vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
On XX/XX/XXXX I got an offer from American Express to open an American Express XXXX XXXX XXXX that would earn me XXXX bonus points when I spent {$20000.00}. I had a big purchase coming up, which would allow me to earn the XXXX so I applied for the welcome offer. After filling out my details, there was a pop up screen that informed me that I do not qualify for the XXXX bonus offer so I didnt proceed with the application because Im not going to open a credit card with a {$690.00} annual fee if I dont get a bonus offer. 

The next day, XX/XX/XXXX, I was once again researching credit cards to open and I was given an offer from American Express XXXX XXXX XXXX  that would earn me XXXX bonus points when I spent {$15000.00} ( in the offer attached it now says {$20000.00} ). This was a different and lower option than I was originally presented with so I thought I might qualify. Once again I filled out the initial inquiry and was told that I qualified for the XXXX bonus offer! I completed my application and received my credit card a few days later. As soon as I received my card I completed my big purchase of {$15000.00}. 

Normally on my account there would be a section that states that I completed {$15000.00} to qualify for my bonus offer, but I didnt see any mention of the bonus offer on my account. I called Amex and they said that I didnt qualify for the bonus offer. I told them that I definitely did qualify and I would have never opened this credit card if that was not the case. I submitted an appeal to their legal department on XX/XX/XXXX. I didnt hear back from them so I called Amex on XX/XX/XXXX and asked if they were able to add my bonus offer. The customer service representative said that I didnt qualify for the offer and received a pop-up saying I didnt qualify. I told her that I didnt qualify for the XXXX offer, but that I definitely qualified for the XXXX offer. 

They would not honor my offer so I called the vendor to try to cancel the {$15000.00} charge so that I could cancel my credit card, but they said they would have to charge me a {$450.00} processing fee to cancel it, which I obviously dont want to do. 

I am stuck in a tough position because I would have never opened this credit card if I wasnt qualified for the bonus offer of XXXX points. Ive spent several hours now calling Amex and various other places trying to get this worked out because it feels like American Express is trying to scam me. A business can not lure someone in with a bonus offer worth $ XXXX and then deny that offer once Ive already made {$15000.00} worth of purchases. It seems like a scam by American Express. Since I can no longer cancel the charges without paying a large fee, I would like my XXXX bonus offer that I was approved for to be honored and added to my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year>, at XXXX, I received a series of emails claiming I had successfully registered for a credit card through CapitalOne. I had not done so, and upon checking the aforementioned emails, I contacted CapitalOne directly. They stated that they would begin investigating and recommended I contact my local precinct regarding the situation. 

I contacted the Police Department regarding this and opened a Fraud case. I also opened a case with CapitalOne, to which they confirmed the case as a True Fraud case. Investigations are still commencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 - 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 Bankruptcy - 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 as proof from the US Federal Trade Commission that all 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 2025-02-26 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: NJ

Complaint narrative:
Final demand to Equifax and Transunion Remove unverified XXXX XXXXXXXX account or face lawsuit for FCRA violations 15 U.S.C 1681, 1681e and daily damages, defamation and financial harm 5 days to comply or legal action begins

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MD

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 2025-02-26 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: MD

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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-26 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2025-02-26 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:
On XX/XX/year>2025. I looked at my credit and noticed some inaccuracies. I sent a letter to Experian on XX/XX/year>2025 asking them to investigate these accounts XXXX XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

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 2025-02-26 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: NV

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that have adversely affected my creditworthiness. Upon reviewing my report, I have identified multiple erroneous entries, including incorrect pay dates, account numbers, and spelling of my first and last name. Additionally, there are inaccuracies related to my addresses and contact information. 

These discrepancies not only misrepresent my financial history but also hinder my ability to secure credit or loans. I take my financial responsibilities seriously, and it is imperative that my credit report reflects accurate and truthful information. 

I kindly request a thorough investigation into these errors and prompt corrections to ensure my credit report is accurate. I appreciate your immediate attention to this matter and look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit report. Despite my formal dispute letters sent via certified mail, these credit bureaus have failed to remove inaccurate or unverified accounts as required under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ]. 

The following accounts are inaccurately or improperly listed on my credit report : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX Extra Account Number : XXXX XXXX XXXXXX/XX/XXXX Account XXXX : XXXX XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Numbers : XXXX, XXXX XXXX XXXXXX/XX/XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX I formally requested that these credit bureaus provide verification of these accounts, including signed contractual agreements as required under FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ]. However, they have either failed to respond within the legally required timeframe or have not provided sufficient documentation to verify these debts.

Additionally, under FCRA 605B ( c ) ( 2 ) [ 15 U.S.C. 1681c-2 ], if an item can not be verified, it must be permanently deleted. These credit bureaus are violating federal law by continuing to report this information, causing me financial harm, including denied credit opportunities and negative impacts on my credit score.

Resolution Sought : I request that the CFPB take immediate action to enforce compliance with the FCRA and require Equifax, Experian, and TransUnion to : 1. Permanently delete the disputed accounts from my credit reports.

2. Provide written confirmation that these accounts have been removed.

3. Cease reporting any unverifiable or inaccurate information related to these accounts.

4. Investigate the credit bureaus failure to comply with federal law.

If these credit bureaus do not comply, I request that the CFPB take appropriate regulatory and legal action against them to prevent further consumer harm.

Please provide me with a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my 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 non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-26 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: AR

Complaint narrative:
Disputed collections, including a specific collection for XXXX XXXX XXXX, a specific collection for XXXX XXXX XXXX  XXXX  onto two accounts, and Collections with XXXXXXXX XXXX two accounts I provided proper documentation, including proof that they were inaccuracies on my credit report however, a proper re-investigation was not completed. I was also not provided proof by mail of this investigation.

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 2025-02-26 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief