vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: OR

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MD

Complaint narrative:
I've written to you informing you that certain information on my credit report is inaccurate, and I'm starting to get XXXX XXXX. I require access to the documentation used for each of the items on the previous dispute. 

The following accounts need to be updated or removed from my credit report because they are falsely being reported and some of them were unverified. They should also be removed from my credit report since they are reporting misleading information. 

XXXX XXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

I know under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information XXXX the consumer reporting agency shalli ) promptly delete the disputed information from the consumer 's file, or modify it as necessary based on the findings of the reinvestigation ; and ii ) promptly notify the furnisher of the disputed information that the information has been modified or deleted from the consumer 's file. This process applies to any reinvestigation under paragraph ( XXXX ) of disputed information in the event that an item of the information is found to be inaccurate, incomplete, or can not be verified. You have fifteen days to erase the accounts and/or information specified below, if you can't send me a copy of verified proof following your investigation. 



Send me a copy of my credit report reflecting these changes Ive requested.

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 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good Afternoon, Chase bank sent me a marketing email offering a {$900.00} promotional bonus for opening a checking and savings account and meeting certain requirements. Those requirements per the Chase terms and conditions were : **Have a direct deposit made from my employer to the checking account within 90 days of coupon enrollment **Deposit at least {$15000.00} within 30 days of coupon enrollment into the savings account **Maintain at least a {$15000.00} balance for 90 days from coupon enrollment in the savings account. 

Per their terms and conditions, after meeting these requirements my {$900.00} bonus was to be paid into my account within 15 days. 

I opened my accounts with Chase in late XXXX of XXXX. My bonus payment should have been made by mid XX/XX/XXXX. I contacted Chase on XX/XX/XXXX that I had not received my promo bonus for my new account signup. I was transferred to an escalations team who confirmed they had been having issues with coupon codes not being correctly applied. They then claimed they were having system issues and were unable to open a case internally to look into my issue. I tried back over the proceeding days and was told the same thing. Finally on XX/XX/XXXX, I spoke with an escalations supervisor who was able to create an internal case to look into why I had not received my bonus. They confirmed that my account met all of the conditions for the bonus and that they would be reaching out in 2-3 business days to let me know when to expect payment. I was never contacted. I reached out to Chase again on XX/XX/XXXX and spoke with XXXX, and escalations supervisor. She confirmed I met the qualifications but did not have a timeline on resolution. She said the research team was looking into it and would follow up in 2-3 business days. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke to supervisor XXXX who said she had marked the case as " urgent '' and that someone from the research team would be reaching out within 24 hours. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke with XXXX, an escalations supervisor and was told that the e-coupon department was now looking into it but he did not have a timeline on resolution. I informed XXXX that it had now been almost a month since I notified Chase of the issue and that was unacceptable. I informed XXXX that I would give Chase until XX/XX/XXXX before sending a letter of demand and then filing a small claims lawsuit for the bonus amount owed as well as forgone interest on the balance and damages. Still no timeline was given. 

I have the emails and printed terms and conditions of what Chase committed to pay me for opening new accounts. I have met all terms and conditions and multiple supervisors at Chase have also confirmed my accounts met their criteria to pay the bonus promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Hey Experian, To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify having permissible purpose of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : You can not furnish information unless you have my written permission.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you have documents containing my WRITTEN INSTRUCTIONS then show proof otherwise delete this information immediately.

Please send an updated copy of my credit report to me via the CFPB portal. According to the act 5 U.S.C. Sec. 1681i ( a ), there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 12 months.

Thank you for your time and help in 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Applied for home equity loan with XXXX XXXX XXXX XXXX and they are unable to proceed with application because the Equifax credit report will not pull up due to error message XXXX reported. I have not reported any fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
So my Home a Depot card had a {$0.00} balance and then I was charged close to {$6000.00} on an online purchase delivered in a Home Depot store iXXXX XXXX XXXX I am in XXXX and I do not know anybody there in XXXX. I had to call XXXX different times to citiBank Home Depot card to initiate an investigation and remove the charges. They told me will send me a letter after the dispute is cleared and not when the dispute is filed. They want you to pay the minimum fee even if the investigation is not completed, I guess you have to dispute the minimum payment charges later.

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 monetary relief
Consumer complaint received 2024-05-30 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: SC

Complaint narrative:
Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : XXXX. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX | XX/XX/year> : Account number : XXXX, XXXX | XX/XX/year> : Account number : N/A, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credova Holdings Inc
State: HI

Complaint narrative:
Back in XXXX I went in to lease a dog, not a rental unit. It went into collections but the company XXXX put it under as a rental in XXXX. I just found out this month of XXXX when I tried to apply for XXXX rental units in XXXX XXXX. Ive been denied to both units once on XX/XX/XXXX and once on XX/XX/XXXX, both naming the company Credova and that Ive been behind on rental payments. Ive tried submitting proof to both rental properties that it was for a puppy store, but they further told me Id have to dispute it. Ive since been in contact with Credova, who has then told me to contact XXXX XXXX their financial department, who has then told me to contact XXXX XXXX XXXX the third party company who bought out the account. Each party all stating its a regular collection. XXXX XXXX XXXX is the only company to provide a letter stating its a regular collections for a dog, and only XXXX of the XXXX bureaus XXXX accepted the letter. XXXX and XXXX has still denied it and still says rental. Weve tried making a complaint through them but both has denied us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I was contacted, via phone, by a person claiming to represent a religious charity. They asked for a donation via Western Union and I forwarded the money. I then found out they were not a real charity and it was a scam. The money has already been picked up by the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I initially was provided with a credit card through Bank of America. I transferred a balance from another higher interest card. After I did that Bank of America reduced my credit limit multiple times even though all payments were made timely through auto-withdrawal. One payment was delayed for a few days because I had to close a checking account and reopen another due to fraud. 

Every time they reduce the credit limit it negatively impacts my credit report and credit score. This should not be legal if a consumer has paid timely with no issue with the company. 

The company basically is providing misleading information. I have spoken to the company and they indicated that the only thing I could do was to request that my credit limit be increased back to what it was and they may or may not grant it.

I would ask that my credit limit be increased back to what was originally provided so that it does not negatively indicate my credit report by reducing my available credit. I feel that I was taken advantage of by utilizing bait and switch by providing a certain credit limit. I would not have switched companies if I had known they were going to do this and would subsequent negatively impact my 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 explanation
Consumer complaint received 2024-05-30 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: MD

Complaint narrative:
Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

Since I know that this letter will be sent through an automatic system you have, I will make it brief. You informed me that my disputes were " verified as accurate '' after I provided evidence of discrepancies in the form of FACTS that I directly obtained from my credit report. Given that I'm using the information from my credit record, how is this possible? I believe that after you receive my letters and enter them into the computer, the computer forwards them to the XXXX, and the creditor simply compares what you have. 

It will, of course, be confirmed when you compare your information to theirs! I am aware that you are required to conduct a separate inquiry to verify the accuracy of this information, but I need to see the actual process to make sure you have complied with FCRA laws. Both the paperwork utilized for this independent investigation and a fresh one based on the factual information provided below should be sent to me. 



Below are the following accounts that needs to be deleted or removed as it is being falsely reported on my credit report. 



XXXX XXXX : Account number : XXXX, Each bureau reports a different date of last activity and Repetitive CO marks on this report, remove this account for violation. 

XXXX XXXX XXXX : Account number : XXXX, How can there be late payments on this collection? and How can there be a past due on this collection? Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Please clarify the payment status, comments, balance and account number as they might be erroneous. Delete them from my credit report altogether. 



I ask that you take urgent action to comply with Section 611 ( 5 ) ( A ) of the FCRA, which requires you to " ... promptly DELETE all information which can not be verified. '' I want all of the aforementioned accounts deleted right away. Send me a copy of your most recent, revised credit report indicating the deletion of these items. 


Yours Truly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked on my report back on XX/XX/2024 and notice some things are incomplete and not accurate. 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. 

Thes account Names are XXXX XXXX XXXX  ACCT XXXX XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX XXXX ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/2024 to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )

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 2024-05-30 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: PA

Complaint narrative:
I looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. 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. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX bank ACCT XXXX Nations Direct ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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