vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This particular Bank continues to be vindictive against me by now allowing me access to my accounts on their voice banking system. And then they has 3rd party individuals working as customer service representatives to whom doesnt know of what theyre doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Against American Express Unjustified Credit Line Reduction To Whom It May Concern, I am writing to formally file a complaint against American Express for what I believe to be an unwarranted and detrimental reduction of my credit limit, which occurred without clear justification and has had a significant impact on my financial profile. 

On XX/XX/year>, I received a notice from American Express stating that the credit limit on my XXXX XXXX XXXX  ending in XXXX was reduced to {$1000.00}, with a cash advance limit of {$200.00}. This change was made without prior warning or detailed explanation, and despite a consistent payment history and responsible credit usage on my part. 

This sudden reduction is deeply concerning for the following reasons : XXXX. No Notice or Specific Reason Provided The only communication I received was a general message directing me to log into the Message Center to learn more. No clear justification was offered in the notice itself, nor have I received follow-up clarification from American Express XXXX 
2. Harm to Credit Score A lower credit limit directly increases my credit utilization ratio, which in turn negatively impacts my credit score. This action took place without cause or context, damaging my credit profile despite no delinquent activity. 
XXXX. Pattern of Discriminatory or Retaliatory Reductions This action follows a trend I have experienced and observed with other institutions ( including XXXX  XXXX ), where requests for clarification or assistance are followed by further punitive actions such as credit limit reductions. It raises serious concerns about transparency and consumer protection. 
XXXX. Economic Context Ignored In the midst of an economically challenging environment, such actions reflect a lack of empathy and fairness. Rather than supporting responsible consumers, American Express appears to be penalizing them without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally filling a complaint regarding CashApp unjustified holding of my funds for over 15 days I submitted all of this evidence to CashApp However my money is still being held with no clear explanation or solucion. These fund are part of my biweekly paycheck and this delay is seriously affecting my finance. I am requesting the immediate release of my funds and written explanation from your team .I also request that this case be escalated to a supervisor or dispute department. I am simply asking for access to my own money which have proven is no longer held by the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Objection to Unauthorized Internal Transfer of Funds to Fraudulent Account To Whom It May Concern, I am writing to formally object to a recent unauthorized internal transfer made from my [ Student/Personal ] Checking account at Navy Federal Credit Union XXXX On or around XX/XX/XXXX, I discovered that {$10.00} was internally transferred by NFCU to make a payment toward a credit card account that I previously flagged as fraudulent. 

This credit card account was opened in my name without my knowledge or consent, using my personal information. I have already submitted a signed forgery affidavit, an FTC Identity Theft Report, and a police report supporting my claim that I was a victim of identity theft. Despite this, the account has not been blocked, and now an internal transfer of funds has been conducted without my authorization. 

For the record : I did not authorize this payment in any form. 
I did not give NFCU permission to transfer funds from my checking account to this credit card account. 
This action should not be construed as an acknowledgment of the debt or consent to its existence. 

This transfer was made without notification, consent, or transparency, and further reflects a troubling mishandling of my fraud claim. I respectfully demand that this payment be reversed and that my checking account be protected from any further unauthorized transfers. I also request written confirmation that this objection has been recorded in my fraud file and that no future payments will be drawn from my funds toward the disputed account. 

Please consider this a formal update to my ongoing fraud case and part of my continuing dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XX/XX/2025 I completed a application for an extension of credit Exeter financial approval was made but terms of approval was conditioned with a down payment which by way of 15 USC 1605 determination of finance charge is a violation because no comparable cash transaction is necessary when finance charge is present. The finance charge is the sum of all charges and according to equal credit opportunity act no creditor can discriminate against a consumer for any aspect of a consumer credit transaction also full disclosure shall be met after all both parties to the agreement shall give consideration which in banking finance terms means value if Exeter is willing to prove they'll be putting up the money for this purchase money loan and my promise to pay isn't an instrument that's negotiable and has value I'm willing to go to arbitration over this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$100.00} Vanilla Visa card in XXXX of 2024 for personal use and pleasure. I paid cash for it from XXXX in XXXX, CA. It was a nightmare from the 1st moment I tried to use the card. It declined-and would not authorize any transactions from the gate. I called their customer service # and was not impressed with their lack of credible reasons for the declines, nor was I happy with their lack of any sort of customer service, or in quelling my frustration at ( dis ) ease of use. They wanted to replace the card with a functioning one, ( ha ), but disenchanted, I opted for a check refund, and was told 6-8 weeks would come and go before I received the money. Somehow, this Check was was opened by my Aunt, and was never given to me, and now, over 1 year later, I found the check and called them ( again ) to ask for a simple check reissue. They have refused to honor this check written for me, because I do not have the gift card # anymore, although there is a reference #, and a check #, they say they can not refund my wasted money, and I believe this is untrue, and I want them to please resend the check and then I will promptly never do business with this company again. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
HYUNDAI CAPITAL AMERICA has not been reporting accurate information on my credit report. I paid the full due amount on loan in XX/XX/year>, its been more than 3 months that the lender has not updated records on my credit.

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 2025-05-10 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 US DEPARTMENT OF EDU XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint against Bank of America, specifically regarding an incident involving counterfeit currency dispensed by their branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Branch ID : XXXX ) on XX/XX/year>. 
My husband, XXXX XXXX ( formerly known as XXXX XXXX XXXX ), withdrew {$4000.00} in cash from our joint account at this location. He proceeded directly to a nearby U.S. Bank branch to deposit the money. During that deposit, the teller identified {$800.00} in counterfeit {$100.00} bills and immediately confiscated them. U.S. Bank filed a report with the U.S. Secret Service, and we received a copy confirming the bills were counterfeit. 
Key Facts and Concerns : 1. Counting Machine Malfunction : My husband clearly remembers that the cash-counting machine at the Bank of America branch generated multiple errors while the teller was preparing the withdrawal. Despite these errors, the teller completed the transaction and handed over the funds, which included the counterfeit bills. 
2. Bank of America 's Response : We have repeatedly requested that Bank of America : o Review the security footage of the transaction.

o Provide error logs or maintenance records for the cash-counting machine used.

o Share any outcomes of internal or external ( XXXX XXXX ) investigations. 
Bank of America has refused to provide any documentation or further assistance. The branch manager who initially engaged with us, XXXX XXXX, is no longer at the location, and all follow-up inquiries have gone unanswered. 
XXXX. Lack of Transparency and Accountability : Bank of America has denied responsibility, stating only that the money passed through their counting machine. However, the same machine showed errors, and their refusal to investigate or share any information is deeply troubling. 
What We Are Requesting : We respectfully ask that the Consumer Financial Protection Bureau XXXX Bank XXXX XXXX handling of this incident and request that the bank : Fully review and disclose findings from the XX/XX/XXXX transaction. 
Provide a formal explanation of how counterfeit bills were dispensed by their equipment. 
Reimburse the {$800.00} loss caused by their failure in quality control. 
Ensure appropriate process improvements to avoid similar incidents in the future. 
We are attaching : The XXXX XXXX XXXX counterfeit report Copies of our communication with Bank of America representatives This incident has caused us financial harm and emotional stress, and Bank of Americas lack of transparency and responsibility is unacceptable. We trust the CFPB to help ensure accountability and consumer protection in this matter. 
Sincerely, 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 2025-05-10 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: NY

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 2025-05-10 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: NY

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 2025-05-10 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: CA

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy. This situation has left me feeling both disadvantaged and apprehensive, especially because this inaccuracy is hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy. This situation has left me feeling both disadvantaged and apprehensive, especially because this inaccuracy is hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

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 2025-05-10 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: FL

Complaint narrative:
Under 16 U.S. code 166b Late payment removal for the year 2019 from XXXX to XXXX from the historical data for account ending in : 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 2025-05-10 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: FL

Complaint narrative:
Under 16 U.S. code 166b Late payment removal for the year 2019 from XXXX to XXXX from the historical data for account ending in : 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