vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US bank cost me my power being shut off and hundreds of dollars worth of reward points, gave me a {$75.00} statement credit and expected it would be okay. If I had any faith at all in US bank, I would close this account and collect my deposit of $ XXXX, but I know they will hold the funds for the max allotted in the cardmember agreement ( 60 days ). As theyve consistently placed two week holds ( 7 business days ) on every payment Ive made from the same checking account that pays this balance off every month. Keep in mind, there is ZERO risk to US bank if any of those payments were to bounce as theyre holding my deposit and collecting interest on my money. Essentially tying up {$10000.00} worth of my liquid cash for two weeks at a time at their sole leisure. Absolutely disgusting company. Keep in mind, this is built off of them flat out telling me I couldnt pay my power bill or cell phone bill with my credit card because their algorithm kept blocking it. US bank is flat out the worst and most predatory financial institution Ive ever encountered, and Ive worked in finance for the last 15 years. Anybody looking to do business with US bank, bring your money to another institution.

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 2025-05-17 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: SC

Complaint narrative:
Subject : Formal Complaint JPMorgan Chase Bank XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against JPMorgan Chase Bank regarding their failure to provide adequate support in resolving a billing dispute involving a XXXX XXXX airfare refund from XXXX XXXX. 

Despite my repeated attempts to resolve this matter directly with XXXX XXXX, I have been forced to seek assistance from my credit card issuer, JPMorgan Chase Bank, due to XXXX XXXX 's ongoing refusal to process the refund. 

Key Details of the Dispute : Reservation Code : XXXX ( XXXX XXXX and XXXX XXXX XXXX XXXX ) Refund Amount : XXXX XXXX of the total airfare Identification Documents Submitted to XXXX XXXX : XX/XX/XXXX and XX/XX/year>, as requested by XXXX XXXX for processing the XXXX XXXX refund XXXX XXXX XXXX Attempts : Multiple, including phone calls, emails on XX/XX/XXXX and XX/XX/year>, and an in-person visit to the Copa center at the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Despite providing Chase with XXXX documentation, I have received no meaningful assistance from their dispute resolution team. Instead, I have been subjected to dismissive and unhelpful responses. 

Additionally, it appears that JPMorgan Chase Bank has offshored a significant portion of its customer service to representatives primarily based in XXXX. 

The individuals I have spoken with in the disputes department often lack sufficient proficiency in XXXX, making it even more challenging to resolve this matter effectively. 

Most recently, on Friday, XX/XX/year>, I spoke to a woman who sounded like she was whispering and appeared to have extreme difficulty communicating in XXXX, further complicating the resolution of this dispute. 

Concerns : Inadequate customer support from Chase 's dispute resolution team Failure to provide meaningful assistance for consumer financial rights and protections Lack of transparency in the dispute process Financial harm Language and communication barriers with offshore customer service representatives I am seeking the CFPB 's assistance in ensuring that JPMorgan Chase Bank appropriately assists their customers in cases of billing disputes and provides the necessary support to resolve this matter promptly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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 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 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
THIS IS THE 2ND ACCOUNT THAT YOU ARE REPORTING ON SEPARATE PAGES WITH NO EXPLANATION AS TO WHY. THE LENDER DID NOT DO THIS AND THEY CONFIRMED IT. 

MY CREDIT MONITORING SERVICE REFUSED TO INVESTIGATE IT UNLESS I SPENT {$100.00} TO ORDER ALL 3 REPORTS. I REFUSED SO THEY REFUSED TO INVESTIGATE IT.

I'M COMING TO YOU BECAUSE THIS COULD BE YOUR ERROR. NO ONE ELSE IS TAKING RESPONSIBILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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 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 XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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 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 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} ( Original Creditor : ) XXXX * * * * Balance : {$1300.00} XXXXXXXX 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 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On or around XX/XX/year>, I discovered a collection account reported under the name " Credit Collection Servic '' for an alleged debt of {$210.00} from XXXX XXXXXXXX XXXX. I have never had an account or policy with this company, and I did not authorize this account in any way. 

This account is the result of identity theft. I have filed a supplemental police report with the XXXX Police Department to document this fraudulent activity. I have never received any billing or communication from this company prior to this credit report entry. 

I am requesting that this account be deleted from my credit file in accordance with FCRA 605B, which requires blocking of information resulting from identity theft once proper documentation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/25 Subject : Update My Personal Information Dear XXXX  or whom it may concern, I have been asking and requesting that I need to update my personal information in your record as it is wrong across the board. I want to ensure my credit report has the correct details and it is XXXX XXXX accurate. Here are my personal details. I only have XXXX name and XXXX address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ca XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX XXXX XXXX XXXX XXXX, Ca XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX. My ONLY name is XXXX XXXX and my ONLY address is XXXX XXXX XXXX XXXX XXXX, Ca XXXX. My ONLY EMPLOYMENT is XXXX XXXX XXXX .Please update this information in your system and make sure it's correct in all future credit reports. It's really important to have accurate personal information for my financial profile. Please process this update as soon as possible and send me written confirmation once it's done. I hope we can resolve this quickly. Thank you, 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was ordered to vacate my apartment at XXXX XXXX XXXX due to a XXXX XXXX XXXXXXXX violation. Despite no longer residing at the property, I was wrongfully charged rent for several months after my departure. The property management company or its representatives sent the alleged debt to a debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On or around XX/XX/XXXXXXXX XXXX I received a collection notice stating that I owed {$13000.00}. This amount allegedly accrued as of XX/XX/XXXXXXXX even though I was not living at the residence. I never received any verification of this debt, nor did I sign any agreement for the charges claimed during that period. 

I disputed this tradeline with all three major credit reporting agencies XXXX XXXX XXXX XXXX explaining that I did not owe the debt. However, the account was not removed and continues to appear on my credit reports. No documents were provided to validate the debt, as required by 15 U.S.C. 1692g. 

The debt collector is still attempting to collect and has furnished the debt to credit bureaus without validating its legitimacy. This has harmed my credit and violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I am filing this complaint because Prosper Marketplace has refused to meaningfully review or respond to my request for a goodwill adjustment regarding a late payment they reported to the credit bureaus. While I acknowledge the late payment was due to an oversight on my part, I have had a consistent and responsible payment history otherwise. 

I submitted a goodwill adjustment request, explaining that I am currently preparing to purchase a home, and this single late mark has significantly impacted my credit score. Despite this, Prosper responded only with impersonal, generic messages that appear automated or AI-generated. I followed up multiple times, specifically requesting an escalation to a supervisor or someone with discretion to review my case, but I received no further response.

Their refusal to even consider my situation feels like bad faith, especially given that goodwill adjustments are a common and discretionary practice in the lending industry. I believe Prospers handling of this matterignoring repeated good-faith attempts to resolve the issue and failing to engage with me as a customeris not only a poor practice but potentially predatory in nature, particularly for borrowers like myself who are making critical financial decisions such as homeownership.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I was sent a letter in XXXX stating thank you for financing your vehicle with us. Then my Experian credit report showed SETOYOTA FIN DBA OF WO has reported Positive Activity : Loan Paid. Up until XXXX when I got an email statement saying I had to pay over {$8000.00} in full ; I had no idea there was an issue. I requested online support for some documentation or to be put on a monthly payment plan to show good faith if I do owe that much. I was sent paperwork for a title correction but the state listed wasnt to original state of my contract. I am not going to sign and get documentation notarized if its not legitimate to me. XXXX fraud. Then in XXXX I get sent back into a cycle of XXXX : {$8000.00} to be paid in full. I ask online support again. I get sent paperwork with the right state but a different finance company for these papers to be sent to. Now at that time I am feeling anxiety and I rightly had to as I had the paperwork in my passenger seat for me to go to XXXX after work that day and see if they could clarify anything as XXXX XXXX XXXX XXXX helping. My car gets towed that day. They said it went up to {$9000.00}. XXXX I spoke to at XXXX that day, was awful and I just wanted the information to get my personal belongings such as medications, especially for panic attacks which they sent me in a tizzy since that day. I never thought my car was going to get repossessed. After repossession they said it went up to {$13000.00} ; but only {$250.00} for late fee and {$880.00} for repossession fee. Those XXXX fees plus the other {$9000.00} they were asking for on repossession day doesnt make sense. None of this has made sense. 

Let alone get taken advantage of, over and over again. They reported a paid loan but repossession happens without clear documentation for the consumer? I still have so many questions about this and XXXX currently out of a car, my credit has been severely damaged by this company, again after reporting that the loan was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NC

Complaint narrative:
Upgrade financial failed to notify me about a missed payment they never called sent me a email or anything and per the rep i spoke to he said they didnt have to. Which is incorrect : Proper notification was not given : Failing to notify the debtor before reporting the debt can be a violation of federal regulations.

Company response to consumer: Closed with explanation