vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I submitted a settlement proposal to American Express on XX/XX/year>, for accounts ending XXXX and XXXX. American Express has not responded. Since that date, they have continued to add interest, late fees, and penalties to my accounts while ignoring my settlement request. 

On XX/XX/year>, I received XXXX XXXX XXXX notices threatening account cancellation and negative credit reporting, but with no acknowledgment of my prior proposal. 

I have acted in good faith to resolve this matter, yet American Express has refused to engage. Continuing to add charges and threaten negative reporting while ignoring settlement outreach may constitute unfair or abusive practices.

Requested Resolution : Suspend all interest, late fees, and penalties retroactive to XX/XX/year>. 

Provide a written acknowledgment of my settlement proposal with either acceptance or a counteroffer.

Prevent negative credit bureau reporting while I am actively attempting to negotiate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NY

Complaint narrative:
Formal Complaint is against CAsh App. 

I have been having direct deposit starting XX/XX/year> reoccurring every 2 weeks with the same employer. 

XXXX XXXX Cash App deactivated my Overdraft Feature options which is fine whatever, you can keep it. 

But On XX/XX/year> I noticed I had 5 ATM FEES ( {$2.00} each ) I reached out to Cash App for my money back and no seems to have a clue on what I'm talking about even when photos have been presented and they also have a backlog history. 

This is very time consuming, stressful etc dealing with a company who's not listening and not taking accountability for their actions and mistakes........ 

Now I want my ATM FEES back, Fees for Overdraft I could of been using, wasting time, emotional distress, deformation of character......... etc....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To Whom It May Concern, I am filing a complaint against JPMorgan Chase Bank for what I believe is unfair and bad faith conduct in relation to a debt settlement negotiation.

I had been in communication with JPMorgan Chase regarding a potential settlement agreement on my account. During this period, I was actively engaged in good-faith efforts to resolve the matter, even told them I have the money for them right here and I am just waiting on their finalzed paperwork. However, JPMorgan Chase delayed the negotiation process by not responding to my inquries, then saying I gave them a " range '' of expenses on the settlement form and it needed to be accurate numbers. This is quite irrelevant for the settlement as my personal income as the account holder is XXXX. I then couldn't send it back through their secure mesaaging because the system blocked their own form due to : special characters ''. I then proceeded to send all the information unformatted. Despite my efforts, JPmorgan proceeded to report my account as delinquent to the credit bureaus. 

I believe this action was disengenious and taken in bad faith because : JPMorgan Chase was aware that I was engaged in settlement negotiations and they delayed the process of responding to me, even to let me know there was an " issue ''. They also kept calling me when I very clearly stated that I will only communicate in writing about this and Ignored my cease and desist. 

By reporting the delinquency during active negotiations, the bank unfairly damaged my credit standing. 

Their conduct appears intended to pressure me into accepting terms under duress rather than negotiating fairly ( I allege they are trying to raise the balance to gain a higher settlement amount ). 

This reporting has negatively impacted my credit profile and financial stability. I request that the CFPB review this matter and require JPMorgan Chase to : Remove or correct the negative reporting to the credit bureaus during settlement negotiations. 

Ensure fair and transparent settlement negotiation practices. 

Provide accountability for the delay and harm caused by this conduct. 

I believe consumers should not be penalized with damaging credit reports while financial institutions stall settlement discussions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a paying customer of Equifax credit monitoring services. For more than three weeks, I have not been able to access my credit score through Equifaxs platform, even though I am being charged for the service.

This is unacceptable because I rely on my credit score to make important financial decisions, such as applying for loans and managing my credit profile. Despite multiple attempts and contacting customer service, the issue has not been resolved.

By continuing to charge me while den
ying access to the promised service, Equifax is failing to deliver what I paid for and may be in violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I sent dispute letters to all 3 bureas via usps certified mail and it was received on XX/XX/XXXX. 
I gave it 15 days then called to ask if the letters was processed.

they told me that the didn't accept 3rd party letters. I told them that I was the person that sent it and they said they would do an investigation but every time I check on the status they give me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TN

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am writing to formally file a complaint against Freedom Mortgage regarding their refusal to release the remaining balance of my insurance claim payment following damage caused by XXXX XXXX XXXX on XX/XX/year>2024. 

Background : Following the storm, my insurance provider, XXXX XXXX XXXX processed my claim and issued payment in the amount of {$24000.00} based on the proof of loss and documented damage to my property. I was advised to endorse the check and forward it to Freedom Mortgage, my mortgage servicer, for processing, which I promptly did. 
After more than a month, I received only {$7000.00} from Freedom Mortgage. This partial disbursement was used for : Tree debris removal from the property Replacement of several personal items damaged in the storm Replacement of an outside storage shed The remaining balance, which is critical for repairing my damaged roof and fence, has not been released.

Current Issue : I have had three separate roofing estimates ranging from {$12000.00} to {$18000.00} for full roof replacement. All roofing companies require a deposit before a contract can be signed. Freedom Mortgage has repeatedly stated that they will not release any further funds until I provide : 1. A signed and accepted contractor proposal 2. An inspection 3. A Waiver of Lien I have explained to Freedom Mortgage on multiple occasions that I can not obtain these items without the initial funds needed for the deposit, as required by the roofing companies. I do not have the financial capacity, credit score, or a co-signer to cover the deposit out of pocket. I have offered an alternative solution : for Freedom Mortgage to pay the roofing company directly. 

Impact : Without access to the remaining claim funds, I am unable to repair my roof, leaving my property at continued risk of further damage. The delay and withholding of these funds are directly preventing necessary and urgent repairs that were approved by my insurance provider and are fully covered by my policy. 

Request for Assistance : I respectfully request that your office intervene in this matter to prevent further hardship and ensure that my property can be restored to its pre-loss condition. 

Thank you for your time and attention to 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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-08-16 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 XXXX 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 2025-08-16 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: EQUIFAX, INC.
State: IL

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I told them this was because I had identity theft and I'm not sure who it was but it could have been my brother because when I pulled my report his social security number was on there. I don't know for sure who did it. It's a petty theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In my previous issues still didn't be resolved Everytime using my card or digital wallet isn't working I need to call welsfargo every single transaction to approve it wherever iam. This didn't respect iam XXXX  years customer with them, they caused me alot of finicial issues because of that really, customer service never resolved issues they just call me and nothing is happening, please XXXX don't close this until being resolved

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I received a collection letter from Second Round Limited Partnership ( XXXX  ) regarding an account they claim to be collecting on behalf of XXXX XXXX XXXX, XXXX ( XXXX  ). This account was originally originated by XXXX XXXX XXXX  and serviced by XXXX XXXX XXXX XXXX. 

The XX/XX/XXXX letter from XXXX misrepresents the balance by labeling the entire amount of {$32000.00} as principal balance. In reality, the creditors own charge-off ledger reflects a breakdown of {$27000.00} principal, {$4700.00} interest, and {$220.00} fees. By falsely characterizing the debt as entirely principal, XXXX  misstated the character and legal status of the debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ). 

This letter also came after I disputed the debt in writing with XXXX on XX/XX/year>2025. Under FDCPA 809 ( b ), a debt collector must cease collection until validation is mailed. Instead of mailing proper validation, XXXX continued collection activity, demanded payment, and attempted to shift the burden onto me by asking that I supply documents to prove my own claim. 

When I requested validation, XXXX mailed me a package of documents purporting to establish XXXX  ownership. Those documents are incomplete and contradictory : The Bill of Sale, dated XX/XX/scrub> 2025 ( effective XX/XX/year>2025 ), is signed by XXXX  XXXX  as Servicer, but does not include Schedule I ( the loan schedule that would identify my account ). No trustee authorization was attached. 
The Exhibit K certification from XXXX XXXX XXXX  is dated XX/XX/year>2025 nearly XXXX weeks after the Bill of Sale and references a missing Exhibit A. This creates a gap in the chain of title. 
Together, these documents do not prove that XXXX lawfully owns the account, and therefore XXXX, acting as XXXX  agent, has not validated the debt. 

By misrepresenting the balance, continuing collection without proper validation, and relying on defective ownership documents, XXXX  has engaged in : False and misleading representation of the debts character ( FDCPA 807 ( 2 ) ( A ) ) ; Continued collection activity without validation ( FDCPA 809 ( b ) ) ; Unfair collection practices under Florida FCCPA 559.72 ( 9 ) by attempting to collect amounts not permitted by law. 

XXXX  actions have caused confusion, XXXX, and the risk of inaccurate credit reporting. I request that the CFPB investigate XXXX  conduct, require them to cease collection until proper validation is provided, and ensure that misrepresentation of balance and unlawful collection practices do not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are unauthorized credit inquiries on my credit file that I did not authorize. 

Specifically : XXXX XXXX XXXX XXXX XX/XX/year>2025 ( Experian ) & XX/XX/year> ( Equifax ) XXXX XXXX XX/XX/year>2025 ( Experian ) Under FCRA 604 ( a ), a consumer report may only be accessed with my written authorization and for a permissible purpose. I have never given consent for these inquiries, and both Experian and Equifax have failed to provide any signed documentation proving authorization.

Reporting inquiries without proof of permissible purpose is a violation of the FCRA and non-compliant with XXXX XXXX reporting standards. 

I am requesting the immediate deletion of these inquiries from my file for failure to verify authorization and failure to comply with federal law.

Company response to consumer: Closed with explanation