vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My online Chase Bank account login and password was hacked around XX/XX/year> and somehow a person logged into my account and created multiple online bill payments to an unknown XXXX XXXX XXXX XXXX XXXX XXXX  account. They processed several transactions from XXXX XXXX through XX/XX/year> before I noticed the withdrawals. I noticed the withdrawals on XX/XX/year> and immediately changed all my passwords and bank security credentials as well as submit a Chase fraud claim. I found also logins on the online Chase account security history from a XXXX XXXX device that was not mine and they corresponded to the dates of online bill payments. I also noticed that I had XXXX enabled on the accounts but somehow they were XXXX during this period and I did not disable them nor got any confirmation in email or text of them being XXXX. Approx. {$50000.00} was transferred illegally from my accounts through unauthorized bill payments. Chase repeatedly refuses to accept this as fraud and does not provide any proof or support any data for helping to prove the fraud and take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
All three of credit report contain collection and still that wasnt authorized by me source receivables this account was open under my name. I have no knowledge of this account even being on my credit report. Due to the recent lawsuit XXXX  in. XX/XX/2025 I insist you conduct an investigation as you are required by FCRA LAW I will explicitly say do not accept the findings the furnishers who do not provide thorough results of their investigation please delete the disputed information within the required timeline of 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$4100.00} - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6800.00} - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Bank failed to assist with unauthorized activities on my account claim # XXXX my account number is XXXX my name is XXXX XXXX someone made {$2000.00} of unauthorized payments I made a claim with my bank they are going to look into it and call me back they never did just denied my claim on something I did not authorize or make. I contacted the bank after finding out the claim was denied just for them to tell me there is nothing they can do. This is not right I did not authorize these payments and now I am out {$2000.00} OUR MONEY IS NOT SAFE OUR ACCOUNTS ARE NOT SAFE WITH WELLS FARGO BANK

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding American Expresss Pay Over Time feature, which was activated on my account without my full understanding or clear consent. 

Over the past XXXX XXXX, I have been charged over {$10000.00} in interest, with multiple monthly statements reflecting interest charges between {$500.00} $ XXXX per month. In one calendar year alone, my official Year-End Summary from Amex shows over {$10000.00} in interest charged. Despite making payments, my balance has ballooned to over {$34000.00}, and I only recently discovered that this was largely due to Pay Over Time interest.

At no point was I clearly prompted to opt into the feature, nor did I knowingly activate it. The interest began accruing in the background. There was no direct alert, onboarding, or clear user interface confirming activation. I only became aware when I reviewed my interest charges manually. 

When I contacted Amex to ask how this was activated and why I was not informed, I received vague responses that it had been enabled but no specific proof or record of disclosure. I escalated the issue and was eventually offered {$1400.00} in goodwill credits through live chat support. This included two {$500.00} credits and one {$400.00} credit applied in XX/XX/year>. 

While I appreciate the gesture, this amount does not come close to offsetting the financial harm or addressing the lack of transparency. I am requesting that this issue be reviewed and that Amex be required to provide a partial or full refund of the excessive interest that accrued due to lack of proper disclosure. 

I have saved screenshots of my chats with Amex and compiled 24 months of PDF statements, which I will attach as supporting evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this account on several occasions with the bureaus, disputing the ownership and accuracy of the information posted to my credit reports 1. * * Flow Agreement * * 2. * * Original Ownership Documentation * *, including the name, address, phone number, and original account number associated with the debt. 3. * * Transfer of Assignment * * documentation showing the chain of custody for the debt. 4. * * Original Contract or Credit Agreement * * bearing my handwritten signature, which evidences my agreement to the debt. 5. Purchase price of said debt from the original creditor. 6. Copy of their business license to conduct collections in the State of Florida. Additionally, please confirm the following steps taken to validate the debt : 1.Receipt and review of my request for validation. 2.Verification of the original creditor and account details. 3.Provision of a copy of the original signed agreement. 4.Documentation proving the transfer of ownership of the debt. 5.Confirmation of any amounts owed, including itemized statements or calculations. ABSOLUTELY NONE OF THE REQUESTED DOCUMENTATION HAS BEEN PROVIDED. ONLY A STATEMENT SAYING " VERIFIED, '' which is insufficient to establish their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have a error every time i try to access my credit report online its says it can't be access on line it's been like that for XXXX  years i contact them they might get fix temporarily an then does it again i can't access my report or dispute inaccurate 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 2025-06-20 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Need credit report fixed real name is XXXX XXXX XXXX Need credit report name removed under XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX and XXXX anything that has XXXX will be permanently removed as well as XXXX. XXXX  will be permanently removed. The only address that should be on file. XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
XXXX was tasked with counting qualifying payments towards PSLF. My qualify payments counts are incorrect for the majority of my loans. 

