vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I have opened a claim for an Extended Warranty Coverage Protection for my Chase Sapphire Reserve Credit card ( ending with XXXX ) via chase.com and received Claim number XXXX. 

XXXX. They delay processing and keep demanding extra doc one at a time with 1 week delay every time. 
XXXX. They offer phone number to ask any question. Once I call, they transfer to other department which never answers the phone. By never, I mean ( a ) it has a lengthy XXXX  menu ( b ) the menu itself is misleading and confusing ( c ) they keeps returning to the higher level menu, endlessly asking to enter full XXXX digit credit card number ( d ) the phone call often gets disconnected. 
XXXX. The latest document they ask me is to send the Repair Estimate, but I already and previously stated that there does not exist a repair center in the US hence I can not get the repair estimate. They still disregard it and keep asking me the repair estimate, making my trapped and not receiving the promised benefits. 
XXXX. They don't answer the phone as a result I can not get further clarification on this matter. 

All of these is a deceptive practice not to honor the credit card benefit they have promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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:
I, XXXX XXXX, am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against Equifax Information Services XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The subject of my complaint involves inaccurate, unverifiable, and misleading information reported on my credit report, causing me financial harm and emotional distress. Despite multiple disputes sent to the credit reporting agencies, the inaccuracies remain unresolved. 

Details of Complaint : Accounts in Dispute : XXXX XXXX XXXX XXXX inaccurately reported as Charge off. 

XXXX XXXX inaccurately reported as Charge off. 



Nature of Dispute : No evidence exists of my agreement or consent for these accounts. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents.

Reporting based on incomplete or derivative records violates 15 U.S.C. 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. 

The credit reporting agencies have not demonstrated their delegation of authority to report " charge-offs '' when they have not properly verified the underlying information as accurate and complete. 

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Furthermore, charge-offs are classified as income per the IRS. Income, by definition, can not be reported as a debt or delinquency on consumer credit reports, creating additional inaccuracies in reporting. 

Certificated Security Claim : As the Certificated Security Holder of my estate, I assert the following : Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation. 

Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Attempts to Resolve : I sent dispute letters to the credit reporting agencies on XX/XX/year>. 

Each agency failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ). No corrective action was taken, and the inaccurate information remains on my report.

Harm Suffered : Financial harm, including credit denials and increased interest rates. 

Emotional distress and reputational damage due to the inaccurate information being disclosed to creditors. 

Defamation of character caused by the dissemination of false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Years ago I filed a XXXX  XXXX, but it was dismissed by the court. The information was removed about 2 or 3 years ago. I had 2 cars with a credit union, that I made payments in full ... with XXXX XXXX XXXX XXXX. In my credit report it say the 2 car loan was included in bankruptcy XXXX  XXXX it was dismissed by the court and my 2 car loans where paid in full. 

Now I had applied for diferent cards ... XXXX XXXX and XXXXXXXX XXXX XXXX 

I get denied because a bankruptcy shows in my Experian credit report agency ... which it has been more that 7 years. 
I call many times Experian and filed disputes many times,, and they would not removed the XXXX  XXXX dismissed bankruptcy of my report, and the XXXX car loans from XXXX XXXX XXXX XXXX that shows the car loans included in XXXX  XXXX, which i paid they in full.

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 2025-01-07 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-07 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-07 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:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX  XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX  XXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX  XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX  XXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Information was not clear enough when speaking with representative.

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 2025-01-07 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-07 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: CA

Complaint narrative:
In XXXX, I received around {$1500.00} in fees and interest charges for three " late payments. '' I strongly contest these late payments. I can prove, along with my bank, that an electronic payment was made and arrived on the " Payment Due Date '' indicated on my statement. I was told by people at American Express that even though my payments arrived on the due date, in those three instances ( but not others ), they didn't " clear '' until the following day and, therefore, were considered lateand I was charged both a late fee and interest charges. 

I make it my business ALWAYS to make my payment, in full, on the " Payment Due Date '' indicated on my statement ( as can be seen from all my past payments ). I don't see where I did anything wrong. I paid on the date AmEx told me it was due. 

In fact, of the eight people at AmEx I spoke to about this, two told me that I did " nothing wrong. '' When I asked, " Then why am I being penalized to the tune of around {$1500.00}? '' They couldn't answer. 

I also asked what I could have done differently and was told that I could set up auto-pay on the American Express site ( it's a bit late for that ), or I should send my payments in earlier than the " Due Date '' so that it has time to clear ( news to meif it is needed sooner, then why isn't the due date sooner? ). When asked how much earlier, I was told a variety of time frames : " 24 hours, '' " 24 to 48 hours, '' " 3 days, '' " 5 days, '' and " 7 - 10 days. '' All of this made me understand that no one, not even AmEx, knows the time it takes to clear it ( so why am I expected to know? ). And, again, it's too late at this point. 

Besides, if they needed my payment earlier because of some sort of clearance requirements, they should have made my due date earlier, and I would happily comply. 

Each of the eight people I have spoken to has told me that " there's nothing we can do. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, Experian, XXXX, and XXXX ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status. 

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA

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 2025-01-07 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation