vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid 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: OH

Complaint narrative:
I signed up for a Chase Southwest Airlines visa promotion in XX/XX/XXXX. I have contacted Chase on a number of occasions only to be told I " received my promotion ''. The promotion I received is NOT what I signed up for however. I believe a " bait and switch ''. I signed up for a promotion that ran from XX/XX/XXXX through XX/XX/XXXX after Chase relaunched the Southwest credit cards with new benefits, spending categories and welcome offers. The promotion offered XXXX points after spending $ XXXX in the first 3 months, and an additional XXXX points after spending $ XXXX in the first year. I signed up and started spending. I was not focused on the accrual of points until the end of the 12 month period as I had been spending on the card and had used some points flying my daughter home from college. I met all the terms of the promotion, spending over $ XXXX on the card in the first 12 months ( and over $ XXXX in the first 3 months ). In XX/XX/XXXX I noticed I did not have the points. I waited until XX/XX/XXXX to contact Southwest as I thought it could take a month to appear. There was several back and forth phone calls between Southwest and Chase as to who was responsible. Ultimately, Chase awards the points, and Southwest controls them after they are awarded. I have spoken with multiple members of the Chase team who initially claimed the promotion did not exist. Ultimately, they now claim that I " received the promotion I signed up for ''. Logically, why would I sign up for a card that would charge an annual fee only to receive LESS than my card I have had for 20+ years? I would not have. Why would I have signed up for a promotion for $ XXXX miles when XXXX miles were being offered? I would not have. I have contacted Chase through their secure message, phone, a personal banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed a account for XXXX XXXX through Experian and I received report number and was gave a number to call to review the dispute. The lady I spoke to knew nothing about the dispute and I explained to her that it was done and I have the report number and I also attached my discharge papers with it. She still asked if I want to file a new one and I went ahead and did that because she kept arguing with me that I did not file a dispute because it wasnt showing and she wanted nothing to do with the report number I had also that was gave to me through Experian. This has us on hold with our mortgage company and Im upset because she didnt want anything to do with the report number the company gave me to use when I called them

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: NM

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX are up to date for the past 11 months and credit reports shows 90 day past so and affixing my XXXX  score and ability to refinance the loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Loan are up to date for the past 11 months and credit reports shows 90 day past so and affixing my FICA score and ability to refinance the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: NV

Complaint narrative:
They call and ask for location information. They fail to identify themselves as a debt collector. Saying it's a legal notice, but they don't even say who they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have noticed an account on my credit from midland funding that is a direct result of identity theft. the account is from a credit card that I never owned associated with my name and social security number. I have filed a report with the FTC regarding this ( FTC Report number : XXXX ) The credit card associated with this midland funding debt is from XXXX  XXXX. I have sent multiple letters to midland funding informing them that I did not live at the address associated with this account and have requested multiple times that this account be removed from my credit report. Not only has the account remained but they continue INCREASING THE BALANCE on the account associated with this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. 

Background : For several months, I have been diligently corresponding with XXXX to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, XXXX has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. 

Details of the Complaint : Inaccurate Reporting : XXXX has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. 

Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, XXXX has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. 

Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. 

These actions have continued despite me providing proof from Discover themselves that the account had been closed and should not be reported as a collection account each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX  will be filing form 211 Treasury OMB firms to audit consumer account. EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
I opened a checking account with CashApp XX/XX/XXXX. I have never brought any issues to CashApp with my account as I was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to CashApp and this caused me to not be able to retrieve my funds and accumulate late fees with my bills as I had to change my banking information with my employer. The reason that I was given by CashApp was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised CashApp that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XX/XX/2020 has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
The three major agencies Equifax, XXXX, and XXXX have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, just to name a few. 
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 The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I was scammed using XXXX, provided by the bank, for {$300.00}. 
I immediately stopped communication with scammer, contacted the bank with dispute and file an immediate police report, who determined THEFT BY DECEPTION. 
The bank Assistant XXXX would not help me in getting my money back AND followed up by SEVERING RELATIONSHIP WITH ME. 
I was treated as though I was the criminal. 
He did this all while knowing that my SOCIAL SECURITY XXXX DIRECT DEPOSIT would be affected. 

Total jerk!

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Bank of America XXXX XXXX Credit Card. It was never sent to me in the mail. I was never notified by the post office neither the bank on my status of the credit card. 

I finally received the credit card by XX/XX/2023 and I completed the {$1000.00} transactions in order to receive the cash rewards bonus of {$200.00}. 

Bank of America is not honoring me the reward bonus.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief