vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
WE XXXX XXXXXXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
XXXX XXXX : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze my credit 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 2025-03-28 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 was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
XX/XX/XXXX my statement included interest charged for XXXX after a waived late fee was dropped. I called to complain because my payment receipt notification was noticeably later than usual. I called Amex to learn how they receive and process payments. I was told that the postal service has slowed down service especially since COVID which I question because I still get my bill in the mail when I always have and I get my other monthly bills when I always have. Furthermore, none of my other time sensitive outgoing mail has been arriving any later than usual. Now, my most recent payment which I mailed on XX/XX/XXXX did not get processed by the due date of XX/XX/XXXX so I called again and filed a formal complaint XXXX with Amex employee XXXX and questioned again why my payment has not been processed and question if Amex is holding payments till after the due date to get free fees and interest on a customer who never carries a balance. I received my payment receipt notification for that billing cycle on XX/XX/XXXX citing receipt on XX/XX/XXXX so I am expecting another round of fees and interest on my next statement. This is not a me problem, I send my payment in full when I always have, the postal service is working just as they always have as evidenced by all my other time sensitive mail. This is an Amex problem and they are taking my money and potentially affecting my credit score by failing to receipt my payment in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for refusing to remove inaccurate and unauthorized personal information from my credit reporteven after multiple disputes and full documentation. 

I have disputed the following items with Experian through : Certified mail in XX/XX/XXXX XXXX CFPB complaints filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX A complaint filed with the Federal Trade Commission ( FTC ) Despite all efforts, Experian continues to report : Eight ( 8 ) inaccurate addresses, some of which I have never lived at, and others that are over XXXX XXXX XXXX Several phone numbers and employer names, which are not legally authorized to appear on a consumer credit report under FCRA guidelines Misspelled variations of my legal name, which are inaccurate and harmful I submitted valid identification documents, including : A copy of my drivers license with my legal name and current address A recent bank statement and my U.S. Passport all confirming my identity Additionally, I have been a victim of a data breach, which makes it even more critical for Experian to maintain only accurate and verifiable information on my report. Continued reporting of this false information increases the risk of identity theft and further harm. 

Both XXXX and XXXX properly removed the same inaccurate information after receiving identical documentation. Experian is the only bureau refusing to correct my file. This demonstrates willful noncompliance and violates : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures for maximum accuracy 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information 15 U.S.C. 1681c Reporting outdated and obsolete data Experian has previously been held accountable for similar FCRA violations, including the 2017 CFPB enforcement action resulting in a {$3.00} million fine, and court cases such as Brown v. Experian, which involved failure to correct inaccurate personal data after disputes. 

I am requesting immediate action by the CFPB to : 1. Order Experian to permanently delete all inaccurate addresses, names, phone numbers, and employers 2. Investigate Experian for ongoing FCRA violations and failure to comply with federal law 3. Confirm resolution and deletion in writing to prevent future harm If Experian continues to ignore this matter, I am fully prepared to escalate with a formal Notice of Intent to Sue and pursue all available remedies under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX GA 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 2025-03-28 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: CO

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: GA

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 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: NY

Complaint narrative:
On or around the date I applied for the XXXX XXXX XXXX American Express Card, I was under the impression that I would be eligible for a welcome offer of XXXX bonus miles after meeting the spending requirement of {$3000.00} within the first 6 months. This offer was advertised on the XXXX website ( XXXX ) with a clear expiration date of XX/XX/year>, as shown in a screenshot I have from the website. The advertisement also mentioned a {$0.00} introductory annual fee for the first year, then {$150.00} thereafter. 

After applying for the card, I did not receive any notification during the application process that the welcome offer had been declined. I completed the application and was approved for the card. However, when I reached out to American Express customer service via chat on the same day at approximately XXXX XXXX to confirm my eligibility for the XXXX bonus miles, I was informed that the offer had been declined during the application process. The representative stated that the decision was based on my history with American Express, including past welcome offers, introductory APR offers, and the number of cards I have opened and closed. They further confirmed that I would not receive the bonus miles because I proceeded with the application despite the alleged notification of the declined offer. 

I expressed that I did not receive or notice any such notification during the application process and was under the impression I would receive the bonus miles upon meeting the spending requirement. The representative maintained that the notification was presented before I submitted the application and that no bonus would be applied to my account. They also stated there was no process for reconsideration of the bonus. The chat concluded at XXXXXXXX XXXX with the representative noting that I might be eligible for future offers if I keep my account in good standing, but this did not address my immediate concern about the XXXX bonus miles I expected to receive. 

I believe this situation involves a lack of clear communication during the application process. If the welcome offer was declined, this should have been more prominently displayed or communicated to ensure I could make an informed decision about proceeding with the application. I would not have applied for the card without the bonus offer, as it was a significant factor in my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Request to Publish My Experience with Inaccurate Credit Reporting** To Whom It May Concern, I am writing to formally request the publication of my experience involving inaccurate credit reporting, with the hope of providing insight to others in a similar predicament. 

**Background** : I submitted a formal complaint regarding inaccuracies in my credit report to the three major credit reporting agencies, specifically XXXX, Experian, and XXXX. Despite my efforts to resolve these discrepancies, including sending a certified letter several months ago, I have yet to receive a substantive response or resolution from these agencies. 

**Legal Basis** : This situation involves significant violations of my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. The FCRA mandates that consumers have the right to dispute inaccurate information in their credit reports. Specifically, 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation of any disputes. The lack of acknowledgment and response to my complaint raises serious concerns about compliance with these legal obligations. 

**Consent for Publication** : I understand that the Consumer Financial Protection Bureau ( CFPB ) will take necessary steps to redact my personal information prior to publication. I hereby consent to the publication of this description on consumerfinance.gov to aid in raising awareness about the potential issues consumers face with credit reporting inaccuracies and the critical need for accountability among credit reporting agencies. 

I appreciate your attention to this matter and trust that my experience will contribute to a broader understanding of consumer rights in the realm of credit reporting. 

Thank you for considering my request. 

Sincerely, 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Request to Publish My Experience with Inaccurate Credit Reporting** To Whom It May Concern, I am writing to formally request the publication of my experience involving inaccurate credit reporting, with the hope of providing insight to others in a similar predicament. 

**Background** : I submitted a formal complaint regarding inaccuracies in my credit report to the three major credit reporting agencies, specifically Equifax, XXXX, and XXXX. Despite my efforts to resolve these discrepancies, including sending a certified letter several months ago, I have yet to receive a substantive response or resolution from these agencies. 

XXXX*Legal Basis** : This situation involves significant violations of my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. The FCRA mandates that consumers have the right to dispute inaccurate information in their credit reports. Specifically, 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation of any disputes. The lack of acknowledgment and response to my complaint raises serious concerns about compliance with these legal obligations. 

**Consent for Publication** : I understand that the Consumer Financial Protection Bureau ( CFPB ) will take necessary steps to redact my personal information prior to publication. I hereby consent to the publication of this description on consumerfinance.gov to aid in raising awareness about the potential issues consumers face with credit reporting inaccuracies and the critical need for accountability among credit reporting agencies. 

I appreciate your attention to this matter and trust that my experience will contribute to a broader understanding of consumer rights in the realm of credit reporting. 

Thank you for considering my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Request to Publish My Experience with Inaccurate Credit Reporting** To Whom It May Concern, I am writing to formally request the publication of my experience involving inaccurate credit reporting, with the hope of providing insight to others in a similar predicament. 

**Background** : I submitted a formal complaint regarding inaccuracies in my credit report to the three major credit reporting agencies, specifically XXXX, XXXX, and TransUnion. Despite my efforts to resolve these discrepancies, including sending a certified letter several months ago, I have yet to receive a substantive response or resolution from these agencies. 

XXXX*Legal Basis** : This situation involves significant violations of my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. The FCRA mandates that consumers have the right to dispute inaccurate information in their credit reports. Specifically, 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation of any disputes. The lack of acknowledgment and response to my complaint raises serious concerns about compliance with these legal obligations. 

**Consent for Publication** : I understand that the Consumer Financial Protection Bureau ( CFPB ) will take necessary steps to redact my personal information prior to publication. I hereby consent to the publication of this description on consumerfinance.gov to aid in raising awareness about the potential issues consumers face with credit reporting inaccuracies and the critical need for accountability among credit reporting agencies. 

I appreciate your attention to this matter and trust that my experience will contribute to a broader understanding of consumer rights in the realm of credit reporting. 

Thank you for considering my request. 

Sincerely, 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 2025-03-28 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief