vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
Dear Sir/Madam, I have a XXXX XXXX Credit Card XXXX XXXX in XXXX ) linked to my XXXX XXXX XXXX account ( XXXX ). 
This card carries an annual fee and includes the following benefit, as stated in the terms : Up to {$100.00} XXXX XXXX XXXX XXXX : A statement credit of {$50.00} will be automatically posted to your account for your first and second hotel stays of {$50.00} or more when you book and pay with your card directly through XXXX XXXX, up to a maximum accumulation of {$100.00} annually. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 

I applied for the card on XX/XX/XXXX, which is also the account open date. 
The account anniversary is XX/XX/XXXX. 
The first statement date after the anniversary is XX/XX/XXXX. 
Based on the terms, my benefit periods should be : XXXX annual period : XX/XX/XXXX ( account open date ) XX/XX/XXXX ( first statement date after account open date anniversary ) XXXX annual period : XX/XX/XXXX XX/XX/XXXX XXXX annual period : XX/XX/XXXX and so on I booked and paid for XXXX hotel stays through XXXX XXXX on XX/XX/XXXX, and the {$100.00} cashback was credited on the same day XX/XX/XXXX on the statement. Also, the XXXX hotel booking stay dates were XX/XX/XXXX and XX/XX/XXXX. Either booking date and stay date clearly fall within the first annual period. I didn't book any hotels after that day. 

However, when I checked my account details on the XXXX website recently on XX/XX/XXXX, it displayed the following message : {$100.00} XXXX XXXX XXXX- {$100.00} of {$100.00} used - Next available XX/XX/XXXX. 
This indicates that the next {$100.00} credit will not be available until XX/XX/XXXX, effectively skipping the second annual credit period ( XX/XX/XXXX XX/XX/XXXX ). 

I first contacted Chase, the credit card issuer, regarding this issue. Chase informed me that they were we are unable to assist with benefits associated with the linked XXXX member number as they are managed and fulfilled by XXXX directly. and instructed me to contact XXXX. When I then contacted XXXX, they told me to contact Chase instead. 

As both Chase and XXXX have directed me to contact the other, I am unsure who is responsible for resolving this issue. I kindly request your assistance in restoring my missing {$100.00} XXXX XXXX XXXX XXXX for the period of XXXX. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: CO

Complaint narrative:
In late XX/XX/XXXX, I received a mailed offer from a company called XXXX XXXX stating that I was pre-approved for a debt-consolidation loan for military families. When I called the number on the letter, I was connected to XXXX XXXX with XXXX XXXX. He said XXXX XXXX partners with a law firm, Level One Law, to help settle credit-card debt for less than the total owed. 

I was told this was a veteran-friendly debt-relief program and that Level One Law would negotiate with my creditors if I stopped making payments to them. I signed a retainer agreement with Level One Law / Michel Law LLC on XX/XX/XXXX. The total unsecured debt listed was {$240000.00}, and I was instructed to make monthly payments of {$3100.00} into an account at XXXX XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, more than {$25000.00} was withdrawn from my bank account. 

None of my creditors ever heard from Level One Law or XXXX XXXX, and no settlements or payments were made on my behalf. This not only further damaged my credit but also resulted in multiple court cases and official judgments entered against me and my husband. I was eventually able to recover the remaining balance from the XXXX XXXX account after an overarching lawsuit was filed against the company. However, Level One Law/ XXXX  XXXX XXXX XXXX never returned any of the service fees. 

Since I received zero services and was left in a far worse financial and emotional position, I am requesting a full refund of the {$8000.00} in service fees paid to Level One Law aka XXXX XXXX through XXXX XXXX XXXX. Their conduct appears to violate the Federal Trade Commissions debt-relief rule, which prohibits collecting any fees before a settlement is reached and payment is made to a creditor. This entire situation caused extreme stress and harm to my family, including my XXXX  XXXX veteran spouse.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I've reached out to them numerous times and couldn't say the exact dates but the last time I contacted them was on XXXX XXXX. I indicated to them that I was still experiencing the same site issues ( mouse lag, the whole page glitching, to constantly changing the chart configuration after a simple ticker switch, etc ) and havent even recieved any follow up email explaining if the issue was being looked at or resolved at all for that matter. My PC has met all requirements to run this website smoothly with no hickups but yet I keep getting some type of interference between the browser software ( XXXX ) and robinhood servers. I have tried everything under the sun to see if the issue is on my end but after spending around {$800.00} in services and no resolve. And with the numerous amounts of accounts on reddit reporting the same or similar issues I'm having, the consensus would say its on Robinhoods end. Since the XXXX server crashed not too long ago it seems like there is still a problem and its getting worse everday. So far I have lost over {$1000.00} in profits because i was not able to exit out of my limit orders due to the system glitches that occured and progressively got worse as the market opened ... to the point I was seeing 3 different prices on 4 charts that had the same ticker just at a different time frames, which should definitely not give me three different prices. I can keep going on and on. Again I have contacted them through the website customer support portal and have talked to them over the phone, each time leaving me even more frustrated because the porblem is persisting and compounding but they still claim " they dont see anything on there end that would cause an issue ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I was involved in a data breach and my information was used without my consent, I have attached letters that should be sent to 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 non-monetary relief
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I was involved in a data breach and my information was used without my consent, I have attached letters that should be sent to 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 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
b'Sunrise Credit Services, Inc. is attempting to collect and report an alleged XXXX XXXX debt that is not valid and has already been previously disputed with another collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a written certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute to XXXX XXXX XXXX XXXX. under 15 U.S.C. 1692g(b)XXXX  failed to provide validation or verification of the debt. Despite this, the same alleged XXXX  account later appeared under Sunrise Credit Services, Inc. with a claimed balance of XXXXI subsequently sent a certified dispute and cease & desist letter to Sunrise Credit Services on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sunrise has not provided any validation yet continues to furnish this account to the credit reporting agencies, in violation of FDCPA 1692g(b) and FCRA 1681s-2(a)(3).\n\nAdditionally, the data Sunrise furnished is internally inconsistent across the XXXX  credit bureaus (XXXX XXXX XXXX XXXX)  the Date of Last Activity and Date Last Reported differ for the same account.\nThis demonstrates Sunrises failure to ensure accuracy and consistency under FCRA 1681s-2(b) and 1681e(b).'

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a written dispute to Experian requesting that my personal information be corrected. I included proper identification ( drivers license, Social Security card, and proof of address ) and clearly listed my correct identifying information, requesting deletion of inaccurate and outdated personal data ( old addresses, names, and employers ). 

Instead of conducting the required reinvestigation, Experian mailed me a letter ( Report # XXXX dated XX/XX/XXXX ) claiming that my request did not appear to have been sent directly by me. This is false. I personally authored, signed, and mailed the letter with full documentation of my identity. 

Experians response violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 611 ( a ) ( 1 ) ( A ) Requires a consumer reporting agency to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice from the consumer.

611 ( a ) ( 2 ) Requires the CRA to promptly forward all relevant information provided by the consumer to the furnisher. 

611 ( a ) ( 6 ) Requires written notice of results and an updated report once reinvestigation is complete.

607 ( b ) Requires CRAs to maintain maximum possible accuracy in the consumers file.

Experians refusal to process my dispute and instead send a form letter effectively denies my right to a reinvestigation, constituting willful noncompliance under FCRA 616 and negligent noncompliance under 617.

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 2025-11-08 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: Credit Control, LLC
State: OH

Complaint narrative:
Credit Control LLC Account Number XXXX Dear Consumer Complaint Division, I am submitting a formal complaint against Credit Control LLC regarding account number XXXX. The original creditor is XXXX XXXX, and the original amount is {$530.00}. Credit Control LLC is acting as a debt collection agency. 
Credit Control LLC has engaged in unfair, deceptive, and unlawful debt collection practices in violation of federal consumer protection laws, including but not limited to : Failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Engaging in harassing and misleading conduct prohibited under 15 U.S.C. 1692d and 1692e.

Reporting unverifiable, inaccurate, or misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Refusal or failure to disclose full documentation validating the debt and proof of legal ownership, violating statutory transparency requirements. 
Possible violations related to communication methods and consent under the E-SIGN Act, including failure to provide physical validation notices by mail. 
I demand that Credit Control LLC immediately cease all collection activities and credit reporting related to this alleged debt until proper and verifiable documentation is furnished, including original account statements and legal ownership proof. Continued reporting or collection efforts without validation constitute harassment and bad faith and will prompt further legal action. 
Please confirm receipt and promptly address this complaint in accordance with federal consumer protection laws.

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 2025-11-08 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: CL Holdings LLC
State: NV

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that is appearing on my credit report which I have no knowledge of. The account details are : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/year> Status : Collection I have never opened, authorized, or had any account with XXXX XXXX. This appears to be an inaccurate or potentially fraudulent entry. I am requesting that the CFPB investigate this matter and ensure that the furnisher provides full validation and documentation to verify ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I over sent money to someone whod not request it originally but months after closed account that was linked to third party and now cant be accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 writing to dispute the accuracy of the information being reported on my Equifax credit report regarding the following account : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2022 Balance : {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: AR

Complaint narrative:
I was XXXX XXXX by an XXXX XXXX  on XX/XX/year> and my vehicle was totaled. The insurance for the driver of the XXXX XXXX  paid my vehicle off. The vehicle loan was through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX. I filed a dispute with Experian on XX/XX/year> and the results was ready in only XXXX. How can you properly investigate my dispute in only XXXX. This item on my report showing no payment in the last 45 days is hurting my credit report and I want it updated effective immediately. I can provide the insurance adjuster phone number and he can tell you that the said vehicle has been paid off. What Experian problem is I don't know but they did not properly investigate my dispute I mean it took only 3 days for them to come back with the results. I am not asking for anything but to get my credit report up to date and accurate period. I don't know why XXXX XXXX XXXX refuses to report this vehicle paid off. I need assistance with this matter because no one is even trying to correct my credit report and I've had it with Experian. They do absolutely nothing to help the consumer and they expect you to purchase a subscription.Experian need to be investigated for the lack luster job they do handling disputes I don't have to lie about the vehicle being totaled and paid off

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 2025-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing an unauthorized hard inquiry on my XXXX  credit report from Bank of America. 
I recently opened a business account, but I did not authorize Bank of America to run a hard credit inquiry on my personal credit report for this account. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a credit report for a permissible purpose, which includes situations where the consumer explicitly authorizes the pull. Since I did not provide authorization, this inquiry is unauthorized and violates the FCRA. 
I request that Bank of America verify the authorization for this inquiry. If they can not, I demand the immediate removal of this inquiry from my XXXX  credit report. 
I have attached my XXXX  report highlighting the unauthorized inquiry.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KY

Complaint narrative:
My wife sent me {$92.00} to my chime to pay one of our bills. The money never came through. So I found out it was paying a my repayment under my checking account back in XXXX, but this is the month of XXXX and my wife has sent several transactions to me before. I called chime Saturday XX/XX/XXXX they took the money the day before. I filed a dispute it was denied. I called them again and they said the money was not reversible. I've had money taken away from my card before without me knowing it and here lately I've been getting several transactions going through but there are no funds on my card.

Company response to consumer: Closed with explanation