vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am filing this complaint against Chase Bank for failing to conduct a proper investigation & violating my rights under the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) & Regulation Z ( 12 C.F.R. 226.12 ( b ) ).

Ive disputed multiple unauthorized transactions on my Chase Business Credit Card ( Ending in XXXX ) due to fraudulent use resulting from a stolen or duplicated card. On XX/XX/year> I formally notified Chase Bank of these unauthorized charges and provided all necessary supporting documents, including a detailed dispute letter, account statement highlighting fraudulent transactions, and a request for immediate reversal of charges. 

Despite my clear dispute and legal protections, Chase : Failed to conduct a thorough investigation into the fraudulent transactions. 
Refused to issue a chargeback or provisional credit within the legally required timeframe. 
Did not restore my full credit limit, which is negatively impacting my business operations. 
Allowed fraudulent transactions to remain on my account, causing financial harm. 
Details of the Unauthorized Transactions Air Conditioning XXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXL {$2500.00} XXXX XXXX XXXX {$3100.00} XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$5000.00} Other Unauthorized Charges Include : XXXX & XXXX Expenses ( Airlines, Parking, Travel Insurance ) Dining & Entertainment ( Restaurants, Ticket Purchases ) Retail & Shopping ( Department Stores , Online Shopping ) Gas & Utilities ( Fuel Charges, Phone Bill Payments ) The full list of disputed transactions is attached for review. 

Legal Basis for My Complaint : Violation of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) Under FCBA, credit card issuers must investigate billing disputes within 30 days and resolve them within two billing cycles ( but no more than 90 days ). Chase failed to properly investigate or issue chargebacks, violating these protections.

Violation of Regulation Z ( 12 C.F.R. 226.12 ( b ) ) Chase is required to provide a provisional credit if the investigation exceeds 10 business days. They failed to do so. 
Breach of Consumer Rights Under XXXX Chargeback Code 10.4 Chase ignored my rights under XXXX Chargeback Code 10.4, which protects consumers from fraudulent transactions due to lost, stolen, or duplicated cards. 
Negligence in XXXX XXXX XXXX Account XXXX Chase failed to detect high-risk transactions and allowed unauthorized purchases to be processed, despite clear indications of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TN

Complaint narrative:
UNAUTHORIZE ACCESS TO STUDENT LOAN INFO BY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX U.S. Department of Education Federal Student Aid Ombudsman Group XXXX XXXX XXXX XXXX, KY XXXX Subject : Request for Student Loan Discharge Due to Unauthorized Access and Privacy Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to an unauthorized and unlawful review of my loan records by XXXXXXXX XXXX XXXX This action constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. 

Nature of the Violation It has come to my attention that XXXX XXXX accessed my student loan records without my explicit consent or legal authorization. This action has caused undue distress and potential misuse of my personal financial information. Under FE

RPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), my education records, including financial aid and loan details, are protected from unauthorized access by third parties.

Legal Grounds for Loan Discharge Given this violation, I formally request that my student loans be fully discharged under federal statutes protecting borrowers from unauthorized data breaches and privacy violations. I also urge the Department of Education to investigate this matter thoroughly and take appropriate legal action to ensure compliance with FERPA and other federal privacy laws.

Requested Actions Immediate discharge of my student loans due to unauthorized access and privacy breach. 
A formal investigation into how and why my records were accessed. 
Confirmation that my personal data is secure and has not been further compromised. 
Notification of any corrective actions taken against the responsible party. 
I expect a written response within 30 days outlining the steps the Department of Education will take to address this matter. If no resolution is provided, I will escalate this complaint to higher legal authorities and seek legal recourse for the violation of my rights. 

I appreciate your prompt attention to this serious issue and look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I recently viewed a copy of my report and noticed fraudulent activity on my account can you remove this from my report its 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Experian, XXXX XXXX, and Equifax on many occasion regarding repeat inaccurate information appearing on my credit report. I have also explained no knowledge of such accounts, they remove them then they appear again. Now they are reporting information that does not belong to me and appears to be of a medical nature from some sort of laboratory. This is blatant exaple of their continued disregard for the law. I am seeking full investigation and possible legal representation into this illegal action. I have contacted all three credit bureaus and all three continue to report this false information. I am at my wits end, please help!

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is not 5 years later and still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-25 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2024 I sent BoA letter stating fraudulent activities on their part. I demanded answers as to why they are loaning my assets. Note : I sent an affidavit. I gave them 30 days to respond. On XX/XX/2024, I wrote another note that is attached to this claim.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. The errors on my credit report have been negatively affecting me, making it impossible to achieve financial stability. I can no longer ignore the impact this is having on my life. Both XXXX and XXXX have already removed this inaccurate information, yet it remains on my TransUnion report. This is a blatant violation and insult of my rights as a consumer, to have my requests and disputes to be repeatedly ignored.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I sent 2 wire transfers to XXXX for the amount of {$4000.00} each totaling {$8000.00} on XX/XX/year>. I then bought {$8000.00} in bitcoin. When I went to send the bitcoin to the external wallet address that I had previously used to send {$500.00} it received a message stating that there was a security hold placed on the account and that I needed to contact XXXX support. I contacted them immediately and was a ticket number ID XXXX. After providing them with my identification they sent me a group of questions for me to answer. I answered the questions and sent them back numerous times on their security box. I waited for a reply and sent numerous follow up emails but have yet to this day XX/XX/year> received a reply or a remedy to this situation. I also opened up another ticket ID XXXX for the same reason and have not received any reply. I am adding copies of the emails as well as other pertinent information. This situation has me very stressed. I would not do business XXXX ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX  and the credit bureaus TransUnion for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : XXXX XXXX XXXX report the account opened on XX/XX/XXXX, but TransUnion reports XX/XX/XXXX ( discrepancy ). 
XXXX reports " 0 months '' as the loan term, while XXXX XXXX TransUnion report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession : XXXX XXXX  repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : XXXX marks the account as disputed, but XXXX XXXX TransUnion fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : XXXX reports " Voluntary Repossession, '' while XXXX lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting. 
Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), which they failed to do. 
I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.

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 2025-02-25 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: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: OH

Complaint narrative:
I have tried to reach out to transunion multiple times over 7 years have sent multiple copy 's of all information asked for each time yet still there is a suppression on my credit and can't use it for anything

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