vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am writing to file a formal complaint against Synchrony Bank in relation to an unjustified action taken on my Amazon XXXX Credit Card account. On XXXX XXXX, 2025 XX/XX/year>2025, Synchrony Bank checked my XXXX XXXX without my explicit permission and subsequently made the decision to lower my credit limit. My original credit limit was approved at {$4000.00}, yet they unilaterally reduced it to {$3400.00}. This occurred despite my consistent on-time payments, including a payment of {$520.00}, while my minimum payment due was only {$240.00}. 

It is troubling that Synchrony Bank accessed my credit score without my consent and used this information to lower my credit limit, despite my ongoing good payment history. I did not request a credit limit increase, nor was I notified beforehand that a credit check would be conducted. Under the Fair Credit Reporting Act ( FCRA ), companies are permitted to access a consumer 's credit report without permission only for specific reasons, such as making a pre-approved credit offer. These types of checks are typically considered soft inquiries and do not affect a persons credit score. However, when an institution decides to adjust the terms of an agreement, such as lowering a credit limit, they are obligated to issue an adverse action notice detailing the reason behind the change. To date, I have not received any such notice or communication from Synchrony Bank explaining their decision. 

In Washington State, we are also protected by the Consumer Protection Act ( RCW 19.86 ), which ensures consumers are safeguarded against unfair business practices, including the unauthorized modification of credit offers and misleading or inadequate disclosures. Given that my credit limit was reduced without sufficient justification or notification, I believe Synchrony Bank is in violation of both federal and state regulations. This action not only negatively impacted my credit but was also conducted in an unethical manner that bypasses my rights as a consumer.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
First box 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 my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 my 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 2025-02-21 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Got hacked on cash app and couldnt get anyone to fix the issue had over XXXX dollars taken and sent to a bunch of people on some online currency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Back in XXXX, Chime closed my account without my knowledge, however, they had informed me that a dispute that I had already had filed would post a temporary provisional credit in the account until the claim was resolved. They've recently sent me statements from that account during that time frame and have even sent me ones that are so recent as of XX/XX/XXXX as if the account is still active. The statements do show they funds that accumulated until the very moment of closure and shows they removed those funds and listed it as a " adjustment '', never stating a reason or explanation for closing the account and refusing to pay out those funds. However, even presently, they've now engaged in worse behavior. I have multiple items of evidence that will highlight Chime steals money from consumer 's accounts and lists them as if they are " Credit Builder Payments '' when they are not authorized, no email confirmation is ever able to be traced digitally or even disclosed in the legal terms and conditions, but also how they can't refund or dispute the charge. Ultimately leaving no recourse for the consumer. I have not only screenshots from a chat support agent, but voice recording with one on the phone and engaging in misinformation illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
ive sent multiple correspondences via certified mail attempting to correct the inaccurate information on my report. just recently sent in an online dispute inquiring the removable of these unverifiable accounts that have incomplete account numbers reporting. Requesting them to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Inaccurate Information - Incorrect Account Type and Mishandling of Credit Report Account : XXXX XXXX XXXX : Account Number : XXXX According to my credit report this account is labeled as a collection account the account type states it is an open account, this account supposed to be closed. The last reported dates are incorrect. This is a violation of my rights and a violation of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Original Amount Owed {$2800.00} Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 my account vulnerable and unprotected.

Furthermore, their dispute resolution proct 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 the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I can not afford to pay the amount of the income based payment plan and Im unable to sign up for deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$820.00} Opened : XX/XX/XXXX Self Financial/Lead Bank {$560.00} Opened : XX/XX/XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$7100.00} Opened : XX/XX/XXXX Credit Acceptance XXXX {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX XX/XX/XXXX Credit Bureau Asso of Georgia {$1100.00} XX/XX/XXXX XXXX, XXXX, and TransUnion have been notified XXXX mail and their websites in regards to the accounts listed. There is inaccurate information being reported regarding the accounts. The agencies have been asked on several occasions to delete the information but nothing has been done. As mentioned before disputes along with follow-up letters were sent to each via certified mail. They were asked to provide information on how the accounts were investigated and no response 45 days later. By law, they are to provide a solution or information within 30 days. Under the Fair Credit Reporting Act ( FCRA ) 15 1679c-Disclosure, I have the right to dispute inaccurate information in my credit report. I also have the right to sue a credit reporting agency for negligent or willful noncompliance with the law within two years after discovering the harmful behavior or within five years after the harmful behavior occurs, whichever is first. I would like to have this resolved another way before pursuing a case against the agencies. This has been an ongoing process for months and I have gotten nowhere. Please help 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 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$820.00} Opened : XX/XX/XXXX Self Financial/Lead Bank {$560.00} Opened : XX/XX/XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$7100.00} Opened : XX/XX/XXXX Credit Acceptance XXXX {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX XX/XX/XXXX Credit Bureau Asso of Georgia {$1100.00} XX/XX/XXXX XXXX, XXXX, and TransUnion have been notified XXXX mail and their websites in regards to the accounts listed. There is inaccurate information being reported regarding the accounts. The agencies have been asked on several occasions to delete the information but nothing has been done. As mentioned before disputes along with follow-up letters were sent to each via certified mail. They were asked to provide information on how the accounts were investigated and no response 45 days later. By law, they are to provide a solution or information within 30 days. Under the Fair Credit Reporting Act ( FCRA ) 15 1679c-Disclosure, I have the right to dispute inaccurate information in my credit report. I also have the right to sue a credit reporting agency for negligent or willful noncompliance with the law within two years after discovering the harmful behavior or within five years after the harmful behavior occurs, whichever is first. I would like to have this resolved another way before pursuing a case against the agencies. This has been an ongoing process for months and I have gotten nowhere. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Developers Mortgage Co.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Developer Mortgage for their failure to transfer foreclosure notices to my current mortgage company, which led to the foreclosure of my property. 

Details of the Complaint : Property Address : [ Your Property Address ] Initial Mortgage Company : Developer Mortgage Current Mortgage Company : XXXX Mortgage Servicing Developer Mortgage was the initial mortgage company when we purchased the property. However, after they transferred the mortgage to XXXX XXXX they remained on the title. When the XXXX XXXX ( HOA ) sent foreclosure notices, they were sent to Developer Mortgage. Unfortunately, Developer Mortgage failed to forward these notices to XXXX XXXX leading to an uninformed foreclosure on my home. Neither my current mortgage company nor I were aware of the foreclosure proceedings until it was too late. 

Resolution Sought : I respectfully request that the CFPB investigate this matter and take appropriate actions against Developer Mortgage for their negligence. Additionally, I seek assistance in reversing the foreclosure process to recover my home. 

I appreciate your attention to this serious matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$720.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank delivered checks to XXXX they were not cashed in the amount of XXXX XXXX XXXX they held this money for several years. Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX an XX/XX/XXXX. As I have an issue and have a XXXX handling the case for my residence. I was un aware that these paid bills checks were not cashed by the landlord. They kept my money in escrow. I had made several attempts to get money back but they always give me a run around. I would like my money plus the interest incurred for the following years they kept it. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$820.00} Opened : XX/XX/XXXX Self Financial/Lead Bank {$560.00} Opened : XX/XX/XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$7100.00} Opened : XX/XX/XXXX Credit Acceptance XXXX {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX XX/XX/XXXX Credit Bureau Asso of Georgia {$1100.00} XX/XX/XXXX XXXX, XXXX, and TransUnion have been notified XXXX mail and their websites in regards to the accounts listed. There is inaccurate information being reported regarding the accounts. The agencies have been asked on several occasions to delete the information but nothing has been done. As mentioned before disputes along with follow-up letters were sent to each via certified mail. They were asked to provide information on how the accounts were investigated and no response 45 days later. By law, they are to provide a solution or information within 30 days. Under the Fair Credit Reporting Act ( FCRA ) 15 1679c-Disclosure, I have the right to dispute inaccurate information in my credit report. I also have the right to sue a credit reporting agency for negligent or willful noncompliance with the law within two years after discovering the harmful behavior or within five years after the harmful behavior occurs, whichever is first. I would like to have this resolved another way before pursuing a case against the agencies. This has been an ongoing process for months and I have gotten nowhere. Please help 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 my 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
Over the course of the last two years, First Tech has charged me overdraft fees 9 times ( {$33.00} each ), totaling {$290.00}. I never consented to overdraft charges on my account. Regardless, I found that First Tech applied overdraft fees on my account during times when there would've been a positive balance ( the dates of the account credit that would've taken the account to a balance that would've prevented the overdraft, and the overdraft dates shared the same account transaction posting date ). I would like to formally request a refund on the overdraft fees that were applied in these sitations. Additionally, the forms I signed for my account relating to overdraft settings were only supposed to be applied to the savings account, not checking account.

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