vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX : XXXX. The ATM machine is out of order ATM, TERM ID : XXXX XX/XX/XXXXXXXX XXXX XXXX to XXXXXXXX XXXX this time I. Go to your local bank The bank address is XXXX XXXX XXXX XXXX, RI XXXX > ATM TO MAKE A CASH DEPOSIT TO PAY OFF MY CREDIT CARD AND MY CAR LOAN, THE AMOUNT IS {$3000.00}, AFTER I PUT MY MONEY IN THE CARD SLOT OF THE ATM MACHINE THE ATM SYSTEM DOES NOT HAVE NORMAL CASH MY DEPOSIT AMOUNT AND WHETHER THE MONEY HAS BEEN DEPOSITED INTO MY BANK ACCOUNT ONLY SHOWS THAT THE SYSTEM IS DOWN LET ME CALL THE CHASE BANK CLAIMS DEPARTMENT That night, I got in touch with the CHASE claims department, provided my identity information and my local bank information, and promised that if I had 7 working days, my claim amount of {$3000.00} would go into my bank account, but I was not told on the phone that I needed to provide other evidence, such as bank surveillance video, such as the bank staff 's inquiry records, so XXXX was deducted from my bank account on XX/XX/year> No more opening my claim Let me look for new evidence before I can re-file my claim. 

Song : 2. I communicated with the bank staff in the hope of finding the deposit receipt of the day and the bank 's surveillance video, but the bank staff just asked me to go back and wait for their notice, and when I asked to watch the surveillance video, the reason they gave was that the manager on duty was not there that day, and they delayed the time again, and finally told us that we needed to go to the local police station to report the case and file a case, but in the end I did not see the surveillance video, and I could no longer use any evidence to get my money back Song : 3 I was very frustrated, I had believed that the bank would have handled the matter correctly in the first place, but I wasted a lot of time and energy dealing with this matter due to CHASE 's mistake, the bank and the ATM passed the buck to each other, did not give me the right communication, just kept telling me that I had not found the money I deposited, and did not provide me with my deposit slip and my deposit video of the day, which made me wonder what the bank 's motive was Song : 4I am not the only customer who has experienced this issue, as there are numerous similarcases reported online. it is unfair that customers like me, who follow the requirements in goodfaith, are penalized due to system errors. l strongly urge Chase to address this issue promptlyand ensure that the promised deposit money is credited to my account, lf this situation is not rectified, believe more customers wilt face similar frustrations in the future.

appreciate your attention to this matter and look forward to a swift resolution 5.This is the number of the police XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath  which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXXXXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX \nXXXX XXXX  Balance: $XXXX \nXXXX XXXX  Balance: $XXXX\nXXXX XXXX XXXX Balance: $XXXX \nXXXX XXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX XXXX Balance:$XXXX\nXXXX XXXX XXXX Balance: $XXXXXXXX\nXXXX XXXX  Balance: $XXXX  \nXXXX XXXX Bankruptcy XXXX Date Filed/Reported: 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Dispute Letter to Credit Bureaus ( Experian, Equifax, TransUnion ) XXXX XXXX XXXX XX/XX/XXXX To : Credit Bureaus : - Experian : XXXX XXXX XXXX, XXXX XXXX XXXX  - Equifax : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX - TransUnion : XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Demand for Immediate Deletion of Student Loans Due to Department of Education 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 XXXX XXXX to abolish the XXXXXXXX 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 Account : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$53000.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4900.00} XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX {$11000.00} XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$5400.00} 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 XXXX XXXX XXXX XXXXhere is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 

2. Material Change in XXXX XXXX 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. 

Sincerely, 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 2025-04-22 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment that is showing on my credit report that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XXXX XXXX XXXX is incorrectly reporting a late payment from XX/XX/year>2024. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment that is showing on my credit report that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. XXXX XXXX XXXX is incorrectly reporting a late payment from XX/XX/year>2024. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
XXXXI value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
Experian is reporting inaccurate information of my credit report and will not fix it after going back and forth verifying and updated the account below. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX EXPERIAN This account was charged off XX/XX/2023. Since then, the account has repeatedly been updated and charged off every month. A charged off account should not include an active payment history. Also, this was a repossession of a vehicle. and it was repossessed XX/XX/2023. I did not make a single payment after the vehicle was repossessed. So, the XXXX would be inaccurate for XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. You have failed to properly investigate AND re-investigate this account, and your neglect has violated my rights as a consumer. I'm demanding deletion of this account : XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Please remove the dispute comments with the credit reporting agencies XXXX, XXXX, and XXXX  ; and any other secondary credit reporting agencies. I am no longer disputing any information on this account at this time. I am in the process of getting a mortgage and the dispute wording on this account is preventing my loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The company is Comenity. The card website is https : //d.comenity.net/ac/breadcashback/public/home and their telephone is XXXX. 
I have a {$230.00} credit on the account from cancelling XXXX XXXX XXXX ( XXXX refunded it back to this card on XX/XX/XXXX ). I tried to use the card on XX/XX/XXXX for a XXXX XXXX purchase and after several attemps of the transaction being denied I called customer service who said the card had a fraud block due to the {$230.00} XXXX XXXX XXXX  which is completely nonsensical since it is a credit. After they 'unlocked " the card I still could not make purchases on XX/XX/XXXX and XX/XX/XXXX at various merchants. I emailed them on XX/XX/XXXX requesting the card be unlocked an an explanation of why I have a credit and they replied today saying they are conducting a 'fraud investigation ' and the card will not be usable until they are done. I've never encountered a situation like this before despite having credit cards with fraud blocks that get resolved with a simple phone call over the last XXXX. Nevertheless, I called their fraud dept just now who removed the fraud block but indicated their was another block on the card that he could not remove and I'd need to call Comenity tomorrow. It's like they put multiple barriers to a usually easy process to ensure I can not use that credit. 3 CSRs and the fraud department across 4 days and they still won't/ can not resolve the issue. 

I am attaching their email response and the XXXX XXXX showing part of the credit not including the prorated amount from the date of service cancellation. Comenity made no attempt to contact me their was an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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: CO

Complaint narrative:
this alleged debt of XXXX was previously removed credit services illegally indicated them as the original creditor. credit services is NOT the creditor and i supplied proof months ago that i had another insurance provider. these acts are illegally to ollect a debt not owed

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 2025-04-22 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: CO

Complaint narrative:
this alleged debt of XXXX was previously removed credit services illegally indicated them as the original creditor. credit services is NOT the creditor and i supplied proof months ago that i had another insurance provider. these acts are illegally to ollect a debt not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I was trying to log on to my account but was not able to and wasnt able to call the bank either due to it being a holiday/weekend. I called the number the app told me to call and they told me to go to the branch and confirm my identity. I went to the branch to confirm my identity but they stated that since its online banking they cant help so they call the same number I called and were not able to get anyone to answer so I left and the banker at the branch told me to not worry and that he would carry on with the call and that since my identity is verified that everything should be good to go I called later and after being on the phone for an hour I was told I needed to go to a branch again to confirm my identity and wouldnt tell me why this was happening they couldnt answer any of my questions and quite frankly no one seemed to know what they were doing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want all these to be removed on credit report companies Experian, XXXX XXXX, transunion

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want all these to be removed on credit report companies Experian, XXXX XXXX, transunion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following accounts that are inaccurately listed on my credit report : XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX {$230.00} Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX Closed Account Reported : XX/XX/XXXX XXXX. XXXX Account Reported : XX/XX/XXXX These accounts do not belong to me. I have submitted multiple dispute letters and received no proper verification.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), you are required to delete inaccurate or unverifiable accounts after reinvestigation. These accounts have not been verified and are still reporting.

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 2025-04-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief