vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
I am writing to formally request your assistance in resolving a discrepancy regarding missing bonus points from Chase XXXX offers that I enrolled in using my Chase credit card. 
I activated and enrolled in the following offers : Offer 1 : Earn {$100.00} cash back on your Chase XXXX purchase when you spend {$500.00} or more, including taxes and after any discounts ( see attached XXXX ). 
Offer XXXX : Earn XXXXXXXX XXXX XXXX when you purchase a hotel stay through Chase XXXX with a total spend of {$400.00} or more in a single transaction ( see attached XXXX ). 

On XX/XX/2024, I made a qualifying purchase of {$500.00} using my Chase credit card through Chase XXXX. While I successfully received the {$100.00} cash back from Offer XXXX, the XXXX bonus points from Offer XXXX have not been credited to my account even after waiting the required XXXX period following the transaction ( see attached XXXX ). 

I contacted Chase Customer Service regarding this issue, and I was informed that I would need to make another separate purchase to qualify for the second offer ( see attached XXXX ). However, I thoroughly reviewed the terms and conditions of both offers, and there is no mention of a requirement to make separate purchases to qualify for both. 

The only reason I chose to shop with Chase XXXX was the combination of these two promotional offers ( their website price is higher than the market ). I feel misled by this lack of clarity in the terms and am requesting that the XXXX missing bonus points be credited to my account promptly. 

For your reference, I have attached screenshots of the offers, my qualifying transaction, and Chase 's response. Thank you for your attention to this issue. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-01-10 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: OK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
4 hard inquires on my credit report not requested by me. CBNA on XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> These requests were not by me and I need to have them removed There were duplicates on the report that appear to have been removed, but the originals are still there

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 2025-01-10 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:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FOR ALL CLIENTS! 
1st box : I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
FOR ALL CLIENTS!

1st box : I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX for another vehicle when at the time the XXXX XXXX XXXX im speaking about was paid off in full a check was written out and paid to Santander Consumer USA. Months passed and i realized that the vehicle was still on my credit report. i contacted the car dealership to verify that the vehicle was taken care of and it was confirmed by the dealership and i was sent a copy of the check that was sent to Santander. Myself and the loan department spoke with Santander and they said the amount they received wasnt the full amount which it was. Santander had even sent the XXXX XXXX title to the dealership which shouldnt have even been possible if they werent paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a follow up to my previous complaint with CFPB, Complaint # XXXX which Bank of America indicates has been resolved. I contend that it is not. Can someone please validate that my complaint has or has not been resolved. I would like the CFPB to determine whether Bank of America has adequately resolved this issue or not. I responded to their response to my previous complaint and indicated that they had not resolved this issue. I spoke to 'XXXX  XXXX from Bank of America and was not satisfied with his responses to my questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XX/XX/year>, my pay credit limit increased to {$500.00}. I consistently received payroll checks and maintained a recurring credit limit of {$500.00}. Over my last XXXX line-of-credit requests, which totaled {$410.00}, I managed repayments as required. On XX/XX/year>, I received a deposit of {$740.00}, which was promptly repaid. The following day, on XX/XX/year>, my payroll of {$1200.00} was processed. 

However, the {$740.00} deposit significantly impacted my credit limit, leaving me unable to reborrow a larger amount despite my ability to repay. This limitation exposed flaws in the functionality of the " XXXX XXXX '' line of credit program, which presents itself as a bridge to assist between pay periods. Instead, it appears structured to restrict access to credit, effectively undermining its stated purpose and causing financial inconvenience. This misrepresentation has resulted in an experience that feels misleading and counterproductive for borrowers seeking reliable financial support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app card was closed no reason provided reached out to advocate via chat support case was created to appeal was told would get an email within 30 days this was done in XXXX or XXXX. Today I received the below from another advocate same as I received each time I follow up. ( See below ) I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Pa, XXXX XXXX Original creditor XXXX XXXX community college Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing regarding the above-referenced account reported on my credit report. I am not disputing this account. However, I am requesting additional information to fully understand the details of this account. Please provide me with the following : XXXX. The date of the first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 

I appreciate your cooperation in providing this information and look forward to your prompt response. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
CFPB HAS NOW SUED EXPERIAN FOR ILLEGAL ACTIVITY AS XX/XX/XXXX DO TO CONSUMER NEGLIGENCE WHEN ALLEGING " INVESTIGATED AN ACCOUNT THAT DISPUTED ''. I HAVE SENT IN ALL DOCUMENTATION TO EXPERIAN AND EXPERIAN HAS FAILED ONCE AGAIN TO REMOVE FRAUDULENT XXXX XXXX ACCOUNT. OTHER BUREAUS SUCH AS XXXX AND XXXX XXXX HAVE REMOVED FRAUDULENT XXXX XXXX ACCOUNT. ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested my report on the annual credit report website and was denied access to my report because I failed the security questions and tried to reach out by phone and I had issues trying to contact them because of my phone contains malware and someone took control over my data and information. I want to cancel all services concerning the credit monitoring because of my data being sold online without my consent and ongoing abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested my report on the annual credit report website and was denied access to my report because I failed the security questions and tried to reach out by phone and I had issues trying to contact them because of my phone contains malware and someone took control over my data and information. I want to cancel all services concerning the credit monitoring because of my data being sold online without my consent and ongoing abuse.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Whatever is on my consumer statement is getting me denied for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXXXXXX XXXX - XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX AND XXXX NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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 2025-01-09 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: FL

Complaint narrative:
Account XXXX : XXXX Account XXXX : XXXX XX/XX/XXXX / XX/XX/XXXX This company is reporting fradulent inaccurate information on my credit report. The information listed in my Identity Theft Report, whch appears in my Report does not relate to any transaction ( s ) I have made. I requested that they provide the purchase agreement to show full ownership of such account, according to 1681i of the Fair Credit Reporting Act. My social security number has been compromised in the XXXX National Public Data breach.

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