vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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 sent out letters

to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I recently sent out letters to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.

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 2024-05-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen and they made multiple fraudulent charges on my cards. I informed the bank and gave them my identity theft report and all the information I had. They denied my claim multiple times. They are stating that the charges are not Fraud without any proof after I already gave them all information showing my identity was stolen. I requested copies of the documents they used to make this decision and they never sent me anything. Its been about XXXX months since the Fraud happened and they still have not refunded my 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 monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been reviewing my credit report on 3 agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are XXXX inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.

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 2024-05-10 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: NC

Complaint narrative:
I have been reviewing my credit report on XXXX agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are XXXX inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy court of Wisconsin and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase sent me a promotion email saying if I book travels on their travel portal from XXXX XXXX XXXX 2023. I can get XXXX bonus points. The email provides a link for me to register the event. I vividly remember I input my last four digit credit card number, my name in that link to register. The page also showed sth like you've sucessfully enrolled. 

However, I didn't get my bonus points after 3 months. I contacted chase. They first denied there was such a promotion event. Then I continued arguing with them, they said they need to investigate. 

Then they sent me a mail, claiming I didn't enroll the offer. 

I'm 100 % sure I enrolled the offer. 

I would consider the promotion event as a scam as there is no way for me to verify the validity of enrolling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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:
Dear Sir/Madam, I am writing to bring to your attention a matter of significant concern regarding the accuracy and integrity of my credit report. As a consumer affected by the Equifax data breach, I have discovered discrepancies in my credit accounts that I believe are a direct result of this breach. 

The Equifax data breach, which compromised the personal information of millions of individuals, including myself, has raised serious doubts about the security of my personal data and its potential misuse. Upon reviewing my credit report, I have identified several accounts that I did not open, transactions I did not authorize, and inaccuracies that I believe stem from this breach. 

I hereby formally dispute the following items on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the Consumer Financial Protection Bureau take immediate action to investigate and rectify these inaccuracies. Given the circumstances surrounding the Equifax data breach and the potential impact on my financial well-being, I urge you to ensure that these disputed items are promptly removed from my credit report. 

Furthermore, I request that the Consumer Financial Protection Bureau work closely with Equifax to enhance its security measures and prevent similar breaches from occurring in the future. Consumers deserve better protection of their personal information, and it is imperative that measures are put in place to safeguard against future breaches. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and uphold the integrity of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess 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 explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I see hard inquiries on my credit report that I did not authorize. 

XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 2024

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 2024-05-10 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: IL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen and they made multiple fraudulent charges on my credit card. I informed the bank and gave them my identity theft report and all the information I had. They closed the account for high utilization even after I had informed them this charges were not made by me and were a result of fraud. Its been about 3 months since the Fraud happened and they still have not all dropped the charges or refunded the transactions. I asked if they can reopen my account and the person did not help at all. After the account was closed it did not allow me to keep making payments from the mobile app so there was a late payment due in the account which I explained to a representative on the phone and they did not care about and still left it XXXX a late payment which can later affect my credit score. I have had a terrible customer service experience every time I get on the phone with a representative, they always seem to be lost or not very helpful. I have video proof of trying to make a payment on the app and it not giving me the option to pay this account for whatever reason. This is beyond ridiculous I'm looking to get a lawyer and possibly sue. I don't want any further business with Bank of America, i will not recommend them to anyone.

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 2024-05-10 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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:
The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10 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: NY

Complaint narrative:
The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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