vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Subject : Concern Regarding Treasury Check Hold Policy On XX/XX/year>, I deposited a United States Treasury Tax Return check in the amount of {$28000.00}. I was informed by the desk representative that, per current Chase Bank policy, all Treasury checks must now be deposited and can no longer be cashed directly at branch locations. Following this, the deposited check was placed on hold until XX/XX/year>. 

This is not the first instance I have experienced such delays. It appears that business check deposits exceeding {$20000.00} are routinely subjected to extended holds. This pattern raises concern, as it gives the impression that such holds may be implemented primarily to allow the bank additional time to collect interest on the business funds.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MO

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report 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 2025-04-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance {$510.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These Items 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had money in the City Bank the account I had for many years in 2020 I moved to XXXX  and I left In the account around {$5000.00} that time there was the covid and I did not use the account, then I went to XXXX for a years and half, when I come back I needed money so I tried to open my online account and it did not work, I called and all the operators where overseas in XXXX  there is no Citibank branch, okay they helped me to get the new online account open when I found out they where withdrawn money every month from my account the exact amount I do not remember but it started since 2020 I think, I was vey frustrated and upset, the account was fine I had the money also before I left XXXX XXXX they warranty in the bank that they money where enough and there was no fine to pay at the end of the month, so i start to complain about the money missing in the account but they did not want to help me because they said the account was dormant and they had all the right to take my money every month for two years they where withdrawn money and they refused to help me, their excuse was the account is dormant and to be helped you got to go in a branch but XXXX  has no Citibank branch, I moved from XXXX  I am in XXXX  right now, I was very upset calling every day for hours talking to different people for a month e more then they took more money they did not stop taking the money from the account I was outraged thery want help and they did not stop taking money from the account and they refused to give me the found that they stole from me because they said they had the right to take the money because was dormant, So i closed the account and they send me the money where left in the checking and the saving, but I never got the money they stole from me for two years or so, I forgot but was around {$50.00} a month I don`t remember the exact amount I know only that I was alive and the covid took dear people from me, Citibank acted like thieves and they refused to help and reserved the right to steal the money from the account pretending they had the right.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the balance of XXXX}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act FERPA protects the confidentiality of student records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
Violating a Bureau Consent Order Discover sent letter offering reimbursement for incremental interest accrued XX/XX/year> Reimbursement ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts XXXX XXXX Account information XXXX XXXX Please delete this Account Thank 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 non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts XXXX XXXX Account information XXXX XXXX Please delete this Account Thank 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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
I ordered tickets to a XXXX XXXX  which took place XX/XX/XXXX. I made the purchase on the XXXX website on XX/XX/XXXX. The purchase amount was {$380.00} and during checkout. I had the option to pay for said tickets via Cash app, so thats what I did. The payment was taken out immediately from my cash app account in the amount of {$380.00}. The following day, XX/XX/XXXX, I noticed the transaction was completed on my Cash App account. However, there was also a pending transaction from XXXX for {$380.00} on my personal bank account which is through XXXX XXXX. I spent an hour on the phone and spoke to three employees at XXXX XXXX and Cash App, each claimed they could not see the charge on my XXXX XXXX. They could only see the charge on my Cash App account, which was a legitimate charge. They assured me the charge on my XXXX XXXX  account would fall off because I only had the one charge on their end. On XX/XX/XXXX I noticed the charge to my XXXX XXXX  account also completed in the amount of {$380.00}. I have been fraudulently overcharged double ( almost {$800.00} total ) for tickets and they ( XXXX XXXX? Cash App? ) have overdrawn my personal checking account at XXXX and I can not pay my rent. I have spoke with XXXX XXXX  and Cash app. Both institutions informed it could take 30 to 45 days for an investigation to complete before I get my money back. And both institutions directed I tried going through the vendor XXXX XXXX refuses to help me at this point as they claim they only charged my account once even though I submitted documents to them showing the two different charges for the same amount on two different days from two different bank accounts. I am so upset this is theft. I have no idea how they got my XXXX information other than my XXXX XXXX  account is linked to my Cash app account so that I can deposit funds into Cash app from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-15 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: NJ

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 2025-04-15 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: NJ

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Around XX/XX/XXXX or somewhere around that time I disputed santander to remove the collections off my credit. My sister XXXX XXXX had a car loan with them. I co-signed. It was problem after problems with them while she was paying her car loan. Her car was repo and she was offered a payment amount of {$2500.00}. She paid it. Once paid is when I disputed santander on my credit. This nasty company replied back between XX/XX/year>2025 and XXXX XXXX,2025 profit loss & write off then changed it to paid profit and loss. Dropped my credit XXXX points around that time Then between XXXX XXXX, 2025 and XX/XX/scrub> 2025 they changed the comment to settled less than full balance dropped. My credit dropped again to a XXXX points today. This company is paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I got a new job and have had issues with paying the loan, the representative had told me that Id have to refinance. Mind you Ive refinanced already and theyre wanting me to restart the loan over again. Ive refinanced multiple times due to financial issues and theyve taken over XXXX  from me just from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I disputed a charge in the amount of XXXX that XXXX charged my Venmo account on XX/XX/year>. 

Please note the pick up and drop off location I ordered through XXXX app, which XXXX provided below. 



The charge XXXX charged me {$74.00}, and I paid it using my Venmo card. 

It is clear from XXXX disbursement sheet below that I was overcharged. XXXX made an unauthorized charge of XXXX, which overdrew my Venmo account by {$75.00}, and I had to transfer funds from my bank to repay Venmo. 

Im not sure whose charges XXXX added to my account, but they are not mind, as per my pick up and drop off location provided by XXXX. 

XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Now, Im asking for a credit of XXXX to be out back into my Venmo account, which is the amount of unauthorized charge XXXX charged. 

XXXX XXXX XXXX XXXX {$100.00} ). 

Im m not sure how the driver was able to charge my account because I booked and paid for the ride through the XXXX app. I never gave the driver my card. I noticed the amount the next day on my Venmo card. 

Please contact me, if you need further information. 
See disbursement from Venmo below. 

XXXX XXXX XXXX Sent from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation