vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I requested Chase bank to transfer a credit balance refund I had received from a music festival that was canceled. I asked if I could transfer the refund into my personal checking account because the money was also somebody elses, since I had purchased more than one ticket. Weeks passed and the credit balance was taken from my credit card account, however the funds did not show up on my account. I contacted customer service two times in XXXX and they said they would fix it, but I never received an email or a check in the mail. I called again in XXXX, and they let me know the funds were transferred to an account with a different account number than my own. I also was told they would resolve it and send a check to me for my credit refund, however I received a letter stating the account number in which the credit refund was transferred to, and this was a totally completely different number. So far I was told two different account numbers this credit balance refund was sent to, and non are my own account number. I waited from XXXX, until XXXX, and I contacted the bank again. They said the refund was published into my credit card account and I stated I never received the credit balance refund. The customer service representative stated they would send the check to my address. Instead, I received the same letter I received in XXXX, but this time it stated the credit balance was refunded on XX/XX/XXXX, and not the XXXX. However, the same account number is shown in which the funds were sent to. I have called many times trying to locate these funds and no one is helping me. All they say is the funds were sent. Once I explain my situtation all they can tell me is they will send me an email or the check through the mail and to wait. However, I have been very patient and waiting since XXXX and this issue has not been resolved. No one can tell me where my credit balance refund is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
im filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate without providing me any evidence of a thorough investigation. This practice violates the Fair credit reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may contravene the consumer financial protection act ( cfpa ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as high igh ted in cfpbs rescent administrative proceedings ( File No. 2025-Cfpb taking action to ensure Eqaifax complies with federal law and provides consumers with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hired a vendor to apply an epoxy coating to my garage floor. We agreed on a scheduled service date, and I paid a {$1200.00} deposit upfront via XXXX XXXX to secure the booking and cover materials.

This agreement, including the deposit amount and service date, was documented in an invoice/contract.

On the scheduled date, the contractor failed to show up and did not communicate any delay. I reached out but received no response until the following day, when he claimed he was in a car accident. Due to the missed deadline and the necessary drying time for the epoxy, the job could no longer be completed before my movers arrived. I requested a refund, but the contractor refused, claiming the deposit was non-refundable and that he had already purchased materials. However, the failure to complete the job as agreed constitutes a breach of contract. 

Since the deposit was made using my Capital One XXXX debit card I submitted a charge back with CapitalOne.

Capital One said they investigated my claim and that I had authorized the payment.

I called CapitalOne and requested documents they used to make their decision. They stated the only thing they could do is resubmit my claim. They did not ask and have never looked at any of the supporting documentation. 

They have since denied the resubmission without asking or viewing any of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Marlette Funding, LLC
State: TX

Complaint narrative:
Ive had this credit card for years and recently paid it off. I locked the card months ago, and it has remained locked since. However, out of nowhere, an unauthorized charge appeared on the account of {$440.00} Despite disputing the charge, Im still being held responsible for it, even though the card was locked at the time. Now, Im receiving late payment notices and being threatened with account closure.

Under the Fair Credit Billing Act ( FCBA ), I should not be responsible for unauthorized charges. Additionally, since my card was locked, this charge should never have gone through in the first place. I need this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly told TransUnion, XXXX, and Experian that there were fraudulent accounts on my credit report they have failed to remove, TransUnion will not remove the more than 100 inquiries off my report and I have repeatedly told XXXX  that they have the wrong birthday on my report which makes it hard for me to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly told TransUnion, XXXX, and Experian that there were fraudulent accounts on my credit report they have failed to remove, TransUnion will not remove the more than 100 inquiries off my report and I have repeatedly told XXXX  that they have the wrong birthday on my report which makes it hard for me to dispute.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately. 
XXXX : The account was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 
XXXX XXXXXXXX : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. 
XXXX XXXX  XXXX. : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters. 
XXXX  : I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
XXXX : The account mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately.

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 2025-03-23 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: NY

Complaint narrative:
I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately. 
XXXX : The account was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 
XXXX XXXXXXXX : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. 
XXXX XXXX  XXXX. : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters. 
XXXX  : I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
XXXX : The account mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is my 3rd complaint related to the same issue.

My 2nd complaint was that Synchrony all of a sudden was seeking $ XXXX in interest after reversing fraudulent charges. Synchrony 's response was that the interest sought was appropriate because it was deferred interest from a {$2700.00} charge on XX/XX/XXXX. The same charge they are referring to was determined to be fraudulent as reflected/reversed in their own response dated XX/XX/XXXX. The charge itself is fraudulent, how can I be accountable for the interest accrual? I'm trying to state this as simply as possible, but my patience is worn very thin. I did not charge/authorize anything in XX/XX/XXXX. As I stated in my feedback below, now there's another fraudulent charge of {$1800.00} on XX/XX/XXXX. How do they keep letting this happen!?! I want Synchrony to reverse all charges/fees/interest, cease collections, close the account, and delete the credit reporting tradelines. If I have to continue to deal with this, I'm handing it over to a Consumer Rights attorney who can file an FDCPA claim. I am not a litigious person which is why I have attempted to resolve this repeatedly but enough is enough. 

My feedback to Synchrony 's response to my 2nd complaint : Synchrony is seeking to collect deferred interest on a fraudulent amount ( {$2700.00} on XX/XX/XXXX ) which they already reversed and is reflected in their 1st response letter dated XX/XX/XXXX. So, somehow I'm responsible for the interest from a fraudulent charge? They can't even understand their own records. And now, I have more mail from Synchrony asking about another fraudulent charge ( {$1800.00} on XX/XX/XXXX ). I did not use/charge the account for either amounts and I am incredibly frustrated that this organization has access to my financial information and continues to fail in safeguarding the account. I demand they reverse these charges and any interest/fees, credit reporting associated . Synchrony 's continued practices has damaged my credit and caused me great aggravation in having to repeatedly deal with Synchrony. I want it to end.

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 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I filed a dispute on my account for fraudulent activity on my debit card. Some of the transactions they removed from my account but then re-added them when they remove them they stopped. The payment did not issue a provisional credit. I provided information and documentation from the merchant proving I did not make the transaction, chime did not reach out to me only denied my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a letter to Experian to dispute several accounts that I did not recognize on my Experian Consumer Credit Report. On XX/XX/year>, Experian sent me an e-mail stating that they failed to act on my credit dispute because [ it ] does not appear to have been sent directly by you or to be authorized by you. I sent a response letter on the same day to affirm that I did, in fact, submit this dispute. On XX/XX/year>, Experian once again sent me an e-mail stating that they refused to process my dispute because [ it ] does not appear to have been sent directly by you or to be authorized by you. At this juncture, I have provided my ID and recent utility bill, as well as a police report. That should substantiate that I sent the dispute, and Experian is purposefully stalling and refusing to process a legitimate dispute. At this time, I ask that they proceed with my dispute and not to reject any more of my disputes with unsubstantiated claims of " it was not sent by you ''.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
2024 my personal information experienced a data breach from XXXX XXXX. This has compromised my personal information resulting in negative marks on my credit report. I want all three bureaus to verify accounts, and they can not I want negative marks deleted. This account does not belong to me and may have resulted from identity theft due to the 2024 data breach. Credit bureaus must investigate and remove unverified

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to XXXX XXXX XXXX Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the XXXX XXXX XXXX XXXX, thereby creating a material legal void concerning all student loan obligations previously managed under its authority.

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-XXXX  XXXX XXXXXXXX abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive been getting charges that is unknown to me and very often. Thats why I keep my card locked because many times the charges takes my last moneys or just takes money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to XXXX XXXX XXXX  Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the XXXX XXXX XXXX XXXX This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the XXXX XXXX XXXX 

Accounts in Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

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