vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a Chase Marriott Bonvoy Boundless Credit Card. The original account opening bonus was XXXX Marriott points after spending {$5000.00} in 3 months. I was planning to use the points during this XXXX. Later, I saw a new account opening bonus of 5 free nights after spending {$5000.00}. So, on XX/XX/XXXX, I called the card customer service to match my account opening offer to XXXX free nights. The customer service agent promised me that my bonus would be changed to XXXX free nights after I spend {$5000.00}, and it will be posted on the billing date, which is XX/XX/XXXX. 

However, on XX/XX/XXXX, the old bonus of XXXX points was posted on my Marriott account. I called the customer service several times to resolve this issue, and they asked me to wait. So I waited and didn't use the points that was planed to be used during the XXXX trip. 

On XX/XX/XXXX, I finally received a letter saying they could not fulfill their promise. So I contact the chase executive office with email. On XX/XX/XXXX, I got a phone call saying after their investigation, they did find that the customer agent promised me XXXX free nights, but it was an error on their side. And they still won't fulfill their promise. 

It is unacceptable and frustrating to me that after the wait and promise, they still did nothing to resolve this issue. If they refused the matching initially, I would have used the points during this XXXX, which is fair. However, they made a promise and I waited and didn't use the points, there should be some compensation at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My information has been exposed in a data breach I do not recognize the items on my credit. Furthermore, I need some action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account with XXXX XXXXXXXX, number XXXX, contains inaccurate information, as well as a potentially fraudulent account that has been investigated multiple times with the company. We have reached out through multiple channels and have received evidence of a letter employing an investigatory method that lacks professionalism and is deficient in legally recognized investigative procedures. Despite these investigations, the company has failed to provide a resolution system. This issue has been ongoing for several months, with repeated investigations and reinvestigations, yet the company consistently fails to properly address the issue or provide clear information. This situation constitutes a violation of all consumer protection laws and my rights as a consumer. I will compile all documentation from every investigation conducted with the company and other institutions involved, and send it to the company, the CFPB, and other relevant institutions. None of the involved parties have provided a precise or clear resolution. Additionally, this account has been removed from my report several times, only to be re-reported later. This constitutes a serious violation of consumer protection laws. I demand that the account be permanently deleted and that no further violations occur. This ongoing issue is damaging my credit and undermining my ability to receive fair treatment within the banking system. Please take immediate action to delete this account from my report and resolve this matter fully.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I brought this problem to your attention multiple times and provided verification of my identity.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX  Customer Service XXXX XXXX XXXX hope this letter finds you well. I am writing regarding my account with you, XXXX ( Credit Card ending in XXXX ), and late payments that occurred in XX/XX/2024 and XX/XX/2024. 

First, I would like to express my gratitude for the excellent service I have received from XXXX XXXX and XXXX XXXX over the years. I greatly value my relationship with your institution and the financial opportunities you provide. I understand the importance of maintaining a consistent payment history, and I take full responsibility for these oversights. 

The late payments were isolated incidents caused by unexpected financial difficulties and family emergency. Since then, I have taken steps to ensure all subsequent payments have been made on time, and my account has remained in good standing. 

In light of my positive payment history and commitment to responsibly managing my account, I kindly request your goodwill in removing these late payments from my credit report. This adjustment would not only help improve my credit profile but would also reinforce my loyalty and trust in your institution. 

I appreciate your consideration of this request and would be happy to provide any additional information or documentation you may require. Please feel free to contact me at XXXX XXXX or XXXX, if you need further clarification. 

Thank you for taking the time to review my request. I look forward to your response and hope to continue our positive relationship for many years to come. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: WA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 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: WA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My wallet was stolen at work on XX/XX/XXXX around XXXX. I got a text notification from my credit card company that over {$3000.00} was charged at XXXX XXXX by XXXX. I quickly froze my credit card ( XXXX ) and then checked by debit cards which are through another bank ( USAA ). I found one additional charge at XXXX at the same time for {$180.00} that I did not make. I called USAA to report this as fraud because my wallet/cards were stolen and to close those cards. I then made a police report through the sheriff office on XX/XX/XXXX. By XX/XX/XXXX, I was told by my workplace that I had to make a new police report through the XXXX which I did. I then called USAA on XX/XX/XXXX in the early afternoon to give them the XXXX case report number and that I would upload the police report when I got it. By XXXX on XX/XX/XXXX I got an email from USAA XXXX they were closing my claim and deeming it not fraud. I called them the next day to inquire why and was told it was because the chip in my card was used and that I did not report it stolen. They did confirm that they have record of me calling on XX/XX/XXXX to close my cards because they were stolen and that they had the police report number. Despite this, they are claiming that I did not report it stolen so the charge is not fraudulent, and I still owe it. I am trying to reopen it the claim now that I have the full police report ( it took a couple weeks due to the holidays and it being an active investigation ), but I was told they would put in a message, and someone would review it within XXXX to see if they would even consider reopening it. I also want to note, that I am not the only person whose wallet was stolen that day at my workplace. XXXX other people 's wallets were also stolen by the same woman witnesses saw and they have on video tape at XXXX XXXX. If needed, I can see about obtaining that footage from the police as well because she is described as a larger XXXX woman and I am a smaller white woman as further proof that this is actually fraud.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I ahve an account XXXX with XXXX Bank who purchased my mortage from another XXXX inherited all payment terms and agreements from my original lender, including the condition to remove PMI once I reached the 20 % equity threshold in the home value or mortgage loan limit. which was not the case here as XXXX bank used his own terms and which was not agreed with my previous lender, additionally, XXXX Bank continued to charge me PMI and should refund these charges, as per the agreement with my initial lender when I closed on my home in XX/XX/XXXX. 

I reviewed my account and it appears that I have been overcharged by at least {$860.00} due to excess PMI charges. I reached the 20 % share threshold back in XX/XX/XXXX, but PMI continued to be charged after that. Despite sending a written request in XXXX, I was still charged for PMI in XX/XX/XXXX. 

i tried to communicate with XXXX bank and requesting a refund, as this overcharge was clearly not legitimate and funds were withdrawn from my account without my consent but they declined tosend any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Lexington law will only do certain small little concerns to remove off your credit not nothing else that was big and those was the ones calling as the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Self Financial Inc.
State: FL

Complaint narrative:
information reporting to credit bureaus isnt mine and id like to have information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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