vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
Last week, I transferred XXXX Chase Ultimate Rewards points from my Chase Sapphire ( or relevant ) account to XXXX XXXX XXXX. I confirmed the transfer through the Chase portal, which stated transfers are at a full 1:1 ratio, in XXXX increments. The Chase terms explicitly note : Transfer your points to any of our airline and hotel partners at full 1:1 value. The policy further clarifies that transfers are one-way and final, with no option to reverse them : points transfers to partners can not be reversed.

Despite the transfer processing instantly ( as per Chases policy that most partner transfers are almost instant ), I discovered that no award availability existed for the XXXX XXXX flights I intended to book. I then attempted to use the points toward a standard cash fare, but was shocked to find that XXXX XXXX only allowed the points to offset approximately {$300.00} of the ticket costfar less than the {$1000.00} value those same XXXX points held within the Chase Ultimate Rewards portal.

There was no clear warning or disclosure on Chases platform that, once transferred, the points would be subject to such a steep devaluation or that they could not be used to cover the full cost of flights. This contradicts Chases marketing, which promotes 1:1 transfers to travel partners as maintaining full
value. As a result, my points are now trapped in XXXX XXXX program with drastically reduced utility, and Im left unable to use or recover the original value of what I earned through Chase.

Immediately upon noticing the problem, I called Chase customer service and requested a transfer reversal or points reinstatement. I was told that because the policy says transfers are final, no reversal or remedy is possible. I then asked to escalate the case to a supervisor or Rewards departmentmy request was denied. As a result, Chase refused to offer any resolution, effectively depriving me of XXXX points ( valued at approximately {$1200.00} {$1800.00} in potential travel value via partner award charts ) even though their terms and advertising led me to believe I could use, or at least recover, the points if issues arose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15

USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-06-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I went to cancel an app XXXX XXXX before I did I XXXX led the credit sore it says I had credit from comenity bank XXXX XXXX I do not recognize that bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
MARINER FINANCIAL SENT A XXXX CHECK IN THE MAIL WITHOUT MY REQUEST BUT I HAD A NEED SO I DEPOSITED IN THE XXXX XXXX XXXX XXXX XXXX ACCOUNT TO PAY BILLS AT THE TIME I KNEW I COULD PAY {$160.00} monthly DUE HAVING A GOOD JOB AS XXXX. I LOSS MY JOB THEN I WAS NOT ABLE TO FIND ANOTHER JOB FOR MORE THAN 2YEARS.I MADE ARRANGEMENT TO PAY BUT WHEN I DID PAY 1-2 TIMES IT NEVER REFLECTED ON MY ACCOUNT. I STARTING FREQUENT CALLS FROM OFFICE IN XXXX NC AND SOMEONE IN MARYLAND THAT IT WAS CHARGEOFF STATUS BUT THE WHEN FROM XXXX TO OVER XXXX AND PLACED IN COLLECTIONS AND MONTHLY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MS

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. And according to the Fair Credit Reporting Act, whenever a consumer re Porting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( l ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I'm reaching out to formally dispute an account listed on my credit report that is completely unfamiliar to me and not mine in any way. I do not recognize this account, I have never opened or used it, and I have never had any relationship with the creditor listed. Simply put : this account is unknown to me and is clearly a case of mixed or incorrect data being attached to my credit file. 

This is a serious issue, and I am demanding that this matter be addressed immediately and thoroughly. I work hard to maintain and protect my credit, and I will not allow inaccurate, misreported, or misattributed information to tarnish my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
Asked if they would remove the derogatory incorrect information that reported my car payment as being late I believe a total of 11 times when in all actuality it was my personal property taxes ( XX/XX/XXXX- XX/XX/XXXX? ). My monthly car payment is {$460.00} and I've NEVER missed a payment- they show it on my XXXX Statements as well as it shows Late Payments {$0.00}. No actions have been done on their end. I received a correction letter from one of the other reporting facilities that it was removed- not sure if it was put back..

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 2025-06-26 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am filing this complaint due to several inaccurate and misleading items being reported on my credit reports by XXXX XXXX ( two accounts ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts are negatively affecting my credit score due to false reporting, improper re-aging, and violations of the Fair Credit Reporting Act ( FCRA ). 

Details of each account : XXXX XXXX XXXX  ( 2 accounts ) : These accounts are reporting a {$0.00} balance but are still being listed as active collections. This is misleading and inaccurate. An account that has a {$0.00} balance should not continue to be reported as a derogatory collection, as it gives the false impression that the debt is still outstanding and collectible. 

XXXX. XXXX XXXX XXXX This account is also reporting a {$0.00} balance while being marked as a collection. This is inconsistent with fair credit reporting standards and is inaccurately hurting my creditworthiness. Again, a {$0.00} balance should not carry an active negative status unless the information is being misrepresented. 

XXXX XXXX XXXX  : This account appears to be re-agedthe date of last activity has been changed to a more recent date, even though there has been no recent activity on the account. The balance is also inaccurate. This violates FCRA 605 ( c ), which prohibits re-aging of accounts, and FCRA 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of information known to be inaccurate.

Laws being violated : FCRA 1681e ( b ) : Requires that credit reporting agencies maintain maximum possible accuracy.

FCRA 605 ( c ) : Prohibits the re-aging of accounts to keep derogatory information on a credit report beyond the 7-year limit.

FCRA 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting data they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid off my Lowe 's Card through synchrony bank, the full amount, over {$11000.00}. I paid it online. The next month they sent me a bill for {$5.00} for " interest that accrued ''. They did not disclose this at the time of payoff. A consumer should be given a full payoff amount on the day they wish to pay. This is misleading and borderline fraudulent to not allow a full payoff.

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 2025-06-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal and final demand for the immediate permanent deletion of all unauthorized credit inquiries listed below from my consumer file. These inquiries were made without my knowledge, without my consent, and without a legally permissible purpose, as required by federal law. I did not apply for credit with these entities, I did not authorize these pulls, and I have received no services or accounts from them. 

I am not asking. I am demanding deletion. You are legally required to comply. 

Unauthorized Inquiries DELETE IMMEDIATELY : XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are illegal. You have no signed authorization. You have no permissible purpose. You have no proof. You are in direct violation of : FCRA 1681b No inquiry may be made without a legitimate and verifiable purpose FCRA 605B You must BLOCK fraudulent or unauthorized data within 4 business days FCRA 611 ( a ) ( 7 ) If you claim an inquiry is valid, you must provide the method of verification in writing FCRA 1681n Willful non-compliance makes you liable for damages METRO 2 XXXX  Standards Any deviation from CRRG-compliant reporting procedures makes you liable for false reporting I have provided the required documentation to prove that I am a victim of identity theft, including : FTC Identity Theft Report Government-issued ID Social Security Card Proof of Address Screenshots and Data Breach Records There is zero justification for allowing these inquiries to remain. You are on notice. You have 30 days under federal law to respond to this dispute. But under FCRA 605B, you are required to block fraudulent inquiries within 4 business days. 

If I do not receive written confirmation that ALL unauthorized inquiries listed above have been deleted, I will take the following actions without further notice : File a formal complaint with the CFPB File a complaint with the FTC Submit a complaint to the State Attorney General Pursue legal action under FCRA 1681n for willful noncompliance Request statutory, punitive, and actual damages in federal court Let me be crystal clear : If you can not produce physical evidence of signed authorization, delete the inquiries immediately. I am not waiting on investigations that go in circles. I do not need excuses. I need confirmation. 

I will pursue every legal remedy available to me if this is not corrected immediately. 

You have the documentation. You have the law. You now have the demand. 
Act accordingly.

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 2025-06-26 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: CA

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

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 2025-06-26 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-26 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: GA

Complaint narrative:
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 Trans Union 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> I purchased a business that banks with Chase bank. 
Chase closed my account without notice in XX/XX/year>. 
Chase then informed me in XXXXXXXX XXXX XXXX of the account closure but would not disclose why. 
Immediately upon reading the notice I proceeded to try to get my funds out. 
The bank refused to provide me my funds, even though they had just updated my address and name 3 months prior. 
They stated that I need to provide a Utility bill for the address of the business I just purchased, on the ofice address I updated it to to get my funds. 
So then I requested a wire, their representative said they would communicate with the bank manager and tell them to give me my funds at the bank, informed me to go back in. 
I went back in but that manager was not there at the time I went. 
I went back again, still not there. 
I reached out to the representative again and asked if we could schedule a time. 
They said no they had already cut a check. 
Apparently they cut a check, but it was not until XX/XX/scrub>XXXX XXXX 
Banks are required to provide me my funds immediately upon request or within 2 days. 
The bank is required to. 
However they did not, and are now refusing to cover the interest, and will not cover the cost of my loan when I got it.

Company response to consumer: Closed with explanation