vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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 review my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates XX/XX/year> XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank You, Please see screenshot attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been told the company no longer allows its credit card customers to change the payment due date. When I asked how can I prevent from being charged late fees if you wont adjust the due date to coincide with the payment I am making? I was told to put aside more money.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a fraudulent check of {$5000.00} made on my checking account attached to my credit card account under my name. I don't know how that person gained access to my account, but the check was deposited via the mobile app that I used. Before I could even dispute the transaction, a charge was made on my card to pay off my credit card, but the check wasn't deposited as of yet in my account ; it was stopped by the bank itself. Once I called to square away the issue, the bank and credit company deemed that it was my doing and that I needed to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Service Finance Company has reported to all XXXX  credit companies ( XXXX, XXXX, and XXXX ) that the account is closed. The charge off start date started back in XX/XX/year> and the Balance owed {$15000.00}.

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX regarding the amount they stated I owed of {$1500.00} in fees. I was offered a payment arrangement for 6 months and asked for a written letter of the arrangement showing the amount and due dates they I called back in XX/XX/XXXX to inquire about the payment arrangement letter I did not receive and was told because I did not keep the terms of the agreement that I had to pay in full {$1800.00}. I advised I could not offered that and they told met to " get a loan ''. They advised I could see if my mortgage company would pay to release the lien to protect their stake in the property so I asked for the letter to be sent to XXXX XXXX  to demand payment during the call on XX/XX/XXXX and was told it would take 3 days for the letter to go out to XXXX. On XX/XX/XXXX I called to inquire if XXXX had paid {$1800.00} and was advised of a balance due. I called to mortgage company they advised they already made payment to release the lien but XXXX had added fees beyond the date of the original amount. XXXX demanded I pay {$1400.00} extra adding fees due to their delay in notifying my mortgage company from XX/XX/XXXX - XX/XX/XXXX for late fees and additional costs although their letter was dated XX/XX/XXXX. I sent an email to XXXX asking for the fees to be considered waived, with no response. On XX/XX/XXXX I called and they offered me a settlement amount of {$900.00} in full with no payment arrangement due by XXXX. I asked for the settlement request in writing and again by XX/XX/XXXX no letter of settlement was received and they are now giving me 2 days to pay {$910.00} or assess more fee and another lien on the property on XX/XX/XXXX. Thye have refused to fax or email the copy of the letter to me or to First Service XXXX so I could obtain a copy. They stated they do not have a fax machine and could not email it, only mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.

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 2025-03-11 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: NV

Complaint narrative:
I do not recognize this address please remove. Thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV 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 2025-03-11 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance 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 2025-03-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX 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 2025-03-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  for failing to correct inaccurate tradelines on my credit report, despite multiple disputes. 

Background : XXXX XXXX  continues to falsely report XXXX ( XXXX ) tradelines on my credit reports. 
XXXX XXXX XXXX confirmed in XX/XX/year> that these accounts were deleted, yet XXXX XXXX  has failed to remove them. 
XXXX XXXX  has ignored my previous CFPB disputes and refused to investigate or respond properly. 

FCRA Violations : XXXX XXXX  is violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) Failing to ensure accurate reporting.

FCRA 605 ( a ) Illegally re-aging and continuing to report accounts that should be deleted.

FCRA 611 ( a ) ( 1 ) ( A ) Failing to verify the accuracy of disputed items.

Financial Harm : Because of these false tradelines, I have suffered : Higher interest rates and credit denials for loans. 
Loss of financial opportunities. 
Emotional distress due to XXXX XXXX  negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$600.00} U.S.C 1681 Section 602 A. States I have the right to privacy 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, other than records of convictions of crimes which antedates the report by more than seven years. 


1

5 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 accurate. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I believe that when this account was opened it was my mother, it was opened without my knowledge. I had no clue that she used my information to open the account until I got the XXXX XXXX app to start building my credit and I seen the debt collection on the app but what I notice was that my name was not spelled right! So I dispute it on the XXXX XXXX and I got denied twice. Please help me fix this because it is hard to build my credit when I have a debt thats not even mine!! Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I applied for the American Express Platinum Card on XX/XX/XXXX, and was not informed that I was ineligible for the welcome offer ( XXXX reward points ). The offer required spending {$8000.00} within six months to receive a welcome bonus. I met this requirement, spending {$8000.00} by XX/XX/XXXX, only to later be told that I was not eligible for the bonus. 

At no point during the application process or while using the card was I informed of my ineligibility. If I had known, I would not have applied for the card ( which carries a {$690.00} annual fee ) or made those purchases. When I contacted American Express customer service via chat and phone, the representative abruptly ended the chat before addressing my concerns, which added to my frustration. 

To make matters worse, after being denied my welcome bonus, I continued to receive marketing emails from American Express inviting me to apply for other XXXX XXXX XXXX with a XXXX-point welcome offer. If I was already ineligible for welcome offers in their system, why am I still being targeted with such promotions? This further demonstrates inconsistency and misleading business practices. 

I believe this situation is both misleading and deceptive, as American Express failed to properly disclose my ineligibility upfront. 

I would like CFPBs assistance in resolving this issue, as I believe American Express engaged in unfair business practices by failing to disclose my ineligibility and continuing to market similar offers to me despite claiming I am ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I when to XXXX  and put an order for my credit report file and they're refusing to give me this information unless I provide more information yet when I apply for a line of credit with a XXXX XXXX they all three credit bureaus handed over my information to the 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I when to XXXX  and put an order for my credit report file and they're refusing to give me this information unless I provide more information yet when I apply for a line of credit with a XXXX XXXX they all three credit bureaus handed over my information to the 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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
An debt collection was applied to my XXXX credit profile that was incorrect. The amount for this account is {$310.00}. Which was applied on XX/XX/year>. This account does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited three checks into my checking account that were from XXXXXXXX XXXX Two in the amount of {$1000.00} and one in {$270.00}. These were funds from accounts I closed at XXXX. These checks were held and my Chase account was restricted pending verification. Time had gone by and the checks were cleared. The account was still restricted with no access to my funds. I called Chase and the supervisor of the relevant department was unable to get in contact with the check issuing bank, which was XXXX, through their two phone numbers they had on file. I had to call myself and get them to transfer so they could communicate. The agent from XXXX was able to verify my checks for the supervisor at Chase, however at the end of the call, the Chase supervisor said that in the timeframe of the chat that Chase had decided to close my account. Absolutely ridiculous. I received notice of my account closure on XX/XX/2024 and a statement letter showing a XXXX XXXX  - Check Charge in the amount of {$2200.00}. I have not been able to receive any information on this or get these funds released and sent to me. Check Numbers from XXXX XXXX  that were deposited into Chase Account - XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation