vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
Hi, I had received an email offer from Discover for earning an extra 6 % cash back at Restaurants on up to {$1000.00} in new purchases through XX/XX/year>. I activated this offer through my email by clicking as per instructions and used my credit card for several restaurant purchases during this period. However, I have still not received the promised 6 % extra cashback for restaurants. I reached out to customer service and they told me they don't have access to view these special email offers and put a complaint to their corporate with complaint number XXXX. Despite activating the offer and using the credit card for restaurant purchases within the specified period, I didn't receive the promotion as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Experian. Please delete the following accounts and ANY and ALL inquiries associated with the accounts. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Company is reporting account # XXXX is a charge off. I didn't receive a 1099-C. I should have received this since company got a tax write off. Company report credit limit as {$18000.00} and then reported again account # XXXX as paid as agreed. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
I was in fact affected by the XXXX data breach.

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
DEAR GOLDMAN SACHS I SPOKE TO YOUR MANAGERS AND FRAUD TEAM VARIOUS TIMES FOR HOURS IVE NEVER HAD A CARD AND IM WILLING TO PROVIDE DOCUMENTATION THAT ITS NOT ME. THE ACCOUNT NAME IS SAME AS MINE BUT THE SUPERVISOR SAID THE DATE OF BIRTH AND SOCIAL DO NOT MATCH AND YOU GUYS KEEP REPORTING THIS FALSE ACCOUNT AND SEND ME COLLECTION LETTER WHEN I NEVER HAD AN ACCOUNT CLAIMING I OWE YOU XXXX XXXX DOLLARS PLEASE LOOK BETTER AND TAKE MY INFO OFF AND STOP TRYING TO HARRASE ME I WILL ATTACH MY ID SO YOU SEE MY DATE OF BIRTH DOES NOT MATCH

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding a deposit made at TD Bank on XX/XX/year>. My son and I opened a checking account at TD Bank XXXX XXXX branch with an initial deposit of {$73000.00}. Our intention was to open a savings account with a competitive interest rate above XXXX XXXX  shortly thereafter. 

Approximately a week after the deposit, we contacted TD Bank and were informed that our account had been closed. We were not provided with a clear explanation for this action, and we were told that the check had been deemed non-genuine by TD Bank. Following this, we reached out to the United States Treasury Department, which has since confirmed that the check was authentic and had been cashed by TD Bank on XX/XX/year>. 

Despite the XXXX confirmation, TD Bank has not clarified the location or status of these funds. Additionally, the XXXX XXXX XXXX, who oversee fund transfers, have also verified that the funds were not returned to them. 

To assist in resolving this issue, I can provide the following supporting documents : A copy of the check A copy of the deposit slip A copy of the bank statement For further verification, I can provide the contact information of my sons attorney, who can address any questions about the authenticity of the check. 

Thank you for your attention to this matter. We look forward to a prompt and satisfactory resolution. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX {$650.00} XXXX Hold {$100.00} XXXX. XXXX {$86.00} As I looked at my account these transactions was not authorized by me. I have canceled my card soon as I have recognized these charges. I am making a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Company reported account # XXXX as charged off available credit as {$4400.00}, reported balance as {$280.00}. If it is charged off, I should have received a 1099-C and it my balance should be {$0.00} and not be showing on my credit report as been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America promised XXXX XXXX cash back on home improvements. However, I am only receiving XXXX XXXX. I tried to call for an explanation, but it was impossible to get past the robot recordings, and they were not helpful.

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 2024-11-16 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
This account was charged off : Since then, the date of last activity has been inconsistently updated on Transunion the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 non-monetary relief
Consumer complaint received 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hi my name is XXXX XXXX. I have been trying to obtain information of my credit file and I keep getting that it is suppress. My lenders can not see any type of file or report nor myself.This is starting to affect my livelihood. I have been dealing with this before my XXXX and it is still going on as I write this.I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to get a new car. I have all the documentations all my records. Everything has been processed and agreed-upon but my lender can not see my report therefore stopping me from being able to obtain a loan to get a new car for me and my unborn child before winter hits, I no longer can keep taking this anymore. Every time I call I keep getting the same answers or keep getting redirected to different departments. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers ' personal information and governs how credit reporting agencies ( CRAs ) access and use consumer credit reports. The FCRA requires CRAs to : Provide consumers with their credit reports upon request Limit access to consumers ' credit information Investigate and correct disputed information Delete outdated information after a certain amount of time Remove consumers ' names from marketing lists upon request Add fraud and XXXX XXXX military alerts to consumers ' files upon request Provide consumers with their credit scores upon request Inform consumers of the information used to deny them credit and where it came from I will be filing a complaint to the consumer federal protection bureau. I will sue and take this to the media if I dont figure out a solution for myself XXXX XXXX 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 2024-11-17 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Procollect inc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Procollect inc. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : online information ser Address : XXXX XXXX XXXX XXXX, Nc XXXX Account XXXX XXXX XXXX Dear XXXX XXXX ser. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My checking account was closed twice for overdraft that I wasnt committing and navy federal kept reissuing me debit cards I didnt ask for so when I went to fix it my check off XXXX dollars was taken I reached out to the online agents and continuously tried to get some understanding and get my issues resolved they only erased my messages I sent direct and closed out my case numerous of times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX [ Date ] To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ XXXXTransUnion ] , I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas Business & Commerce Code 20.06. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX XXXX breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX [ Date ] To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ XXXX/Equifax/XXXX ] , I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas Business & Commerce Code 20.06. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX Equifax breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement

Company response to consumer: Closed with non-monetary relief