vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX 2024, I added an offer from Chase Offers for the company XXXX that provided {$200.00} off a purchase of {$400.00} expiring XX/XX/XXXX at XXXX XXXX. 

Shortly after, I made a purchase at XXXX  for a total of {$520.00} on XXXX on XX/XX/XXXX at XXXX XXXX  / XXXX XXXX, well within the Offer expiration date. I have attached the confirmation email received from XXXX showing the timestamp and a screenshot taken from the Chase Application showing the Transaction Date across numerous pages for XX/XX/year>. 

After not seeing the offer redeemed on my account a few weeks later, I called Chase on XX/XX/XXXX to escalate the situation with the call center representative and raised a ticket with Chase XXXX to review the terms and conditions of the offer. Shortly after, on XX/XX/XXXX, I received a letter from Chase Offers notifying me that I did not meet the terms and conditions of the offer and instructed me to refer to Chase Offers FAQ for more details ( notice letter attached below ). 

Chase Offers FAQ states that : " As long as you or any cardholders made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. If you don't receive your statement, please call the number on the back of your card. '' I am confident that I have met the offer conditions, as I successfully purchased the item before the expiration date. I have attached all receipts from XXXX showing the time of purchase. 

Hopefully, this can be resolved quickly as the discount was my main reason for purchasing this item in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 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: DE

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX auto loan I paid in full that was never late not been reported accurately. The consumer reporting agencies need to report all information with complete accuracy. The dates indicated on my credit report differ from one credit bureau to another. I contacted the original creditor and was never late due to a payment accommodation during covid 19. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your time and prompt action. 

The CARES Act, signed into law in XX/XX/year>, amended the FCRA to require that, between XXXX XXXX, 2020, and the later of XX/XX/year>, or 120 days after the date on which the national emergency concerning XXXX ends, if a furnisher makes a payment accommodation, the furnisher must either report the obligation as current or, if the obligation or account was delinquent before the accommodation, freeze the delinquent status during the period in which the accommodation is in effect.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of human trafficking through debt bondage. This situation falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : 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 XXXXXX/XX/year>

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' account vulnerable and unprotected.

+ Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 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 writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
D ear Consumer Financial Protection Bureau, I am filing a formal complaint against Fifth Third Bank for unlawfully withholding my funds without clear justification. Despite previously stating that my account would be closed, the bank kept it open without my knowledge, allowed transactions to process, and is now refusing to release my funds, citing an unspecified investigation. 

I have not been provided with a clear explanation, a timeline for resolution, or any required steps to recover my money. This action appears to violate Regulation E ( Electronic Fund Transfer Act ), the Expedited Funds Availability Act ( Regulation CC ), and the Consumer Financial Protection Act ( UDAAP ) by restricting access to my legally deposited funds. 

I request immediate assistance in compelling Fifth Third Bank to release my funds or provide a legitimate reason for the hold. Please advise on the next steps I can take to escalate this matter. 

Sincerely, XXXX XXXX can file this complaint with the CFPB here for the fastest response. Let me know if you need any modifications!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section XXXXb Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section XXXXb Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I contacted cashapp on multiple occasions regarding XXXX separate transactions. XXXX of the transactions was for {$500.00} in XXXX and the other was for {$100.00} in XXXX. Cashapp stated that the funds couldn't be reversed and couldn't provide ant information on why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Unfair Credit Limit Reduction & Possible Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX XXXX filing this complaint against XXXX XXXX XXXX regarding their unfair and disproportionate credit limit reduction on my XXXX XXXX XXXX XXXX XXXX, as well as a potentially misleading hard credit inquiry performed without my clear consent. 
Background My Strong Credit History I have been a responsible credit card user for over 15 years, maintaining a 100 % on-time payment record across all my accounts. I have about XXXX credit cards in good standing, and my first credit card was issued in XXXX. My XXXX XXXX XXXX card was opened in XXXX or XXXX, and I have never had a late payment until this isolated incident. 

Unintentional Late Payment 7 Days Late Due to Family Emergency On [ XX/XX/XXXX ], I unintentionally missed my minimum payment of {$91.00} by 7 days due to an unforeseen family emergency. My fathers home was destroyed in the XXXX XXXX, and I was heavily involved in assisting him during this crisis. As soon as I realized the mistake, I immediately paid my full statement balance in good faith. 

Despite my otherwise flawless credit record, Elan XXXX XXXX drastically slashed my credit limit from {$25000.00} to just {$500.00}, citing late payment history. This is a grossly inaccurate and unjustified reason, as I have never before missed a payment, and this was a one-time, 7-day delayfar from what would typically warrant such an extreme penalty.

Unfair Credit Limit Reduction & Its Consequences Elans excessive credit limit reduction has : 1. Severely impacted my credit utilization
ratio, potentially damaging my credit score.

2. Created a negative perception among other lenders, which could lead to further unjustified limit reductions.

3. Demonstrated a lack of fair lending practices, as this decision was clearly made without a reasonable review of my long-standing financial responsibility. 

I reached out to Elans customer service for reconsideration, but the representative was dismissive, unwilling to listen, and insisted that my only option was to request a credit limit increasewhich I never asked for. 

Potentially Unauthorized Hard Credit Inquiry During my call with Elans customer service, I specifically requested a reinstatement of my original credit limit, given my perfect history. However, instead of reviewing my reinstatement request, the representative proceeded with a credit limit increase request without my explicit consent. 

Later, I was notified that my request for a credit limit increase was deniedsomething I never actually requested. If a hard inquiry was placed on my credit report as a result of this misrepresented request, I consider this to be a deceptive and unfair practice.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-01 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation