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the FCRA, 15 USC 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documents that prove you seen and were sent to valid documentation to say these items are XXXX  % accurate you WILL BE HELD LIABLE under 15 USC 1681n and 15 USC 1681o Civil liability for negligent noncompliance. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$2800.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$780.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$340.00} XX/XX/XXXX, XXXX PM XXXX https : XXXX  XXXX Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$880.00XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear [ Sir/Madam ], I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft. 

Account Name : XXXXXXXX XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please block this fraudulent information from my credit report pursuant to section 605B of  the Fair Credit Reporting Act ( FCRA ) and send the necessary notifications to all furnishers of this information.

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 2025-03-24 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: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Dear [ Sir/Madam ], I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft. 

Account Name : XXXXXXXX XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please block this fraudulent information from my credit report pursuant to section 605B of  the Fair Credit Reporting Act ( FCRA ) and send the necessary notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into Wells Fargo, XX/XX/year>XXXX and attempted to cash in a promissory note that I created for XXXX. This is 100 percent legal per ucc code article 3-104. They told me I have to go through their loan department which isnt true maybe they arent familiar with certain laws. Or maybe Im mistaken but I dont believe so.. the bill of exchange act of 1882 is still in place

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 2025-03-24 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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