vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
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 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 — Investigation took more than 30 days
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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I first received a letter from XXXX XXXX to notify me that there was possibility of an an identification theft and to call if I did not apply for a credit card. 
XX/XX/XXXX, XXXX Ran an annual credit report and noticed that there was several credit check attempts from different banks that I had not made. 
XX/XX/XXXX, XXXX and set fraud alerts with the XXXX credit bureaus. 
XX/XX/XXXX, XXXX Received a credit card from Truist Bank ready to activate, which I never applied. 
XX/XX/XXXX, XXXX-Visited Truist Bank to confirm of an existing credit card application and they confirmed. Office XXXX there said he would have a XXXX call me because he was knew to that. He only provide a phone number on application that was not mine and an email that was not mine.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I participated in a Chase promotion offering a {$900.00} bonus for opening a checking and savings account. To qualify for the savings bonus, I needed to deposit {$15000.00} in new money and maintain it for 90 days. I transferred {$5600.00} from XXXX XXXX and the remaining amount via online transfer from XXXX. However, Chase is refusing to honor the promotion, claiming the transfer does not count as a depositeven though it was new money from an external account. Nowhere in the terms does it state that a deposit must be made in person to qualify. I think this is incredibly misleading. 

https : //account.chase.com/consumer/banking/checkingandsavingsoffer

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Open : XX/XX/XXXX Balance $ XXXX Collection XXXX  XXXX ( Original Creditor : ) Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection Inquiry included in dispute : XXXX XXXX XX/XX/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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is attempting to collect on a debt that expired on XX/XX/year>. They continue to verify this debt whenever I dispute it on my XXXX credit report. They have reposted this on my credit report without any notification as well. I've included my credit report for evidence. 

Please Delete Collection Account : NATIONAL CREDIT SYSTEMS XXXX. Because it was scheduled to be removed from my credit file in XX/XX/year>. 
Dear ( NATIONAL CREDIT SYSTEMS ) : This letter is in response to your letter verifying my debt on XXXX ( copy enclosed ) or concerning the collection of the above referenced ( NATIONAL CREDIT SYSTEMS XXXX ). 
I do not believe I owe this debt and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Ace ( FDCPA ) and Arkansas state laws. Therefore, I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Arkansas has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. 
Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. 
XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX XXXX XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$650.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.

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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I called capital one credit XXXX to close the credit account that was opened under my name on XXXX XXXX 2025 and they closed it but they have not sent me confirmation that it was closed. I have placed a freeze on my credit and need this hard inquire off of my credit as that I am building a house soon and need this taken care of.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX  XXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Experian, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Experian failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX  Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-02-20 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: PA

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 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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 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: 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 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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for a credit card offer for XXXX, only to receive another offer for XXXX points immediately after. Naturally, I reached out to customer service, and they assured me they would escalate the issue and resolve it. They didnt. 

I followed up multiple times, speaking with different representatives, and was ultimately told that the company runs multiple promotions simultaneously. This practice is not just unfairits deceptive. Customers should not have to miss out on nearly double the rewards just because they werent shown the best available offer at the time of application. 

This needs to be addressed. A company that values its customers should stand by fairness and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
This complaint ID # is : XXXX. On the XXXX of XX/XX/year> I was notified via text of transactions posted to my account that were not mine. Upon calling the company, my card was inactivated and a dispute was filed. On XXXX XX/XX/year> I received an email about one of the disputes that the charge of {$150.00} ( XXXX # XXXX in XXXX, NC ) was resolved not in my favor and that no error had occurred. In addition it was stated that the charge was authorized and completed and that they are unable to pursue any recovery and that I was responsible for the charge. It should be noted that Celtic Bank XXXX XXXX XXXX XXXX Continental Finance ) was of no help when I called to inquire and that the " Back Office '' who handles this does not take any calls. When I asked for a supervisor this was basically denied stating there was nothing they could do. It should be noted, that on the XXXX there were unauthorized transactions in North Carolina, XXXX, and XXXX XXXX. I reside in NY, the card was in my possession, and no one was authorized to use this account. Common sense would suggest that it was impossible for me to have used the card in that many places in one day.

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: Exeter Finance, LLC.
State: NV

Complaint narrative:
I did not give permission for my information to be passed around, fraud! I want them to stop reporting negative items on my account. These accounts are closed and written off. Using code 15 U.S.C 1681

Company response to consumer: Closed with explanation