vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was away from my job for over two months due to my mother being in the hospital. I took unpaid XXXX and I returned to work on XX/XX/year>. Just last week I was scammed by what I thought to be a Loan Company. I was deceived they gained access to my account and made fraudulent claims to my bank. I now owe the bank for the claims that were reversed. Not only that but I thought the company had paid my debts as a result of the credits I was given. In addition to having to pay back the credits I also sent money to that company thinking they had made payments. As a result of those fraudulent claims, my car loan increased due to the reversals and now they are stating that my car is in danger of repossession. Some of the claims made were also payments that I made to the IRS. If those claims go though then I will owe the IRS as well. It has been a struggle dealing with the bank. I also submitted a fraud report to the Federal Trade Commission, and I am going to file a police report as well. I had to contact XXXX  to notify them as well and now my credit is frozen. It has been extremely stressful this past month any any help would be appreciated. The problem is I dont know if I qualify for help. As of now I am still going trying to resolve what happened but Chase claims department stated that I would be held responsible for those claims made and for the money I sent thinking it was a loan company. I am ashamed and mad at myself for falling for it, but at that time I was desperately searching for a loan to help me and my mother during the difficult time. 

I was deceived by this loan company claiming to pay my debts in order for my credit score to increase and for me to receive a loan. I do not understand how a large corporation like JP Morgan/Chase allowed someone to make 5 fraudulent claims to the same company for over XXXX dollars and not contact me directly. Not only did they do 5 fraudulent claims in one day but they did this for 3 consecutive days which amounted to over XXXX dollars! It wasn't flagged by Chase until this person deposited checks that were altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have been an Amex customer since XXXX. I had a personal platinum, blue cash, and XXXX cards, along with a business platinum, business blue, and business gold card. On XX/XX/XXXX I started receiving emails from Amex at XXXX. Each of these emails was tied to a specific card account and each one had the same text, informing me that Amex was closing that specific account. By XXXX I had received the same email for each of my accounts. They claim the accounts were closed due to " indicia of misuse ''. I tried multiple times to have someone at Amex explain what was done that was in " misuse '' of any of these cards and no one will answer the question. They say refer to your card agreement and that I will receive letters in the mail. As of XX/XX/XXXX I have not received any paper mail in regards to Amex closing all of my accounts. I'm seeing on website forums where many people are saying this same issue happened to them around the same time and no one is getting any proof from Amex of how we were supposedly " misusing '' our cards. This incident not only cost me around XXXX amex points, but has most importantly seriously impacted my XXXX XXXX. My personal platinum card alone was opened in XXXX which has a huge impact on my credit history. I've never missed or been late on any payments, nor have I ever commingled business and personal transactions. Amex will not speak to me on this matter so I'm resorting to filing this complaint in hopes that something can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 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 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 2025-06-03 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:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed and off my credit report as soon as possible. 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 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the administrative forbearance that was placed on my student loan account without my request or consent. This forbearance began in XX/XX/year>, a month which would have marked my XXXX qualifying payment towards my Public Service Loan Forgiveness ( PSLF ) application. These XXXX qualifying payments are a critical part of my eligibility for loan forgiveness, and the actions taken by MOHELA have caused significant disruption to my progress. 

On XX/XX/year>, I contacted MOHELA and explicitly requested to be removed from the administrative forbearance and reinstated on my Income-Based Repayment ( IBR ) plan immediately. However, despite my clear request, the necessary action was not processed, leaving me in the administrative forbearance and delaying my progress towards loan forgiveness. Since that initial contact, I have made several additional calls to MOHELA, on XX/XX/year> requesting the XXXX plan in review from XX/XX/year> be cancelled since the XXXX plan from the prior year was extended. The same request was made again on XXXX I have consistently faced challenges in getting a resolution as I always have a waiting time of XXXX long. 

To date, I have been unable to resolve this issue despite my best efforts, and it has become apparent that MOHELA is not taking the necessary steps to ensure that my PSLF eligibility is properly tracked and maintained. I find this delay, along with the lack of responsiveness, to be unethical and potentially intentional. It is my belief that this issue is being handled in a manner that is both unfair and detrimental to my financial well-being, particularly given the timing of the administrative forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied and was approved for the Paypal XXXX XXXX.. 

Any XXXX card I have ever had in the past did not charge any international transaction fees so I figured this one wouldn't be any different. The whole reason I used this one was to save on the international fees, but to my chagrin, this " World '' card is just like every other US based credit card that DOES charge 3 % per international transaction fee.. It should have been more apparent, and I did not see in any of the card documents about the fees. The card should not be branded as a " XXXX '' card if it has no worldwide benefits

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX AV XXXX, OH XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX AV XXXX, OH XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a payment to my cable company called spectrum. I notice that spectrum made additional withdraw XXXX for different amounts. I called chase they said we will file a claim. The representative was not fluent in XXXX and I had concerns if she knew what she was doing .. then on the following day I notice a email from chase saying they closed my debit card and order me a new one due to fraudulent activity. I call the back the following day and file a second claim .. after one month I have called chase they give me different information like they are waiting for approval to credit u got money. And now chase send me a letter that my claim was close because I authorized all these transactions which is not true. I only authorized on transactions to pay my cable bill. All these additional withdrawals were different amounts so why I will authorize a transactions with amounts of XXXX, XXXX, XXXX I send chase a history of payments and they didnt care. I spoke to several representatives and they either dont understand XXXX they hang up on me or they say yes your claim is still under review.. please help me this is not right it was a lot of money they took from my account and chase refuses to help me or give me my money back. I dud called spectrum and on my account they do not have and of these transactions in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
I deposited a mobile check that went through XX/XX/XXXX. 2025. Chime told me to wait until XX/XX/scrub>/2025 and gave me none of the check even when XXXX came XX/XX/year>2025 the bank hoped I forgot about my hard earned money. The check was mailed from my job as a XXXX XXXX XXXX XXXX and it was a XXXX XXXX check so they had no excuse to try to steal it. They simply hoped I forgot about my money I deposited mobile check deposit and they intended to deprive me of property that was not theirs. The time stamp is proof on all the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-03 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 writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-06-03 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX BANK - XX/XX/XXXX 2025

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