I submitted the first reconsideration form in XX/XX/XXXX. 

My loans numbered XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX should have received PSLF discharge earlier this year. 

Loan numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, are missing qualifying payments counts for XX/XX/XXXX to XX/XX/XXXX. 

Loans XXXX and XXXX are missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX. 


With the exception of XXXX and XXXX of XXXX ( employment not certified ) : Loan XXXX is missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX. 

Loan XXXX is missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX. 

Loan XXXX is missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX. 

Loan XXXX is missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX. 

Loan XXXX is missing qualifying payment counts for XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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: MD

Complaint narrative:
This complaint is being filed to formally request the deletion and blocking of accounts that were not authorized or opened by me. I have no knowledge of these accounts, nor did I initiate them in any way. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Attached are the relevant documents for your consideration. It is also worth noting that the reported information varies between bureaus and contains inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
On XX/XX/year> I pulled my credit report and after careful review I noticed fraudenlent accounts listed on my credit report. I was a victim of identity theft due to a XXXX  breach and my information was stolen. I have disputed the items with the credit bureaus but they are still reporting the negative information and I am unable to obtain credit that I need. Please investigate this matter. 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has committed fraud by misrepresenting credit terms and performing unauthorized credit reductions while obtaining hard credit pulls for a new credit account. 

After meticulous research, I contacted American Express on XX/XX/year> to inquire about opening a new credit account. I was told I qualified for {$15000.00} in NEW credit that would be ADDITIONAL to my existing {$15000.00} credit limit since i would now have TWO cards with them. I was assured that this would bring my total credit with them to {$30000.00}. Based on representations, I agreed to the application and hard credit pull. 

Instead of providing {$15000.00} in new credit as promised, they reduced my existing {$15000.00} credit limit to {$8500.00} WITHOUT my authorization or knowledge. They still are to provide {$15000.00} on the new card Net result : I received {$23000.00} total credit instead of the promised XXXX XXXXThey effectively STOLE {$6500.00} of my existing available credit. In doing so, they have caused me financial harm. 

I would not have agreed to the credit pull if I knew they were reducing my existing credit. My utilization percentage increased due to their unauthorized credit reduction. Higher utilization negatively impacts my credit score. {$6500.00} less available credit affects my financial flexibility. 

I have attempted to do the following : - Called customer service multiple times- Escalated to " super callback '' still refused to honor original terms- Bank claims this is " policy '' but failed to disclose this during the application process. 
- Refused to restore my original {$15000.00} credit limit. 
- Attempted to make me apply for a credit increase to get back credit I already had What I Want : -Restoration of my original {$15000.00} credit limit on my existing card - The {$15000.00} new credit as promised ( total {$30000.00} as originally agreed ) - Documentation sent to credit bureaus stating that credit utilization changes were due to bank error, not customer mismanagement. ( if this is reported to them before fixing ) - Compensation for credit score damage caused by their fraudulent practices Numbers from american express I have called : XXXX XXXX XXXX XXXX I have supporting documents showing my old statement balance and credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA 605B ) To XXXX  : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within XXXX business days of receiving this complaint. This information is the direct result of identity theft and fraud. 

The fraudulent accounts include : CARTER-YOUNG : Collections account from XXXX, balance $ ( private ), linked to a personal loan.

These are fraudulent collections appearing on my XXXX credit report, a copy of which is attached for your review. 

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX XXXX  awards ( e.g., XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXX settlement following procedural failures. 

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 2025-06-20 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:
In the year XXXX i was notified of my information being leaked in a data breach. I was told that i was eligible for repair services. Fast forward XXXX i was taking careful examination of my credit report because i was looking to get a auto loan. Come to find out there's XXXX credit cards that are being reported to my XXXX XXXX and i have no knowledge on how these accounts were opened. The first account a " XXXX '' account opened XX/XX/XXXX fraudulent charges of {$50.00}. " XXXX XXXX XXXX XXXX '' account opened XXXX, XXXX XXXX fraudulent charges of {$11000.00}. The XXXX and final account " XXXX XXXX XXXX '' opened XX/XX/XXXX fraudulent charges : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief