vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to demand that Chase credit the XXXX Ultimate Rewards points the branch XXXX promised and documented on my account when I opened my Chase Sapphire Preferred ( CSP ) card. 

Factual timeline XX/XX/XXXXXXXX XXXX XXXX apply for account on XXXX XXXX XXXX bonus offer XX/XX/year> The branch XXXX matched the public XXXX bonus offer, noted it in the system, and confirmed the notation with me in person. 

XX/XX/scrub>XXXX XXXX XXXX  Phone confirmation : I called the number on the back of my CSP ; your representative confirmed that the XXXX match was note and successfully matched '', reward would be given by XXXX weeks when I finished spending XXXX. 

XXXX XXXX XXXX XXXX Qualifying spend : In reliance on that promise, I have already made {$5400.00} in qualifying purchaseswell above the {$4000.00} spend requirement. 

the matched bonus has not posted, I only receive XXXX instead XXXX. XXXX  agents now state they are unable to match the offer due to marketing team because it was opened on XX/XX/XXXX ''. However, I have never heard of this rejecting reason before and I was promised by the XXXX and people receive the call before. Now they are claiming that the branch/people I talk to did not understand credit card and unprofessional. 
XXXXromissory Estoppel I reasonably relied on Chases promise and incurred $ XXXX in spend I would have placed elsewhere. 

Unfair and Deceptive Acts & Practices ( UDAP ) Advertising or representing a bonus and then refusing it is a deceptive practice actionable under state law and subject to XXXX enforcement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sold a car to someone and they XXXX me the money and then they tried to dispute the payment and got my 53 bank account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries 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  I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
It comes up as XXXX XXXX and then they say I {$700.00} but no information on why I owe that much and as far as I know the account was closed because if it's the apartment that I used to live in I moved out when my lease was up and I had XXXX outstanding work orders that weren't complete things that needed to get fixed that weren't fixed and I was there for a year and when I moved out they added another month onto my lease when I moved out so I'm not paying for something that I didn't use every time I dispute it on my credit report they say it's verified and accurate when it's not accurate because I don't owe any money I was also going through a program that was also helping me pay half my rent and they were helping me get current so I didn't owe anything when I left that apartment so this is very frustrating

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 2025-05-07 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: NV

Complaint narrative:
I am having diffculty understanding their report. Could they please provide evidence regarding their online system? I believe their online system was experiencing a malfunction, and I contacted them to report this issue. Would it be possible to review their call records to verify my claim? |t appears they are only reviewing my payment history and not addressing the system malfunction or my call record. lam quite dissatisfied with the apparent inadequacy of their investigation. 
COMPLAINT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Hey Equifax! This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been updated as charged off every month, I have notified you multiple times already and this is really affecting my credit score, Theses updates on payment history affect my credit score. A charge off account should not include an active payment history ; this inaccurate information falsely manipulates the statute of limitations. This violated my right according to the law .You failed to investigate this account properly and your neglect has violated my rights I am demanding to please a deletion of the following account : XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My dad sent me some money through XXXX  and when I tried to transfer it to my XXXX XXXX instead it required ID verification so I completed it and was immediately banned. XXXX has frozen my funds for 180 days and I still can not access the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Advanced Resolution Services Inc, requesting that they : Substantiate all negative account data being reported under their authority. 
Provide a Metro 2compliant format for any tradeline they claim to furnish.

Produce physical documentation and a written method of verification within the 30-day statutory window, as required by FCRA 1681i ( a ) ( 1 ).

As of this filing, they have failed to provide any of the above.

Violations Identified : Failure to verify negative account ( XXXX ) ( including but not limited to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

No physical documentation or investigation findings provided within the required timeframe.

Failure to report data with maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ).

Failure to respond to dispute within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ).

Failure to notify or document any method of verification, as required under 15 U.S.C. 1681i ( a ) ( 6 ). Failure to delete unverifiable information, in breach o
f 15 U.S.C. 1681i ( a ) ( 5 ). 
Disputed Entries Include : 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 XXXXXXXX XXXX Collections Acct # XXXX Each of these entries is reported with incomplete, outdated, or unverifiable derogatory information across the three credit bureaus. My direct request to Advanced Resolution Services to substantiate these records has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX  Transunion there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Professional Recovery Management
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/inquiries reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/inquiries reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-07 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: NV

Complaint narrative:
I've been disputing this companies reporting since XXXX. 
Account type doesn't match from all three reporting agencies. Date the account was opened is different per agency. The Account status is reporting differently per agency. The high credit is also reporting differently. The last payment reported is different. The comment are different and derogatory from consistent poor reporting effecting my credit worthiness. The Date last active is different from three reporting agencies. The two year history is different from all three reporting agencies.

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 2025-05-07 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX, PA XXXX Addresses : address XXXX XXXX XXXX XXXX, sc XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Accounts : XXXX XXXX  XX/XX/XXXX ( XXXX ), Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Addresses : address XXXX XXXX XXXX XXXX, sc XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Accounts : XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ), Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX Subject : Inaccurate Late Payments on Closed Account XXXX XXXX XXXX  continues to report late payments on a fully paid and closed account ( Acct # ending in XXXX ). This is misleading and inaccurate under FCRA 623 ( a ). I disputed this with both the creditor and the bureaus and asked for either correction or deletion. No action has been taken in over 30 days. I respectfully request the CFPB 's assistance to ensure accurate and complete reporting under federal law.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
The total was XXXX dollars this was about 10 transactions that cash app decided to cancel and refund for my protection and it would go back on to my debit card in 1 to 2 business days but that never happened it's been years they even closed my account because I kept asking about where my money is and where it went they definitely scammed me I asked my bank multiple times what happen to my money did they ever get it back on my bank statement it only shows the funds going out and never coming back in so it had to be cash app they money left my debit card but never came back like they said it would the reason I was even adding money like that is because I was out of town and I lost my debit card so I was cash apping my girlfriend so I can just get the funds from her I have all the receipts date the identifier numbers that cash app gave me I even have the texts messages stating the cancelled my transaction for my protection but the money will be put back on my debit card in 1 to 2 business days that was a lie they kept my money and never returned and I want my money back only action they told me is they can't help me with that situation but if there's anything else I would like help with they could few customer service people told me the money was refunded but my bank said they never received any thing and I never got anything I was about to sue my bank about the situation but cash app is the real problem they got my money it shows it been taken from my debit card they didn't return it like they the said they did they only refunds I got in XXXX didn't come from cash app they told me the transaction have been voided but I thought they refunded that doesn't make sense either way I never got my money back from XXXX XXXX  app or cash app you can see below my bank transaction and all the refunds for XXXX I. Also spoke with my bank about cash app said you guys need to void the charges so that money would come back but that didn't change a thing I don't know if they ever did it or not but I know I never received my money til this day I'm not sure who did it I just know I never got my money from either of them and I'm still not happy about the situation I might even have contacted you guys before about this im not sure I just got upset over again and this is the only thing I can think of doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I had previously enrolled my Barclays credit card in monthly automatic payments, which had been functioning without issue for an extended period. Without notice, Barclays began rejecting the authorized payment method despite it being valid and unchanged. I only became aware of the problem after missed payments began to affect my account. Upon contacting Barclays to resolve the issue, I found their customer service to be unhelpful and not proactive in identifying or explaining the root cause of the payment failure. Due to the unresolved nature of this issue and its potential impact, I felt it necessary to report the matter to my insurance company for further documentation and support

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