vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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, Equifax '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.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
THE COMPANY ARE LISTED BELOW XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX, I purchased a coat from a XXXX XXXX and paid in full using my eligible American Express card. The coat was shipped to me in XXXX, IL, and the seller provided a U.S. return address in XXXX, NY. After the item did not work out, I attempted to return it in accordance with the Return Protection benefit. 

I submitted a Return Protection claim through AMEX Assurance Company. On XX/XX/XXXX, AMEX denied the claim, citing that the seller is registered as an international business and therefore the purchase did not qualify. I requested a reconsideration and submitted additional documentation showing that the purchase occurred entirely within the United States : the item was delivered domestically, the return address was within the U.S., and the seller appears to have U.S.-based staff. Despite this, AMEX again denied the claim in a XX/XX/XXXX, and XXXX, XXXX, letters, solely on the basis of the sellers international registration status. 

I reviewed the Return Protection policy carefully. It does not state that a sellers registration determines eligibility. It only requires that the purchase be made within the United States, which it was. AMEXs refusal is based on an arbitrary interpretation that is not supported by the written policy terms. I asked AMEX to cite specific language that disqualified my claim, and they did not. 

I am seeking regulatory review of AMEX Assurance Companys handling of this claim, as they are refusing to honor a clearly eligible Return Protection benefit based on criteria not found in their policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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
Consumer complaint received 2025-03-24 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  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX i called capital one bank to report a fraud .And capital one was very negligence towards me. Did not clarify why I wasn't given my provisional credit of {$1000.00}. The transaction was by a unknown company called XXXX XXXX XXXX XXXX. XXXX XXXX  for the amount of {$370.00}, XXXX XXXX  for amount of XXXX XXXX, and XX/XX/XXXX for amount of {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/year>XXXX  and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 6 late payments. On my XXXX report there are 4 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this accoun

t, or delete the negative information in this account. 15 U.S. Code 14 15 U.S. Code 16.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 6 late payments. On my XXXX report there are 4 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. Code 14 15 U.S. Code 16.

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 2025-03-24 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: CA

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

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 : 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 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 non-monetary relief
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I discovered someone had opened a fraudulent credit card in my name. 
On XX/XX/year>XXXX  I proceeded to contact the financial institution that issued the card, as well as the 3 major credit bureaus, to report the fraud. Due to extended wait times by phone while trying to contact Experian, I decided to try to create an account on their website. While trying to create a login via the Experian website, I found that an account using my name, social security number, and birthdate already existed. I tried to retrieve my password thinking I must have started one and forgot about it. While trying to reset the password I found the email and mailing address used on the account is fraudulent, and matches the information used to create the fraudulent credit card account. I was eventially able to talk to the fraud department at Experian. They were able to start a credit Freeze, and confirmed that the email address, mailing address, and phone number tied to my online Experian account was fraudulent. However, they were not able to reset the account or block anyone else from accessing it. The fraud department transferred me to membership services where I was on hold for 4 hours. I tried to call several other numbers listed on Experian 's website, no one answers. I have been on hold with Experian the entire 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 2025-03-25 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
Having received XX/XX/XXXX email solicitation - " EXCLUSIVE LIMITED-TIME OFFER '' to " open a checking account from Morgan Stanley Private Bank '' advertised as " a special {$250.00} bonus is waiting for you '', I responded and opened " new checking account '' on XX/XX/XXXX, the confirmation " Your new checking account is enrolled in a cash promotion '' was received the same date. 
The confirmation spelled out Teaser Terms of the Promotion : " Here is how to get your {$250.00} cash bonus : Set up direct deposit, each of {$1000.00} or more. Learn how at etrade.com/directdeposit.

Ensure you receive two qualifying direct deposits within the next 90 days.

Get rewarded with a {$250.00} bonus deposit into your new account. Pretty nice, eh? 
Get started now as it may take 1-2 pay cycles for the change to go into effect '', along with " OFFER ELIGIBILITY AND LIMITATIONS : '' " To take advantage of this offer, you must be the original recipient of the offer email from Morgan Stanley Private Bank '' , The confirmation also contained the language of " OFFER RULES FOR ALL PARTICIPANTS : '' which allowed Morgan Stanley Private Bank to interpret the Terms and negate the Requirements : " We reserve the right, in accordance with applicable laws, to rescind or decline award payment for reasons that we, in our discretion, deem to be abusive, excessive or suspicious, including suspected fraud, account abuse, or if suspicious activities are observed. '' There was no hint, of what kind of activities within " '' open a checking account '' and " Set up direct deposit, each of {$1000.00} or more... Pretty nice, eh? '' may constitute abuse, fraud or excess.

The Requirements were met, Morgan Stanley Private Bank doesn't deny that. 
However, the Bank stipulates that " Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus. '' The verbal explanation provided by Morgan Stanley Private Bank Customer Service Representative implies that the Bank 's definition of " suspicious activities '' includes the very basic and common banking practice of maintaining balances on linked Morgan Stanley Private Bank Savings account.

The verbal interpretation of " the offer requirements to qualify for the cash bonus. '' was arbitrary expanded into the Requirement to maintain Direct Deposits Received on Checking Account for 90 days! and the fact that funds Directly Deposited to Morgan Stanley Private Bank Checking Account are transferred and maintained on Morgan Stanley Private Bank Savings Account may be deemed as disqualifying factor of Morgan Stanley Private Bank 's " a new checking account '' Offer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent Account on Credit Report Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute an account that has been fraudulently opened in my name and is currently appearing on my Experian credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Balance : {$530.00} Original Creditor : XXXX XXXX Date Opened : XX/XX/year> I did not open this account, authorize its creation, or conduct any transactions associated with it. I believe I am a victim of identity theft, and this account is not mine. I request that this fraudulent account be removed from my credit report immediately. 

Thank you for your time and assistance in resolving this issue. Please contact me at your earliest convenience if any further information is needed.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX is reporting a vehicle accident to my insurance company XXXX. I was not in an accident in XXXX. I have never been in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from Credit Collection Services stating I owe a bill from XXXX. I spoke with a guy by the name of XXXX on XX/XX/year> @ XXXXXXXX XXXX I am recorded the phone call as well. I disputed the balance and he refused the dispute balance with XXXX. Per the letter I received from Credit Collection Services dated XX/XX/year>XXXX  states I have until XX/XX/year>XXXX  to dispute debt via phone or online. I tried to dispute and they refused to dispute the debt for me. XXXX and Credit Collection Services violated my rights as a consumer and I will be taking legal actions against this company. If this company report anything on my credit file I will sue and that's a promise. Credit Collection Services and reach out to XXXX and have XXXX call XXXX and they will let them know I had active coverage with XXXX. I am not doing XXXX 's work. I am disputing this debt and I would like for Credit Collection Services to send proof of ownership for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Creditor Account : DEPT OF EDUCATIONXXXX, {$53000.00} Account Number : XXXX Creditor Account : XXXX  XXXX {$4200.00} Account Number : XXXX Creditor Account : XXXX XXXX XXXX Account XXXX : XXXX Creditor Account : XXXX XXXX  Account Number : XXXX creditor account : XXXX XXXX ; {$3800.00} creditor account : XXXX XXXX {$1300.00} Reason for dispute : Late Payment/ Negative Status/Closed Account : The account reflects a late payment that I dispute. I believe this late payment should be removed from the account as it is in violation of 15 U.S. Code 1681a and 15 U.S. Code 1666. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, you are required to provide validation of the information reported. If you do not have appropriate documentation to substantiate the late payment, I request that this be removed from my credit report. 
Additionally, I would like a copy of all supporting proof within 30 days, including the original contract or agreement that reflects my obligation, as well as phone conversation records in relation to any discussions of my unemployment and XXXX, as these factors affected my ability to make timely payments. 
This inaccurate listing is negatively affecting my credit score and, by extension, my ability to secure loans or financial opportunities. As such, I ask that you investigate and correct the report accordingly. 
I look forward to hearing from you regarding this matter. Please forward a copy of my updated credit report to my address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is incredibly disheartening to experience the violation of my consumer rights. Like anyone else, I deeply value my credit score, yet the inaccuracies on my credit report have severely impacted my financial opportunities and taken a toll on my mental health. Despite my repeated efforts to resolve these issues, my concerns have been consistently ignored or dismissed. This situation has caused significant frustration and stress.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief