vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft never gave XXXX and XXXX XXXX permission to furnish information on my credit report regarding the utilization of my card.The utilization and card balance shall be placed back down to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft never gave XXXX and XXXX XXXX permission to furnish information on my credit report regarding the utilization of my card.The utilization and card balance shall be placed back down to 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX Credit Card has been charging my account XXXX monthly for a applecare account for 2 years for those 2 years automatic payments were set up and paid the balance. Recently in XXXX XXXX XXXX  automatic payments shut off by itself Technical issue on XXXX end and stopped making payments. XXXX did not notify me of this or that there was a payment that was never paid so it went pass due and then they put a late payment on my credit report. Seeing that these payments were suppose to be automatic and also there was not any communication, no phone call, no mail, nothing at all to even contact me this is completely wrong. I settled the payment and made the payment I have a perfect XXXX XXXX and knew of the issue would have obviously taken care of it. I strongly disagree with there way of business.

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 2025-02-23 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: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I had a private student loan that was in default in XXXX. In XXXX, I received a judgement on my credit which I was not informed of prior to it happening. In XXXX, they filed a garnishment against me. I had changed employers and moved so they had not received any payments. I had not heard anything about the debt since XXXX, and then in XXXX of XXXX, I received a letter that they filed a XXXX against my real estate. I looked at the court records and in XXXX they had revived the debt which I had not received any notifications about to dispute it. I had requested proof from their collection lawyer that is proceeding through court for proof of the debt and proof of the original date of default of the debt and they responded but only provided me with the public record court documents and not the original proof of debt. I also just received notice that they are trying to garnish my wages through the court. I looked up the company, XXXX XXXX XXXX XXXX XXXX XXXX and read about the other claims against them recently with court settlements. I am wondering how a company can file these court documents against me without notifying me or try to collect on a XXXX XXXX XXXX debt that is now over the statute of limitations for collection from the initial date of default?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had a business checking account with Chase for several years now. I recently attempted to open a new business account and was approved. Then, because I was using XXXX software to protect privacy ( according to Chase ), my bank accounts were blocked and shutdown by Chase due to suspicious IP address activity. I then repeatedly, over and over and over again called Chase and verified my identity and was able to have the checking accounts reactivated and unblocked. However, despite repeatedly being told by Chase that there was not a problem, Chase has continued to block and deactivate my checking accounts. I will then call Chase and verify my identity and be told that Chase made an error or mistake and that I would be provided access to my accounts again. And for a day or XXXX I will have access to my accounts. Then Chase will block them again and I will have to repeatedly call, verify my identity and get the accounts unblocked. Then, a day or XXXX later, Chase will block them again for no reason and I will have to go through the same process. I have spent HOURS, upon HOURS on the phone with Chase for over a week dealing with this issue. I am repeatedly told that Chase has made a mistake and that the issue is resolved. But it's not. Chase is denying me access to my money, they are interfering with my business operations, and they are causing me to be unable to perform my military job. This has been XXXX of the worst experiences I have ever had. Chase refuses to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I spent an agent regarding payment arrangements and payments was paid as agreed and should not be listed as late payments for the month of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  I would like for this to be updated as paid on time or removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This account violates consumer rights to privacy and confidentiality under 15USC1681, 15USC1681 section 602A, 15USC1681eb, 15USC1681c.a5, 15USC1681s2A1 demand for instant discharge requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I participated in the bank of america promotional offer through their website stating that if a new checkings account was opened using the direct link on their website, I would qualify for a {$300.00} bonus after {$2000.00} or so amount in direct deposit is placed into the account wihtin 90 days. I called in today and they noted me that I never started that promo and that that promo ended when I had participated which is not possible considering the link was still eligible, active, and listed on their website. 

To note, I even used the promo code they had provided to me. XXXX. 

Not only that, they even renewed this offer. But now stating I never started the process https : 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 2025-02-23 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:
I am not liable for this debt. I have a contract nor did they provide me with the original contract or the method of discovery as requested.

