vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I opened a personal account with Chase Bank and add it my access funs Investments and they close my account and said I never had a but I have pictures of me logging back in my account and it said Then I have to call customer service For my code to log back in and when I called them they said my account is not exist under my social security number that I gave them so I have to follow up and go into a Chase branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: KS

Complaint narrative:
I came across the CFPB Experian lawsuit.

I feel I like was negatively impacted by the lawsuit, feeling I have no chances with my credit. I normally, check my credit report and out of nowhere in my credit score dropped tremendously. The opened dates aren't accurate nor does the duration of the negative ideas on my report, and personal information doesn't match. Verify proof or delete from my credit report.

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 2025-02-17 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: KS

Complaint narrative:
I came across the CFPB Experian lawsuit.

I feel I like was negatively impacted by the lawsuit, feeling I have no chances with my credit. I normally, check my credit report and out of nowhere in my credit score dropped tremendously. The opened dates aren't accurate nor does the duration of the negative ideas on my report, and personal information doesn't match. Verify proof or delete from my credit report.

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Formal Request for Reinvestigation ATM Dispute with Citi ( # XXXX ) I am formally requesting a reinvestigation and regulatory intervention regarding my unresolved ATM dispute with Citibank, XXXX # XXXX. Citi has failed to conduct a proper and transparent investigation and has not provided any substantive evidence supporting their claim that my {$380.00} was not retained by their ATM. 

Key Issues with XXXX  Investigation : Failure to Provide ATM Balancing Records : Citi has refused to furnish ATM balancing records for the date and location of my transaction, which are critical in determining whether an overage existed in the machine. 
These records are industry-standard documentation used to confirm whether excess cash was present at the end of the business day. 
XXXX XXXX on Receipt Requirement : Citi has denied my claim solely based on the absence of a receipt, despite my repeated statements that the ATM failed to issue XXXX during the transaction. 
A receipt is not the only means of verifying an ATM malfunction or missing deposit. The bank has alternative verification methods, including machine logs, internal reports, and security footage. 
Failure to Review Security Footage and Transaction Logs : Citi has not demonstrated that they conducted a review of ATM security footage or internal machine logs, both of which would provide clear evidence regarding whether the machine retained my funds. 
It is standard practice for financial institutions to maintain ATM surveillance footage for a period of time and log all transaction errors within their internal banking systems. 
Requested Action from CFPB : Due to XXXX  failure to provide supporting documentation and their dismissal of critical evidence, I am formally requesting the CFPB to : Require Citi to provide ATM balancing records from the date of my transaction, proving whether an overage was present. 
Demand Citi produce internal ATM logs and security footage related to the disputed transaction. 
Hold Citi accountable for conducting a thorough and transparent investigation rather than relying on procedural denials. 
This case remains unresolved due to XXXX lack of due diligence and refusal to provide supporting documentation. I request the CFPBs intervention to ensure that Citi is held accountable for properly handling consumer disputes and adhering to banking industry standards. 

I appreciate your prompt attention to this matter. Please confirm receipt of this request and provide any next steps for review. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Recently, American Express canceled all of my credit cards and removed XXXX points from my XXXX  XXXX  XXXX, claiming that my account was linked to a company that filed for bankruptcy. 

While I did have a credit card associated with that company, I was never the owner, shareholder, or had any direct involvement in the business. However, Amex mistakenly treated my personal account as if I were part of this bankruptcy, which is not true and can be easily proven. 

I have never filed for personal bankruptcy and have always maintained a responsible credit history. Despite this, all of my cards were wrongfully canceled, significantly impacting my access to credit and the benefits I had accumulated over time. 

After contacting Amex customer support, I was able to reactivate XXXX personal card ( Amex XXXX ), but it remains under an active hold and I am unable to make purchases, indicating that my account has still not been fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
Dear XXXX, I am writing to formally request the immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX from my credit report. This address does not belong to me and is incorrect. I have no affiliation with this address and I insist that this information be removed promptly to ensure the accuracy of my credit report. 

As a consumer, I am entitled to have only accurate and up-to-date information reflected on my credit report. I urge you to adhere to the Fair Credit Reporting Act ( FCRA ) and any relevant regulations to ensure the accuracy and fairness of the information that is being reported. I expect you to follow protocol, investigate the dispute, and delete this incorrect address from my file without delay. 

Please send me written confirmation once this address has been removed. I trust that this issue will be resolved immediately, as I only want accurate information on my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
Dear XXXX, I am writing to formally request the immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX from my credit report. This address does not belong to me and is incorrect. I have no affiliation with this address and I insist that this information be removed promptly to ensure the accuracy of my credit report. 

As a consumer, I am entitled to have only accurate and up-to-date information reflected on my credit report. I urge you to adhere to the Fair Credit Reporting Act ( FCRA ) and any relevant regulations to ensure the accuracy and fairness of the information that is being reported. I expect you to follow protocol, investigate the dispute, and delete this incorrect address from my file without delay. 

Please send me written confirmation once this address has been removed. I trust that this issue will be resolved immediately, as I only want accurate information on my credit report. I would appreciate your prompt attention to this matter. 

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 2025-02-16 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: CA

Complaint narrative:
I asked how a debt was verified from a company called XXXX and have not received any information of the debt. Experian claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any 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 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IA

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. 
Account name : HUNTER WARFIELD INC # XXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently rviewed a copy of my credit report and noticed I had fraudulets accouts in my report.Pleace remove these accouts from my report they are hurting my ability to obtain credit. 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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute the XXXX XXXX  car loan, amounting to {$13000.00}, which has been erroneously attributed to my credit report. This account does not belong to me ; rather, it is associated with a family member. The misrepresentation of this account as negative has the potential to adversely affect my credit score, hindering my ability to secure financing for a vehicle in the near future.

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 2025-02-17 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX ], has violated my rights. I looked at my Equifax credit report XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

Experian has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to Experian executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.

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 2025-02-17 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: EGL US, LLC
State: AL

Complaint narrative:
XXXX and XXXX Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. It is my understanding that you may have failed to comply with the necessary standards of due diligence, thus violating the regulations in place to protect consumers. Specifically, I believe this failure may have been due to negligence in your agency 's procedures for verifying the accuracy of my data.

As such, I am requesting that you take immediate action to investigate this matter and correct the inaccuracies within 30 days of receipt of this letter, as required by 15 U.S.C. 1681i. Additionally, should your investigation reveal that this issue stems from negligence or non-compliance with the relevant FCRA requirements, I will be seeking appropriate civil remedies for any harm caused, including but not limited to damages and any legal fees incurred due to your failure to comply with your obligations under the FCRA. 

Please provide me with written confirmation of the results of your investigation and any actions you have taken to correct the dispute. If you are unable to verify the information or correct the inaccuracies, I request that you remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
I asked how a debt was verified from a company called XXXX and have not received any information of the debt. Experian claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: ProCollect, Inc.
State: CA

Complaint narrative:
I asked how a debt was verified from a company called ProCollect and have not received any information of the debt. XXXX claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any 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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The XXXX account statement with payment due on XX/XX/year> listed a 'current rewards balance ' of {$46.00} which states an available cash back to redeem. I used the rewards dollars {$46.00} as I mentioned in my original complaint and added that amount to the {$11000.00} for a total of {$11000.00} which was the pay the full current balance listed on the statement. I just realized that there was a difference of {$.00}. but the statement balance was {$11000.00} so I more than paid the that amount. 

I can not find that Comenity Capital Bank honored my cask back reward of {$46.00}. In Comenity 's response 'Per the Rewards and Benefits statement credits lower the account balance and doesn't count towards a minimum monthly payment. ' What does this mean?

There is no information in writing that indicates I could not redeem the rewards I had earned towards payment. I have done this with another account. My cash rewards balance of {$46.00} has disappeared completely. The XXXX statement shows a {$0.00} rewards balance. It appears that to prove that I did not pay the balance in full someone has deleted the cash back reward that I earned. Now. I have been charged a fee for {$30.00} in addition to the interest of {$150.00}. These people are punitive to take advantage of a senior citizen. I can provide all of my monthly statements showing the cash back reward as it increased every month for using the Comenity Capital Bank card. WHERE IS MY CASH BACK REWARD?? At least I was honorable in paying off my account. 

I would like to ask why my complaint was closed without allowing me to respond? Is it the policy to accept any statement that a company makes?

Company response to consumer: Closed with monetary relief