vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: WV

Complaint narrative:
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 2025-04-11 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: WV

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I applied for an American Express Delta Skymiles card. On XX/XX/XXXX I was sent a misleading email indicating I would receive XXXX bonus miles instead of the XXXX they originally offered on XX/XX/XXXX for my new card. I began using my credit card more than I would have to achieve that new offer. Now they are telling me that offer is not valid for my card and its only for new card holders. My question is why would they send me an offer for another skymiles card if I already had one?

After speaking to the staff at Amex, they told me I they do not provide TWO of the same cards to the SAME consumer. So why did I receive an offer scratching out the original XXXX bonus miles? In other words, their marketing was misleading me to think they were increasing my bonus miles if I spend money on the card. But they didnt inform me that i would not be eligible for XXXX XXXX XXXX : XXXX promotion. 

After speaking to 4 staff members at Amex about the issue, I was unable to find a resolution to their misleading email advertisement. So I asked them how I could get in touch with the CFPB to make my voice heard. None of the agents knew who the CFPB was. The manager advised me I should research the CFPB contact information myself to file a complaint. After a long discussion, I finally got the manager to provide me this website to file a complaint. 

I have found that Amex is sending me promotions about the card that I applied for on XX/XX/XXXX that are not relevant to my situation. I have spent money on this card that I would have not normally used to achieve the new bonus offering. After discussing with Amex, they told me I am not eligible for the offer and I found it difficult to get Amex to provide me contact information for the CFPB so I could have my voice heard. 

I also want to point out that I have attached photos of the marketing. Due to system limitations, I was unable to upload the ENTIRE marketing email. There is fine print on the email that i have not included due to the files being too large. I would be happy to provide the entire email to anyone so there is a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I have already disputed this item with the credit reporting agency, and I am not satisfied with the results of their investigation. 
Specifically, I dispute the account XXXX XXXX as being inaccurate, incomplete, or unverifiable as this account is paid monthly on time. The credit bureau has not provided adequate documentation to prove the account is accurate or verified the process used to determine its validity. Under FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the disputed information, including the name, address, and telephone number of the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I have already disputed this item with the credit reporting agency, and I am not satisfied with the results of their investigation. 
Specifically, I dispute the account XXXX XXXX as being inaccurate, incomplete, or unverifiable as this account is paid monthly on time. The credit bureau has not provided adequate documentation to prove the account is accurate or verified the process used to determine its validity. Under FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the disputed information, including the name, address, and telephone number of the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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: FL

Complaint narrative:
Im writing regarding a collection account that recently appeared on my credit report. I dont recognize this account and never authorized it. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ). 
Here are the details : Creditor/Agency : XXXX  Account Number : XXXX Amount : {$16000.00} Opened : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, speci cally Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. 
Please provide me with veri able proof that this debt belongs tome. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am filing this complaint because my federal student loans, which were previously in deferment and in good standing, have been reactivated and reported as active without proper notice, consent, or justification. This change appears to be the result of recent government policy shifts, but I received no clear communication or explanation from my loan servicer regarding the status change. 

In addition to this, my loan servicer has violated my privacy by disclosing or sharing personal financial information without my consent. This is completely unacceptable and further demonstrates mishandling of borrower data and a lack of transparency. 

Impact : My credit is at risk, even though I have not missed any payments and have been fully compliant with all previous terms. 

I was not given proper notice or opportunity to respond or prepare for this change. 

The unauthorized disclosure of my private information is a breach of trust and possibly a violation of federal privacy laws. 

XXXX Im Seeking : Immediate restoration of my loans to their prior deferment status. 

Removal or correction of any negative credit reporting related to this unjust status change. 

A full explanation of why and how my deferment was ended, including copies of any communications allegedly sent to me. 

A formal response regarding the privacy violation, including details of what information was shared, with whom, and why and what steps are being taken to remedy this. 

Additional Context : I previously disputed the inaccurate reporting with the credit bureaus to try to protect my credit. However, given the severity of the situation, including the privacy breach, I am now escalating this issue through the CFPB. 

Thank you for your time and for taking this matter seriously. I expect a thorough and timely resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I authorized a XXXX XXXX XXXX with Ohio XXXX That was set to expire XX/XX/XXXX. In XX/XX/XXXX I was involved in a tragic accident, which caused serious injuries hospializing me and totaling out my spouse XXXX XXXX XXXX truck. XXXX of XXXX an " UNAUTHORIZED '' INSURANCE POLICY was created under my name that I had no knowledge of until just a few weeks ago as I glanced over my created profile. 

Do to this atrocious action committed by XXXX  XXXX not only did this cause A Breach In our contract for the XXXX Insurance policy but it also mislead my creditability for multiple years being falsely furnished on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
There are hard inquiries on my Experian report that I never authorized anyone or any company to pull my credit report there are accounts on my Experian credit report that I did not open up, they refuse to take the information off my 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( TRANSWORLD SYSTEM INC XXXX ) has violated my rights. 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
My personal information was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. Please remove these accounts they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-04-11 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: FL

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and harmful information being reported by Equifax on my credit report. 

Equifax is currently reporting a collection account in the amount of {$1200.00} from XXXX XXXX XXXX, allegedly connected to XXXX XXXX Bank. I am writing to dispute this reporting, as I have no knowledge of this debt and have never held any account with either XXXXXXXX XXXX or XXXX XXXX Bank related to this amount. 

Attached to this complaint is a letter from XXXX XXXX XXXX clearly stating that there is no record of any account or collection activity associated with my name or Social Security number in their office. This letter confirms that the account should not exist and should never have been reported to any of the credit bureaus. 

As such, I am requesting the immediate deletion of this erroneous collection account from my Equifax credit report, and ask that the CFPB take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) by only reporting accurate and verifiable information. 

Included with this complaint : The letter from XXXX XXXX XXXX confirming no record of any account in my name Thank you for your time and assistance. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-11 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: AZ

Complaint narrative:
Chase bank is refusing to give me back a check that was deposited in my name from my job because they are needing to verify info on another account. By law I am entitled to that since the check is under my name. This has been going on for over a month and no resolution has came up yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My Chase freedom card has now been hacked three times this calendar year ( XXXX  ). I have several credit cards and only this one continues to be hacked with fraud charges. I have asked for support over many phone calls looking for a resolution, however, they are still working on one approximately one month later ( since XX/XX/year>XXXX  ) and have told me it takes up to 90 days to find a resolution. This does not work when my card is hacked every month. When I have tried calling in, I am cold transferred to continue to repeat myself and I talk to representatives who are short and talk over me. It takes up several hours of my time every time a card is hacked. I am extremely frustrated to say the least. Please get a real human who knows what they are talking about to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account with Morgan Stanley Private Bank ( through E-Trade ) with a promotional offer to receive a {$250.00} cash bonus after setting up a direct deposit of at least {$1000.00} and receiving two such direct deposits within 90 days of account opening. I have never owned a deposit account at this bank in the past, and this is this was the only deposit account I opened with Morgan Stanley Private Bank. 

On XX/XX/XXXX, I received the first such payroll deposit of {$1800.00}, and on XX/XX/XXXX, I received a second payroll deposit of {$1800.00}. On XX/XX/XXXX, I received a message from the bank stating : " Based on your recent direct deposits, you`ve met the preliminary qualifications. We are reviewing your account to ensure all other offer requirements are met. If they have been, you can expect your bonus to be deposited into your account within 120 days of when your account was opened. '' On XX/XX/XXXX, I received a message stating : " You recently opened a new checking account from Morgan Stanley Private Bank, Member FDIC as part of a cash bonus offer. Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus. '' On XX/XX/XXXX, I called customer service to inquire about which offer requirements I did not meet, since it was my understanding that I had met all requirements : I had opened the account before the deadline of XX/XX/XXXX ; the account was funded within 30 days to remain open ; I had received two qualifying direct deposits within 90 days over {$1000.00} ; I had opened the account online ; I had received the offer via email ; I did not own or co-own any checking account with Morgan Stanley Private Bank in the past 12 months ; and I am a US resident. There is nothing in their terms and conditions that disqualify me. The customer service representative could not explain to me why I did not receive the bonus, but promised to follow up with me within 24 hours. I did not receive any follow up.

Company response to consumer: Closed with explanation