vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Date : XX/XX/XXXX Subject of complaint : XXXX XXXX XXXX From : XXXX XXXX, XXXX. 
Tax ID : XXXX Contact phone : XXXX Complaint against : JP Morgan Chase ( USA ) Amount of complaint : Contract # XXXX Contract Nr. : XXXX ; Contract amount : XXXX XXXX XXXX # XXXX XXXX XXXX. : XXXX ; Contract amount : XXXX XXXX Complaint I - Background : XXXX XXXX, XXXX, the premier American media-technology corporation, a leading force for cultural and digital innovation around the world. For over 30 years our company has been leading multiple multi-billion-dollar projects for the United States Government developing e-commerce, procurement & contracting platforms ( see exhibit XXXX - the list of references ). 

Starting in XXXX, our company has expended our business model towards XXXXulture & education developing : educational, professional, cultural, media and talent management programs ( see exhibit XXXX XXXX XXXX, XXXX. presentation ) II - Current status Our company has developed a new platform for international trade called XXXX ( XXXX XXXX XXXX  ) an educational / training program ( s ) and seminars to promote worldwide. Our international partners from XXXX, XXXX, XXXX, XXXX and XXXX have expressed their interest in secondary / professional and startup education programs, as well as their readiness to try our platform XXXX. 

Based on our Intellectual Property ( IP ) consisting of a new trading platform called XXXX and business, startup and talent development programs, we have attracted and secured a {$10.00} XXXX Dollar investment and now we are in the process of bringing this investment to the United States of America. 

Our long-time partner XXXX XXXX XXXXXXXX, with whom XXXX XXXX, XXXX. has done a number of multi-million-dollar international projects in the past, has agreed to sign with us the XXXX providing financing to bring and expend American culture, commerce and technology to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other countries. Thus, it was also decided to transfer the project funds to JP Morgan Chase bank in the USA. 

To date we have already received the two transactions, the first number : XXXX for the amount XXXXXXXX XXXX  ( see page XXXX ) and the second number : XXXX for the amount XXXX XXXX  ( see page 12 ), however, these funds are being held captive by JP Morgan Chase without any official reason being provided. 

We demand JPMorgan to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I set my autopay to pay last statement balance in XXXX ( Citi agent said that the online edit was made XX/XX/XXXX ). When the autopay was processed on XX/XX/XXXX, they did not take out the last statment balance but a lesser amount and charged me interest in the amount of {$120.00}. When I called to say there was a mistake and I should not have been charged interest, the account supervisor was able waive the interest. My complaint is that I should not have had to call as the autopay option appears clear but is actually misleading on their website. A normal person would assume that last statement balance means last statement balance, not a smaller amount. What if I had not noticed? What other consumers have been unfairly charged interested when autopay did not take out the last statement balance as indicated?

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 monetary relief
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : Indigo XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXXc is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$1200.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an private loan account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-18 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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-18 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights. 
The following companies are committing IRS XXXX by filing a 1099a and not sending me a 1099c to file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-02-18 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: NY

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 since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and 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 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint regarding the unauthorized access and potential breach of my student loan information, which I believe violates consumer financial protection laws and federal privacy regulations. 

Recent reports indicate that the Department of Government Efficiency ( DOGE ), under XXXX XXXX, was granted access to the U.S. Department of Educations student loan systems. This raises serious concerns about violations of the Higher Education Act ( 20 U.S.C. 1092b ) and FERPA ( Family Educational Rights and Privacy Act, 20 U.S.C. 1232g ), which protect student loan borrowers ' personally identifiable information ( PII ). 

As a federal student loan borrower, I did not consent to my loan records being accessed by unauthorized individuals. If DOGE or any associated third parties obtained my loan balances, repayment history, servicer details, or other financial data, this would be a clear violation of my consumer rights and federal data privacy protections. 

Due to this egregious violation of my rights and privacy, I am formally notifying you that I will no longer be making payments toward this loan until this matter is fully investigated and corrective action is taken. I refuse to pay for a loan that has been compromised by unauthorized access, negligence, or potential misuse of my personal financial data. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) : Investigate whether my personal student loan data was improperly accessed by DOGE or any unauthorized party. 
Hold the Department of Education accountable for any unlawful disclosure of borrower information. 
Take appropriate action to prevent unauthorized access to student loan records in the future. 
Ensure affected borrowers are notified if their data was compromised. 
Address the legitimacy of any further collection efforts on loans that have been subject to data breaches. 
The protection of student loan borrower data is critical, and I urge the CFPB to take immediate action to safeguard our personal financial information. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and inform me of any next step

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX XXXXXXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-02-18 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: IL

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}

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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-18 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: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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