vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I signed up for the XXXX XXXX XXXX XXXX XXXX  online at XXXX XXXX XXXX 

On the website, it clearly states that if I spent {$500.00}, I would get {$75.00} statement credit and this could be repeated 3 times, e.g. I would get {$220.00} statement credit if I spent {$1500.00}. 

On the web archive version of the site XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you can clearly see that the promotion period is from XX/XX/XXXX - XX/XX/XXXX and they have since extended it to XX/XX/XXXX. 

I have since spent over {$1500.00} on the credit card and haven't received any statement credit. I reached out to the support via secured message online and was told I need to call XXXX. I called the phone number and was told they don't know anything about the promotion and was asked to call Sears at XXXX or XXXX. I called Sears and was told they can't do the statement credit and I have to call the credit card company back. Basically I am getting a run around and no one knows how to give me the statement credit. 

In fact, I learned about this promotion on the deals website " Doctor of Credit ''. As you looked through the comment section, you will see that I am not the only customer who are short-changed of the {$220.00} promotions. Several other individuals also complained they didn't received the promotion. Please see the link below : XXXX XXXX XXXXXXXX I would appreciate if someone from your team can help me resolve this issue. The only reason I applied for this card initially was to get the promotion and now I feel like I am being scammed into something I don't want. Thank you for your help!

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, doing business as Home Depot/Citibank placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. 

I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. 

Home Depot/Citibank may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. 

I requested Home Depot/Citibank immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.

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 2023-09-26 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: MD

Complaint narrative:
Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life

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 2023-09-26 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: MD

Complaint narrative:
Under further investigation the credit agencies have decided to ignore the unlawful reporting and misuse/abuse of my consumer report, it is the responsibility of the credit agencies to verify the information in my complaints and remove these violations 15 usc 1681i ; the consumer report does NOT include the transactions/experiences between the consumer and the creditor 15 usc 1681a ; this information is being included with the intent to abuse/misuse my consumer report in the hopes of further damaging my finances and limiting my ability to a natural way of life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I am a victim of fraud / theft. Also, This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate invalidated credit information. Im not liable for this debt with XXXX. I do not have a contract with a collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was suppose to be the co-signer but they had me sign on the line as buyer,, which I should have looked at closer but I just signed where they had the little tabs marked. After I signed I was told I could leave and the ones buying the car were to stay. The car was repossessed and I found out afterwards I was the buyer so it messed up my credit. The other people werent told to sign anything but were given the keys and left. I didnt fill out an application but someone there did saying I make over {$46000.00} a yr. Which I dont. I only get {$590.00} a month social security. When I asked for a copy of the contract, I got it then about a week later I received a letter offering to buy the car back,, which I never had,, never even been in the vehicle.So it was a straw purchase using my credit score and someone elses income .Iwas lead to believe I was the co-signer and signed where I was told. Now its messed up my credit and were trying to get things done on our house but cant because of this. The vehicle was bought from XXXX XXXX in XXXX Texas and financed through Chrysler.I need this cleared up asap but all they say is well you signed the papers! If they would have been honest I would have never signed those papers. The vehicle was repossessed and sold in the XXXX area but theyre still showing I owe almost {$15000.00} on it. Please help me. I tried the XXXX and they suggested going through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.

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 2023-09-26 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: FL

Complaint narrative:
You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605b XXXX XXXX XXXX XXXX XXXXXXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.

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 2023-09-26 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:
You guys are reporting a fraudulent item on my credit report. Not only is against federal law, per foray section 605bXX/XX/XXXXacct XXXX is direct fraudulent Police report id affidavit along with the copy of law and two forms of identification are attached you are also breaking hippa laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NV

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I was contacted by a wrong number and eventually got dragged into conversation with this lady, at some point we moved our conversation to XXXX were she introduced me to a crypto trading platform called XXXX. This was a clone company so I could not know that these were fraudsters. For some time, I was trading with some success, but at some point, their support service told me that I must pay certain tax or I will face penalties on a daily basis. I was scared and I had to take loan due to the fact that there was no way for me to earn that much money. XXXX, who was initial contact reassured me that this is normal procedure with trading platforms and I fell for it. I ended up losing XXXX USD which was my entire life savings Funds were transferred from my Ally Bank account, I have approached them with an ADR and they closed my account and took all money out and sent it to me via mailing address. 
I have accused hem of breaching CDD measures and asked for chargeback, or reimbursement and this is what they did, I am so disappointed. 
They sent me a written explanation on my request few days after they closed my accounts. 

Excuse was that my account was involved in suspicious activity, but they said this only after I approached with ADR letter.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested to have this account validation of an alleged debt from Bank of America, they : failed to update consumer reporting agencies that the account was being disputed failed to provide proper disclosure and notices required by law violated the FCRA by failing to follow reasonable procedures to ensure maximum possible accuracy when preparing credit reports concerning me as a consumer used instrumentalities of XXXX XXXX via the mails in a business purpose in the collection of debts, and/or regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another failed to provide initial and/or subsequent correspondence that an attempt to collect a debt as prescribed in the Fair Debt Collection Practices Act failed to provide the adequate disclosures required under the Truth in Lending Act. 
required Plaintiff to include charges of a type payable in a comparable cash transaction for the finance charge which is a violation of 15 USC 1605 failed to provide the Plaintiffs right to rescind which is a violation 15 USC 1635 failed to provide the Plaintiff with the right to have insurance included in the finance charge and that is a violation of 15 USC 1605 failed to provide the name and address of the original creditor ; verification of the alleged debt which is a violation of 15 USC 1692g ( b ).

failed to provide proper validation of the alleged debt used false and misleading debt collection practices by failing to communicate that this alleged debt is disputed which is a violation of 15 USC 1692e ( 8 ).

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 2023-09-26 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: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit 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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax never sent me my investigation results on a dispute I had made on XX/XX/2023 regarding a charge off from XXXX. Throughout these months Ive been calling to get the investigation results mailed to me and an agent says that they will mail it but I still have yet to receive it. Equifax was supposed to send the investigation results 5 days after the completion of the investigation which was on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed numerous complaints against Wells Fargo Auto Finance, and they continue to send me the same stack of information that I allegedly signed. However, the one document that I do not have in the sales paperwork ( which XXXX XXXX XXXX took one full month to get to me and I have the text messages to prove it ) is the Loan Application. 

The salesmen filled in the amounts of my income, and I looked at it, then I refused to sign it ( as it had false information regarding my income ). When I got back from the XXXX XXXX, I wanted my car keys back, the salesmen said they 'bought out my car ', without my permission, and said that the loan went through. I couldn`t see how it would pass through Wells Fargo Auto in such an easy way. 

Wells Fargo Auto Finance never asked for 3-6 months of back bank statements to show that I indeed made this amount of money. I also did not work for XXXX XXXX XXXX for XXXX years, and that was on the Loan Application as well. I started working to XXXX XXXX XXXX on XX/XX/2022. I believe I have all my pay stubs from them as well. 

So, this is not a legitimate sale, and not getting the Sales paperwork until one full month after the sale only goes to prove that they could have forged my name on the Loan Application. I didn`t even know how much they gave me for my car, which was next to nothing. Wells Fargo Auto Finance needs to go after XXXX XXXX XXXX for falsifying the Loan Application, it`s as simple as that.

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 2023-09-26 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: GA

Complaint narrative:
On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with Experian but not late with XXXX and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on Experian but none with XXXX which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.

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