vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MY INFORMATION WAS LEAKED WITH THE DATA BREACH, 15 USC 1681 SHOULD BE UPHELD ON MY BEHAVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DISCOVER BANK
State: VA

Complaint narrative:
Dear Discover XXXX, I am writing to formally demand payment of my Discover XXXX bonus {$11000.00} ( please see attached ), which I believe has been wrongfully denied. My account XXXX was closed by Discover on XX/XX/XXXX prior to the end of the XXXX period XX/XX/XXXX ( please see attached ), despite being in good standing with no late payments, payments in full, and no violations of your terms. 

Upon account closure, I was informed that I am ineligible to receive the Discover XXXX bonus due to " my account status - closed ''. However I never closed my account or requested it to be closed. 

Discovers actions in closing my account appear to be an arbitrary and unjustified decision, specifically timed near the end of the XXXX period, resulting in the forfeiture of my accrued bonus. Given that I have met all the requirements for the promotion in good faith, Discovers refusal to honor the promised Match bonus constitutes : Unjust Enrichment I made significant purchases and generated transaction revenue under the reasonable expectation that Discover would honor the promotional terms. 

XXXX XXXX XXXX Closing the account just before the XXXX periods end suggests a deliberate attempt to avoid fulfilling the advertised promotional offer. 

Breach of XXXX The promotional terms were ambiguous regarding closures initiated by Discover, such an interpretation XXXX not hold up under legal scrutiny. 

Discover XXXX of {$11000.00} was supposed to be paid out to me via XXXX or a physical check on XX/XX/XXXX. Since I have not received my Discover XXXX bonus, as a resolution, I am demanding full payment of my Discover Match bonus in the amount of {$11000.00} via XXXX or physical check sent to my address on file, within 14 days of receiving this letter. If Discover fails to honor this request, along with this formal CFPB complaint : -File a BBB complaint regarding Discovers unfair business practices. 
-Report this issue to my XXXX Attorney XXXX XXXX for potential violations of consumer protection laws. 
-Pursue legal action, including arbitration or litigation, to recover the full amount owed. 

I expect a written response from Discover no later than XX/XX/XXXX. If I do not receive a satisfactory resolution, I will escalate this matter accordingly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. My understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law.

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report.

Furthermore, I would like to remind you of FCRA 15 U.S Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Compliant portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

These are the inquiries on my credit report that I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168 : Equifax, Experian, TransUnion for their repeated failure to correct inaccuracies and update payment histories on my credit report, despite providing clear evidence I disputed the inaccuracies listed on the doc attached as " XXXX XXXX XXXX XXXX XXXX '' several times with the credit bureau ( s ) to no avail. I have sent dispute ( s ) via certified mail and filed a cfpb complaint XX/XX/year> outlining the errors and to try to resolve these issues - Incorrect payment status ( e.g., " late payments '' reported despite on-time payments ). 
-Missing or incomplete payment histories XXXX -Charge off account with past due balances -Inaccurate negative account remarks - Failure to update payment history to reflect " Paid as Agreed '' after full settlement. 
- Outdated addresses/names still listed, increasing fraud risk. 

These errors have caused denial of credit higher interest rates employment rejection harming my financial standing. 

The credit bureau ( s ) have repeatedly violated the FCRA by : 1. Refusing to correct inaccuracies despite receiving proof by receiving all 3 credit bureau report for side by side comparison 2. Failing to conduct a reasonable investigationunder FCRA 611 ( a ) ( 1 ) ( A ).

3. Ignoring requests to update payment histories, misleading creditors about my creditworthiness.

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 2025-02-14 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I've been an American Express ( AMEX ) credit card holder since XXXX. I had XXXX XXXX, Delta Airlines, and Hilton Honors AMEX cards for a number of years. I have been pretty satisfied with these cards that allowed me to earn points/miles toward store purchases, airline tickets and hotel stays. However, I am not so satisfied now after I've been misled ( tricked ) by AMEX promotional offers not just once but twice. At the beginning of summer XXXX, I received several promotional ( mail and email ) offers about my Hilton Honors card, inviting me to earn XXXX bonus miles by adding an additional card member to my existing account. Unfortunately, this offer was false because we did not receive any bonus points after my daughter was added in XXXX and started using her own card right away. Sometimes in the fall, I called AMEX customer support and was told that I added my daughter too early before this promotional offer was in effect. At first, I didn't feel like arguing with them, even though I was receiving this same offer for months in the mail and also via email. Soon after, I received an identical offer for my Delta card, and again, I was tricked by the promised XXXX miles for an additional card member. My daughter has been using both her cards and spent more than {$500.00} on each in less than 6 months, but still, no bonus points have been received to this day. The most disappointing part of this experience was that multiple representatives of AMEX were openly lying to me on the phone, trying to make me believe that it was all my fault because I had not pressed the right button on the electronic promotion or did it at the wrong time, etc. One of the representatives tried to offer me XXXX bonus miles instead of XXXX total as a " one-time courtesy. '' The most disappointing part of all of this is that I never received any formal response from them but they've told me on the phone that my case was opened and closed almost immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and found some errors relating to my payment history on some accourts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX ). Please investigate these errors and remove the late payments if these cannotbeverified

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> I wired {$3200.00} from my checking account in Bank of America. The international wire transfer was to XXXX limited located in XXXX. This is a family business. The receiving Bank was XXXX XXXX Bank. As of today the money has not been received as it never reached XXXX commercial bank as the account was inactive. Bank of America was advised 2 days later to recall the funds. Bank of America has not refunded my money and has refused to assist. The middle bank in this transaction was XXXX XXXX. They have refused to assist me since Im not their client. I desperately need help in this matter. Thanks.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Failure to Investigate Dispute Violation of FCRA To Whom It May Concern, I am filing this complaint against Equifax, Experian, and TransUnion for failing to properly investigate and respond to my credit report dispute, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 


Within the last 6 months, I have submitted multiple disputes regarding inaccurate information on my credit report ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Specifically, late payments on XXXX XXXXXXXX XXXX XXXX XXXX closed, charge-off, and collection accounts : XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

Under the FCRA, the credit bureau is required to complete its investigation within 30 days ( or 45 days if additional information was provided ) and notify me of the results. However, the credit bureau failed to conduct a proper investigation and verified inaccurate information and disputed information remains unchanged without proper justification. CFPB has recently filed a lawsuit against the credit bureaus for failing to investigate consumer disputes properly, remove errors, and prevent inaccurate information from being reinserted into credit reports. 


I request that the CFPB investigate this matter and require Equifax/Experian/TransUnion to take immediate action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights. Please require the bureaus to ensure compliance with FCRA dispute resolution requirements going forward.

Failure to address this issue may result in further action, including legal remedies. I appreciate your prompt 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am here to express my concerns when it comes to the handling of Zelle over my disputes and transactions. In the light of the recent CFPB lawsuit, despite using Zelle on numerous occasions it has failed to adequately report any claims I have made in regard to any financial decrepancies. The informed that recovering lost fund wouldnt be possible and tracking them were unfeasible. They not only have neglected me but other uses and have still allowed for others to exploit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-02-14 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed Complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Verified as Reported, '' fails to adequately address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, TransUnion reports a XXXX late payment for XX/XX/XXXX, while Equifax reports a 30-day late payment for XXXX XXXX inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed Complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Verified as Reported, '' fails to adequately address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, TransUnion reports a XXXX late payment for XX/XX/XXXX, while Equifax reports a 30-day late payment for XXXX XXXX inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.

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 2025-02-14 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:
Dear Consumer Financial Protection Bureau, I recently reviewed my credit report and discovered multiple unauthorized inquiries that I did not approve. These hard inquiries were made by the list of companies below with the date ( s ), and I have no record of applying for credit, loans, or services with these companies. I am concerned that these inquiries may have been made in error or as a result of potential identity theft, and they are negatively impacting my credit score.

I have already attempted to resolve this issue by contacting the credit bureaus and the companies responsible for the inquiries, but I have not received a satisfactory resolution. I am requesting the CFPBs assistance in investigating these unauthorized inquiries and ensuring they are removed from my credit report. Additionally, I would like clarification on how these inquiries were initiated and what steps can be taken to prevent future unauthorized activity on my credit file.

Thank you for your time and assistance in this matter. I look forward to your response. 

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX TWICE, XX/XX/XXXX TWICE, XX/XX/XXXX TWICE XXXX Inquired XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX Sincerely, XXXX XXXX ( enclosed is my drivers license

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 2025-02-14 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: MI

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Transunion, XXXX, and XXXX regarding inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ). As required by law, the credit bureau had 30 days to investigate and respond, yet I never received any correspondence, verification, or resolution regarding my dispute.

Under FCRA Section 623, data furnishers are required to provide only accurate and verifiable information. Because I did not receive a response or resolution within the legally mandated timeframe, I am requesting immediate action from the CFPB to enforce compliance.

If the disputed accounts can not be verified, they must be immediately removed from my credit file. Please escalate this matter and ensure that Transunion follows federal guidelines in handling consumer disputes.

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