vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was offered an award from the Chase XXXX awards card for XXXX bonus XXXX points. When I tried to sign up for the award by clicking through the email, it said the offer wasn't available. I called Chase and explained the issue and she said she didn't see the offer on my account ( despite me having several emails with my account # offering me the award ) and I should send an inquiry online. I sent an inquiry in XXXX and for the last 2 months Chase has written back with varying excuses as to why I was not eligible or my activity did meet the requirement ( spending {$6000.00} between XXXX ). Today, I called Chase after too much run around online and the agent now indicates that although I am eligible and my account shows that I spent the {$6000.00} in the time window, they could not honor it because something did not post until after XX/XX/year>. Apparently only they can see this different posting date as on my account it shows all activity listed in XXXX. The email for the award specifically says in fine print " Purchases posted to your account with a transaction date during the offer period are eligible for this offer ''. All of my transaction dates were within the promotion period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CT

Complaint narrative:
XXXX XXXXXXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I am writing to request clarification and further information under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, which defines key terms and requirements related to consumer credit reporting.

In accordance with the FCRA, I would like to understand the following points regarding the data and practices associated with my credit report : XXXXXXXX XXXX  is reporting inaccurate information on my credit report saying late payments is late when that is incorrect The late payment is showing different dates as inaccurate information on my report Please provide a detailed response to my request within the time frame allowed under the FCRA, or inform me of any further actions required to process my inquiry. I also request that you ensure my consumer rights are fully respected and that any erroneous or misleading information be corrected, as stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response

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 2025-02-20 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: TX

Complaint narrative:
I am writing to request clarification and further information under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, which defines key terms and requirements related to consumer credit reporting.

In accordance with the FCRA, I would like to understand the following points regarding the data and practices associated with my credit report : XXXXXXXX XXXX  is reporting inaccurate information on my credit report saying late payments is late when that is incorrect The late payment is showing different dates as inaccurate information on my report Please provide a detailed response to my request within the time frame allowed under the FCRA, or inform me of any further actions required to process my inquiry. I also request that you ensure my consumer rights are fully respected and that any erroneous or misleading information be corrected, as stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response

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 2025-02-20 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Incorrect account balances Wrong address Wrong employment status Hard inquiries from dealers and lenders

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of 15 U.S. Code 1681o Negligent Noncompliance Dear, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. I have reason to believe that [ Company Name ] has failed to comply with its obligations under the FCRA, resulting in harm to me. 

Details of the Violation : On XX/XX/year>, I reported id theft issue with XXXX XXXX 
Despite my request, failure to investigate a dispute, This failure to act in accordance with the FCRA has caused me harm, including [ describe harmfinancial loss, emotional distress, denied credit, higher interest rates, etc. ]. 

Under 15 U.S. Code 1681o, companies that negligently fail to comply with the FCRA are liable for actual damages sustained by the affected consumer, as well as the costs of legal action, including reasonable attorneys fees. 

To resolve this matter, I request that you [ state your demande.g., correct the inaccurate information, provide a written explanation, compensate for damages, etc. ] within [ reasonable timeframe, e.g., XXXX or XXXX  days ] of receiving this letter. If I do not receive an appropriate response within this timeframe, I will consider pursuing legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions or position on this matter. I appreciate your prompt attention and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of 15 U.S. Code 1681o Negligent Noncompliance Dear, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. I have reason to believe that [ Company Name ] has failed to comply with its obligations under the FCRA, resulting in harm to me. 

Details of the Violation : On XX/XX/year>, I reported id theft issue with XXXX XXXX 
Despite my request, failure to investigate a dispute, This failure to act in accordance with the FCRA has caused me harm, including [ describe harmfinancial loss, emotional distress, denied credit, higher interest rates, etc. ]. 

Under 15 U.S. Code 1681o, companies that negligently fail to comply with the FCRA are liable for actual damages sustained by the affected consumer, as well as the costs of legal action, including reasonable attorneys fees. 

To resolve this matter, I request that you [ state your demande.g., correct the inaccurate information, provide a written explanation, compensate for damages, etc. ] within [ reasonable timeframe, e.g., XXXX or XXXX  days ] of receiving this letter. If I do not receive an appropriate response within this timeframe, I will consider pursuing legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions or position on this matter. I appreciate your prompt attention and cooperation. 

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 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX, Funds where granted to me due to a loss of a parent. The court said I would have full access to the funds when I turned XXXX XXXX XXXX. In XXXX, I contacted the lawyer that dealt with the situation so I receive and access the funds. On XX/XX/XXXX, I had finally had a court hearing about my funds. The court granted me my funds. The lawyer and I went to the court 's cashiers office to retrieve my account information and the clerk said that there's no record of the funds ever being there, I was instructed to check with the bank who has the funds which is Chase Bank. I have called and went to different Chase Banks in person and they stated that there's no record of my funds. I called my lawyer about this issue multiple times until he stopped answering my phone calls. Later on, I acquired a deposit receipt of my funds with an account number. I continue to call and show up in person to Chase Banks and they all state that my account does not exist. I have the court order signed by the judge and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I have disputed several accounts put on my credit report from XXXX XXXX  and XXXX. After Experian claims to investigate these accounts they left the " INCORRECT ACCOUNT '' on my profile. They themselves have stated the accounts are incorrect. However they refuse to remove them.

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 2025-02-20 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: IL

Complaint narrative:
I have constantly reviewed my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request a thorough investigation into these issues and verify any following statements or documents showing me being late. If these are not provided Im asking to removed or update any late payments that is showing up.

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 2025-02-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the fair credit reporting LVNV Funding LLC accounts opened XX/XX/XXXX and XX/XX/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. I was also notified that all my information was in a data breach with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. 
I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: 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.

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 explanation
Consumer complaint received 2025-02-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MI

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. 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 2025-02-20 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: GA

Complaint narrative:
On XX/XX/2024, I lost my employment and immediately contacted the mortgage company to let them know and to apply for a forbearance. I was told by the loan XXXX they do not offer forbearance options and was told I can apply for a loan modification. The loan XXXX also informed that in order to qualify for a loan modification, I have to be 60 days past due on my payments. It is a requisite from the company but I can start the modification process. They also advised that the missing payments would be reported and I advised them that is unfair and an injustice. 

I was finally approved for the loan modification on XX/XX/2024 but they reported to all three credit bureaus those missing payments as late when I was forced not to make any payments while in the modification process and they do not offer forbearance options. This is an injustice committed and many homeowners will suffer the same issue due to situations that are not in our control.

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