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 2025-02-24 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: NC

Complaint narrative:
My rights are being violated and my credit report is inaccurate. There are XXXX accounts in question.I am not liable for any debt. I do not recognize the account numbers. I do not recognize how these accounts are being reported and. I do not recognize the account status. I do not recognize the account high balance. Nor do I recognize the late payments associated with it. everything being reported here does not meet the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C 1681e ( b ) and 15 U.S.C 1692g they are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
My rights are being violated and my credit report is inaccurate. There are XXXX accounts in question.I am not liable for any debt. I do not recognize the account numbers. I do not recognize how these accounts are being reported and. I do not recognize the account status. I do not recognize the account high balance. Nor do I recognize the late payments associated with it. everything being reported here does not meet the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C 1681e ( b ) and 15 U.S.C 1692g they are in violation.

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 2025-02-23 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: GA

Complaint narrative:
Subject : Request for Correction of Inaccurate Information on Consumer Credit Report I am writing to formally dispute the inaccurate information reported on my Equifax consumer credit report regarding my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). As per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting that you update the information to reflect the accurate status of this account. 
The account is currently open and in good standing, yet it is being reported as closed with a history of a late payment. This information is both misleading and incorrect. To the best of my knowledge, the account has never been closed and is in fact open, active, and current. I request that Equifax correct this reporting error to reflect the accurate status of the account, as well as any other details pertaining to the late payment, which should also be REMOVED. Under the FCRA, I am entitled to a timely and accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and immediate removal of the following hard inquiries that were made without my explicit consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA XXXX, hard inquiries require my direct authorization. Since I did not authorize these, I request their removal. Please provide verification of my consent, or delete these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I demand the permanent deletion of this account since at no time have I signed contracts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605 b ( 15USC S1681 C-2 ) That you, The Trans Union Credit Reporting Agency Block Information apparent on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account a collections account a cellular account through educational accounts secure loan accounts These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections in charge-offs apparent on my consumer fecal credit report I've attached a copy of the FTC identity theft criminal complaint Report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and inquiries are the result of affinity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year> I made a call to Goldman & Saks Apple credit card asking if theyre were any options available to me to lower interest rates and or any other options to help me repay my debt. the supervisors exact words were No & the rate your making payments it will take you XXXX yrs to pay this debt off. I couldnt believe he actually said that. Unprofessional. I had no option but to close the card. My payments were {$170.00} almost all was for interest. The interest was more than my payment each month. The more I thought of the conversation on XX/XX/XXXX the more I felt something was off. I called again XX/XX/year> ( Case number for Goldman and XXXX XXXX. ) XXXX ( XXXX  supervisor ) said I have an option to stop interest in monthly increments or get on 60 month payment agreement and a few other options. But because I closed the card I cant get help. Had the gentlemen ( the supervisor ) I spoke to on XX/XX/XXXX gave me the correct information and not belittle me I would be in such a better situation. This is detrimental to my credit which makes it life changing. I want to repay my debt with the options they have available. I was lied to and forced to close my account because he misled me to believe Goldman & Saks didnt offer anything to its customers who are having financial issues. I requested the call from XX/XX/year> be reviewed and a complaint filed for the misinformation I was given and for misrepresentation of Goldman & Saks. Id like this looked into further. I am a XXXX  Im financially struggling in the uncertain economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate credit reporting and to properly investigate and correct errors on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 writing to formally file a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate credit reporting and to properly investigate and correct errors on my credit reports.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian******* Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-24 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian******* Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I found a promotional bonus for a credit card ( AAdvantage Card through Citi Bank ) that fit my needs. I clicked the promotional link and applied for the card. I was notified that I was approved. Within the allotted time, I met the minimum requirements for the promotional bonus miles award. Several months later, I noticed I had not received the award. When I inquired, I was informed that due to having received a bonus 2 years ago, I was not eligible. The representative did direct me to the very fine print explaining this policy. This seems intentionally misleading since in 3 places, the main promotional site, the offer disclosure, and the " approved '' page after applying, there was not even any information indicating that not all applicants will qualify for the award- it was only buried in the multiple page application fine print. 

My complaint to Citi was that this information should be more readily available when being told you are " approved '' for a card, especially considering the application for it was completed through a promotional link. 

I have applied for credit cards with other companies that will provide that information to you before you even complete your application.

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