vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i applied for a modification through chase mortgage as due to Covid and financial hardship, I was not able to make chase mortgage payments and got a forbearance for some time. 

I was expecting CA mortgage relief to cover my missed payments, but unfortunately they did not, as they ran out of funds. 

Chase Mortgage initially did approve my modification, but I did not receive the paperwork in my email, I am a XXXX XXXX  and usually I am XXXX  in all the states of America, as soon as I got their email I got it notarized and sent it to chase, but chase said I am too late and rejected it, and now chase is asking me to pay all {$40000.00} approximately altogether. 

I have to XXXX kids, wife, mother in law to feed, I am trying to work with Chase, but chase is being very stern and not working with me, this is very unfair and doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Synovus Bank
State: MA

Complaint narrative:
Account XXXX XXXX XXXX ) was paid XX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. XXXX paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
I was checking my credit reports and realized that it had fraudulent accounts that I knew nothing about.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My social security posted XX/XX/. Capital One has blocked access to my account claiming that I am a fraud risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
It all started on XX/XX/XXXX. I received a text message about a toll payment, which I thought was legitimate. The message stated that I needed to pay only {$6.00}, so I entered my credit card information. Since it sometimes takes a few days for transactions to process, I didnt think much of it at first. 

However, a couple of days later, I noticed unauthorized charges appearing on my account. Instead of the {$6.00} toll fee I expected, I was shocked to see transactions totaling {$980.00} and {$1300.00}, adding up to $ XXXX was all the money I had, including funds from my college. Thats when I realized I had fallen for a scam and that the toll message was fake. 

I provided a message that sent to me that made me nervous thinking i owe toll fees to dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
I, XXXX XXXX XXXX, have been a victim of identity theft. Unauthorized individuals have fraudulently used my personal information without my consent. I am not responsible for any transactions, accounts, or actions taken in my name without my authorization. I am taking all necessary steps to report and resolve this matter with the appropriate authorities and financial institutions.

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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I placed an order on XX/XX/XXXX using my Chase Sapphire Reserve card ending in XXXX for a " soundbed '' from XXXX XXXX ( XXXX ) through their merchant services company XXXX ( XXXX ) for {$2300.00}. 

The product was supposed to be on backorder. After waiting until XX/XX/XXXX, I contacted XXXX XXXX and received a template email apologizing for the delay with no specific information. 

Online searches reveal there are numerous complaints ( and very few successfully fulfilled orders ) and significant delays and overall weirdness ( refunds by check that never appears? ) with the refund process. I am concerned that XXXXXXXX XXXX cancellation process is not set up to properly and promptly deliver a refund. 

I called Chase to request a chargeback. However, I was informed that this was out of Chase 's chargeback window, and I was provided the information for Chase 's Purchase Protection service. Unfortunately, that service does not apply, since the product has never shipped.

I'm getting the runaround here. Can you please help me? 1 ) I would like Chase to apply a late chargeback. 2 ) I would like ChaseXXXX to consider revoking XXXX 's ability to process payments unless they investigate or remove XXXX from their platform. 3 ) Someone really ought to look into XXXX. 

All that being said, I just want to see some movement on this. 

With gratitude, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-02 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor AT T Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
This is an ongoing problem with Experian, and XXXX XXXX  as a past creditor, reporting my only one account with XXXX XXXX but is reporting twice on my Experian credit report. I opened this personal loan in XXXX, XXXX. Due to XXXX XXXX related health issues and being XXXX, I fell behind in payments, causing this account to be placed in collections. The original account starting with XXXX with original balance of {$9000.00} then being settled in XX/XX/XXXXXXXX  is the correct information. As you can see with attached pics, a second XXXX  account starting with # XXXX is incorrect information as to identical account information but additional information as to account being Transferred, closed and written off is a false, misleading and fraudulent information. As you can see in original XXXX XXXX account information stating with # XXXX specificity reads, account paid in settlement, {$7300.00} written off as of XX/XX/XXXXXXXX  is also incorrect and inaccurate. This account was settled with customer service for {$3200.00} settlement of the {$7300.00} owed. The account was then considered paid, closed settled for less then owed with the payment of {$3200.00} payment. It appears XXXX XXXX claimed this account as written off for tax purposes then settled the same written off account with collection of {$3200.00} more XXXX XXXX has, I believe fraud of the IRS by 1st writing of this account for tax purposes then turns around and collects an additional {$3200.00} in a customer assistance program to settle an account thats already been written off for business tax reasons. Now Im being affected negatively by this account being reported twice on my credit report, one as to being settled in XX/XX/XXXXXXXX  with my {$3200.00} payment, after XXXX XXXX already written the account off with the IRS. Then XXXX XXXX  XXXX this same account with now a different account number of XXXX with identical information but with statement of Transferred, closed, {$7300.00} written off. This is outrageous, false, misleading and fraudulent information being reported twice by XXXX XXXX  who I believe has committed fraud upon the IRS. There should only be one XXXX XXXX  creditor on my Experian credit report that should this account was paid, closed, and settled in customer agreement in XX/XX/XXXX. Thats it.

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 2025-03-02 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: TN

Complaint narrative:
The lender told me back in XXXX or XX/XX/XXXX I wouldn't have to start my payments until XXXX of XXXX but the adding interest rates on my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi. The issue occurred on XX/XX/year> between XXXX and XXXX. Performed a {$2000.00} cash deposit at the ATM. The machine took a very long time to process. It sounded as though it kept counting the bills over and over. After about what seemed like 5-6 minutes, it displayed an error and shot out a receipt stating to call customer service to verify the deposit. I called them, gave them the information they requested from the receipt and was told they filed a ticket. They told me temporary funds would be in the account in a few hours. The funds were not available till the next day. I did not hear anything from them until I looked at my bank account on XX/XX/year> and noticed there was a reversal for {$1000.00}. I called them and spoke to a representative and he told me it appeared to be human error. He would process the credit for the {$1000.00} and it should be in my account the next day. No credit was applied on XX/XX/year>, so I again called them and was told their investigation concluded only {$1000.00} was deposited. I complained with her about the issue and she processed another ticket and told me it would be completed between Tuesday and Thursday of next week. She said if nothing was done, to call back and escalate the issue do they would look into the cameras at the atm to verify. I just received a letter in my Chase account today, XX/XX/year> that states : As a result of our research, we confirmed there was no deposit made to your account. No adjustment will be made to your account at this time. I have also filed a complaint with the FDIC, with the same information as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX ] Nature of Dispute : [ Account is only reported to TransUnion and the account information is missing from XXXX and XXXX both ] I believe this information is inaccurate for the following reason : [ just that is not being reported by XXXX nor XXXX at all let 's me know that any information TransUnion is incorrect and needs to be deleted.

Legal Basis for Dispute Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You
are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy. 
15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by XXXX XXXX. XXXX ( b ). 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 
Request for Resolution I request that you : Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ). Delete or correct any inaccurate or unverifiable information. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information. 

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, 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 2025-03-02 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
My personal information was shared to strangers due to a data breach

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