vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: U.S. BANCORP
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXXXXXX XXXX ( XXXX ), XXXX, and U.S. Bank for multiple violations of federal and state consumer protection laws in connection with fraudulent debt collection, securitization violations, and continued reporting of charged-off debts that are legally uncollectible. 

XXXX. Attempting to Collect on Debts That Were Securitized & Discharged The debts in question were charged off, transferred into a trust, and securitized, meaning XXXX, XXXX, and U.S. Bank no longer have any legal ownership or standing to collect. 
Per UCC Article 9 & federal securitization laws, once a debt has been transferred into a trust for securitization, the original creditor no longer has any right to collect or report it unless it repurchases the debt ( which did not occur ).

Despite this, the banks have continued to attempt collections and to report these accounts as outstanding, in violation of 15 U.S.C. 1692e ( False or Misleading Representations ) under the FDCPA.

2. Failure to Validate Debt Under FDCPA & FCRA The Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) require that a debt be validated upon request.

These banks have failed to provide a proper chain of title or verification of the alleged debts in compliance with 15 U.S.C. 1692g ( Debt Validation Requirements ).

Without a lawful assignment or proof of ownership, these debts must be permanently removed.

3. Continued Reporting of Charged-Off & Securitized Accounts as Delinquent Under 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ), a creditor may not furnish inaccurate or unverifiable information.

These banks continue to report these debts as past due despite them being fully charged off and sold.

This constitutes reckless and willful misreporting under 15 U.S.C. 1681n, making them liable for damages.

4. Violation of the Truth in Lending Act ( TILA ) & Fair Credit Billing Act ( FCBA ) By continuing to misrepresent the status of these accounts, these entities have engaged in deceptive lending practices under 15 U.S.C. 1601 et seq. ( TILA ).

These banks have also violated 12 C.F.R. 1026 ( Regulation Z ), which mandates clear and accurate account disclosures.

5. Unlawful Attempt to Collect on Discharged & Time-Barred Debts Under state and federal laws, charged-off debts that are time-barred can not be collected on, sold, or reported as active delinquencies. 
The FTC and CFPB have fined banks for this practice, yet XXXX, XXXX, and U.S. Bank continue to engage in it. 
This is a clear violation of the FDCPA, FCRA, and various state laws.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint for the XXXX XXXX XXXX XXXX XXXX with Chase. This card advertises a companion economy ticket whenever {$30000.00} in spending is reached in a calendar year, plus priority boarding on all XXXX XXXX flights leaving the XXXX and XXXX. I have had to endure XXXX weeks of phone calls to the XXXX to contact XXXX, XXXX to contact XXXX, and Chase to try and get the companion ticket that they claim should be automatically sent either to my email or home address. All 3 companies point the finger at each other. Additionally, none of their gate agents in either the XXXX or XXXX are aware of the priority boarding that is part of the cardmember agreement and I have to argue pulling up websites and have often gotten denied in embarrassment. XXXX is shocking that there is a {$95.00} annual fee and I am doing all the work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHE MY FTC REPORTING TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am filing a formal complaint against American Express, XXXXXXXX XXXX, and XXXX XXXX  for multiple violations of federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection statutes. These institutions have engaged in unlawful reporting practices, unauthorized credit inquiries, and failure to investigate legitimate disputes, causing significant financial harm and credit damage. 

1. Unauthorized & Fraudulent Credit Reporting American Express, XXXX XXXX, and XXXX XXXX  have continued to report unauthorized, fraudulent, or unverified accounts on my credit report. 
These entities have failed to provide proper validation of these debts as required under 15 U.S.C. 1681s-2 ( a ). 
These banks must not report debts that they can not validate or legally claim ownership of. 
Specifically : American Express is reporting fraudulent accounts ending in XXXX and XXXX despite the fact that these accounts are linked to identity theft and unauthorized transactions. 
XXXX XXXX  and XXXX XXXX  have reported unverifiable negative items that have not been properly validated under FCRA and FDCPA statutes. 
2. Failure to Conduct a Proper Reinvestigation Under 15 U.S.C. 1681i ( a ), credit furnishers must conduct a proper investigation when an account is disputed. 
Despite multiple disputes, these banks have failed to provide sufficient validation and continue reporting inaccurate and unverifiable data. 
This constitutes reckless and willful misreporting under 15 U.S.C. 1681n ( FCRA liability for willful noncompliance ). 
3. Unauthorized Hard Inquiries Without Permissible Purpose American Express, XXXX XXXX, and XXXX XXXX  have placed hard inquiries on my credit report without my written authorization. 
Under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), a creditor must obtain express consent before accessing a consumer credit report. 
These inquiries were conducted without my prior consent or a permissible purpose under the law. 
Unauthorized credit inquiries constitute a serious violation of consumer rights and result in unjustified credit score reductions. 
4. Violation of the Identity Theft & Assumption Deterrence Act ( 18 U.S.C. 1028 ) I have provided FTC identity theft reports, police reports, and multiple dispute notices to inform these entities of fraudulent activity. 
These banks continue to ignore clear evidence of fraud and fail to take corrective action in violation of 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I applied for the Chase XXXX XXXX after receiving a mailer offering : XXXX XXXX  toward XXXX status and XXXX miles if I applied before XX/XX/XXXX and spent {$5000.00} within the first XXXX months. 
Before applying, I called Chase to confirm this promotion, and the representative explicitly affirmed that this was the correct offer. 

Between XX/XX/XXXX XX/XX/XXXX XXXX : Met the spending requirement to qualify for the promotion. 
Called Chase multiple times to confirm my eligibility. 
Provided documentation ( forwarding the mailer, details of the offer, and proof of my qualification ) after they repeatedly denied me. 
Was repeatedly dismissed, belittled, and gaslighted by Chase representatives, who claimed the promotion did not exist. 
XX/XX/XXXX Chase continues to deny my eligibility for the promotional offer and suggest I call XXXX who continuously push me back off to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> TransUnion, XXXX TransUnion, XXXX XXXX TransUnion, XXXX TransUnion, XXXX Subject : Notice of Civil Liability for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. 

Upon reviewing my credit report, I identified inaccurate and/or incomplete information that you have failed to correct despite previous requests for verification and correction. The following items are in dispute : 1. security finance Inaccurate debt. 
XXXX XXXX XXXXs another inaccurate account/ debt XXXX XXXX another inaccurate debt XXXXXXXX XXXX closes account but still on my credit report. 

According to 15 U.S. Code 1681o, any person who negligently fails to comply with the FCRA is liable for : Actual damages sustained as a result of the failure to comply has been the inability to get reliable transportation and home shelter due to inaccurate credit reports. 


Despite my previous request ( s ), you have failed to fulfill your obligations under the FCRA, including ensuring the accuracy and completeness of the information you report. Your failure to properly investigate and correct these inaccuracies has caused me harm, including but not limited to financial loss, damage to my credit reputation, and emotional distress. 

I demand that you immediately investigate and correct these errors in compliance with the FCRA. Additionally, I request a written response within 30 days confirming the corrections. If you fail to act, I will have no choice but to seek legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages. 

Please treat this matter with urgency, and provide confirmation of your compliance. You may respond to me at the contact information provided above. 

Sincerely, 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 2025-02-23 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My personal information was exposed in a data breach and I have charges and inquiries that I did not do.

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 2025-02-23 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: TN

Complaint narrative:
My personal information was exposed in a data breach and I have charges and inquiries that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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 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 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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-23 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: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a credit card with XXXX  XXXX was added to my report. This account was opened on XX/XX/XXXX. 
I did not open this account and I was not aware of this account until I was notified that 105 % of credit card usage was made.

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 2025-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I first opened a savings account with XXXX, and funded this account with {$40000.00} from my XXXX account on XX/XX/XXXX which would reportedly debit on XX/XX/XXXX. Despite this whole process, at no point was I ever actually able to make an online account. 

I received an e-mail on XX/XX/XXXX that was e-statement was ready to view, and tried again at that time, unsuccessfully. Their website would always give the following error message when trying to make the actual account / login information : " We are unable to validate your information. You may try again, or for assistance contact Customer Service at XXXX. '' I attempted to call customer service multiple times, often only get robots through the first stages, particularly because without a login I do not know my own account number except the last 4 digits that they included when they let me know my e-statement was available. When calling on XX/XX/XXXX at around XXXX, when I finally reached a human, they left me on hold for over 1hr 30min, probably hoping their customers would just give up. 

At this point, this bank feels like a complete scam. I would like access to my {$40000.00} to move it straight back to XXXX ASAP. Completely baiting people with a high interest rate but then just not even letting people have access to their own money. I have been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am not liable for this debt. I do not have a contract nor have they provide me with the original contract or the method of verification as requested. Per 15USC 1681 ( e ) ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
Expierian 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 ammend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I request money back because my account was hacked.

Company response to consumer: Closed with explanation