vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: KS

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 2025-01-26 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: KS

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I filed an dispute with the Collections Agency XXXX XXXX XXXX. Upon later reviewing my credit profile with the different credit bureaus, first I noticed that the XXXX Account only reflects the account being as closed on my XXXX report, but my XXXX and Equifax report does not reflect that this account was closed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough 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 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough 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 2025-01-26 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

ACCOUNT- XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX ( XXXX ) XXXX {$26000.00} balance from XX/XX/XXXX Account closed XX/XX/XXXX 2023

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 2025-01-26 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: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
The Fair Credit Reporting Act allows a seven-year criminal background check for any position that pays under {$75000.00}. However, if the job opportunity pays more than {$75000.00} annually, employers can check the applicant 's criminal record as far back as 18 years of age. 

CRA disclosed info more than 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Complaint Regarding Equifax Data Breach and Consumer Protection Dear Sir/Madam, I am writing to file a formal complaint regarding the Equifax data breach that occurred. As a result of this breach, my personal and financial information was compromised, leading to significant concerns about the security of my data and the potential for identity theft and fraud. 

Specifically, I am concerned about the following issues related to the breach : Inadequate Notification : I was not promptly or adequately informed by Equifax about the breach or the steps I should take to protect myself and my credit information. 

Failure to Provide Adequate Monitoring/Protection : Equifax has offered services such as credit monitoring, but [ mention any issues with the services offered, if applicable, such as delays in activation, lack of coverage, or any challenges in receiving support ]. 

Ongoing Impact : The breach has led to LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase Bank customer for several years, maintaining a good payment history and no prior issues. However, Chase recently closed my checking account without any prior notice or warning, which caused significant disruptions to my finances. My paycheck, which had already been deposited into the account, was returned to my employer. Due to this, I now have to wait weeks for my employer to reissue the funds, making it impossible to pay my bills on time. 

In addition, I was enrolled in a Chase promotional offer that promised a {$300.00} bonus for setting up direct deposit. I met the requirements, but Chase is now refusing to honor the promotion, claiming the account was closed. This is unacceptable because I was never informed of any inactivity policy or timeline that would lead to the accounts closure. Chase failed to communicate any warning or notification that could have allowed me to address the situation proactively. 

When I contacted Chases customer service and spoke with Supervisor XXXX XXXX, I received extremely poor service. Despite my repeated questions, the supervisor admitted there was no record of any notice being sent to me about the account closure. Furthermore, there was no willingness to resolve the issue or provide alternative solutions. I was essentially told that nothing could be done to reopen the account or to assist with the financial hardship Chase caused by their negligence. 

I have a recorded phone conversation where the supervisor confirmed : 1. There is no record of a notice being sent to inform me of the account closure. 
2. Chase will not honor the {$300.00} promotion despite my direct deposit meeting the qualifications. 
3. Chase will not assist in expediting the reissuance of my paycheck or provide compensation for the delay. 

The customer service experience was dismissive and unhelpful, leaving me to deal with the fallout of their actions alone. This lack of accountability and disregard for a loyal customer is unacceptable. 

Why This Matters : Chase Banks actions have caused me financial and emotional stress. Their failure to communicate basic account information, their refusal to take responsibility, and their poor customer service highlight serious issues in their operational and customer service standards. The lack of notice and dismissal of my concerns reflect negligence that needs to be addressed at a regulatory level to ensure this does not happen to other customers. 

Attachments : I am prepared to provide : 1. A recording of the phone conversation with Supervisor XXXX XXXX, where Chases failures were admitted. 
2. Documentation of the promotional offer terms and evidence that I met the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
I am an Amex Platinum cardholder and one of the benefits is a {$200.00} annual statement credit for a one-night stay at a qualifying XXXX XXXX XXXX XXXX property. The booking must made through Amex Travel and be prepaid. On XX/XX/year>, I made a prepaid booking through Amex Travel at a XXXX XXXX XXXX XXXX property. Upon completing my stay, I waited 90 days and inquired as to why I had not received the credit. I have spend hours on the phone and in chats with customer service looking for an explanation and or resolution. To date, a satisfactory explanation has not been given. I was even provided a false customer service email address from an individual at Amex Travel when I asked if there was an email address I could send further information to and escalate the issue. There is no Amex customer service email address for the US. 

I have read the terms and conditions multiple times and there is nothing that would exclude my booking from receiving the credit. 

Attached are the program terms and conditions, my receipt verifying I booked through Amex Travel, and my receipt from the hotel showing a prepaid deposit transfer credit which proves prepayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
These inquires on my Transunion Credit Report is not mine and its an attempt to do fraud in my name. 
XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX  ( Construction ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX  ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> 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 2025-01-26 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



Bank XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
Company stated that there system deleted my guest approved auto loan application that was approved by XXXX XXXX. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXX system auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those 3 hard credo pulls within 24 hours deleted from 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 explanation
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
Company stated that there system deleted my guest approved auto loan application that was approved by XXXX XXXX. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXX system auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those XXXX hard credo pulls within XXXX hours deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: OR

Complaint narrative:
I have filed disputes with XXXX for all fraudulent charges but need to for transunion and experian as well. My information was stolen and my credit has been wrecked. 
FTC REPORT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: OR

Complaint narrative:
I have filed disputes with XXXX for all fraudulent charges but need to for transunion and experian as well. My information was stolen and my credit has been wrecked. 
FTC REPORT 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Last year I had received a copy of my consumer report with Experian. I was denied credit and an apartment due to the items being reported. I called Experian to dispute several items. The items I disputed were never changed or improved or proven if investigated. I then learned that I was a victim who had rights to fair credit reporting. I submitted my first request to Experian to block adverse items of information on my consumer report pursuant to FCRA Section 605C and the Debt Bondage Repair Act on XXXX XXXX. 
Experian failed to follow the required procedures as outlined in the FCRA and their written policies. Experian failed to conduct reasonable disputes with the intent to follow procedures to meet the immediate need of survivors who need access to credit or consumer financial products and services for housing and employment. 
Experian did not comply with record keeping requirements to monitor compliance. 
Experian did not respond to my submission within the four-business-day period required by law.

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 2025-01-26 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:
I Recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on the report. please remove these accounts from my credit report, they are hurting my ability to obtain credit

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 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: IL

Complaint narrative:
Company XXXX XXXX Opened XX/XX/year> Amount XXXX Asked for proof of debt When asking they wouldnt send me information but keep demanding a payment one agent threatening me by saying I will go jail if I dont pay but they wont send me the information I asked for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
XXXX has not looked at my dispute I send in disputes and there resolved in XXXX day and its supposed to take XXXX  days I ask for proper action no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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