vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XXXX, I opened a checking account using a promotional offer : They would give me {$450.00} if I had a qualifying direct deposit. 

I had my qualifying deposit on XX/XX/XXXX, and never got my promo code. I waited and nothing. 

Today, XX/XX/XXXX, I inquired about it and I was told that as my account was in negative, I didn't receive the {$450.00}. In first place, the negative balance was something with the charges they made for a service I didn't ask. In second place, the flyer said that the deposit was going to be made XXXX  days after the qualifying activity ( which is the direct deposit ). 

Then, the agent went to ask a colleague and was told that it is XXXX  days after the XXXX  day period of the account standing in good balance. 

I am attaching the flyer. It doesn't say that the {$450.00} will be deposited after XXXX  days of the XXXX  day period. It states that the deposit has to be made within XXXX  days, but nothing about posting the balance. 

They highlighted that " The Bonus will be paid to positive balance accounts '' My account was positive after the XXXX  days of the qualifying direct deposit ( XX/XX/XXXX ), so I should qualify for the promo. My account went to negative due to a charge they posted for a service i didn't ask for, but that's a different situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

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 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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls store sent me a Capital One Visa card without my consent. I had a store card in which I could use that card only at the store. I've had this card for years. Suddenly, I received a Capital one Visa card by mail for which I did not request. I called the store immediately to inquire about it. They stated that they automatically upgraded the cards to a capital one Visa card. This should not be allowed without a person 's consent. I closed the account, which I'm upset because I know this affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and just put updated Incorrect numbers On 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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year>, I made XXXX payments - {$3200.00} and {$2200.00} for a total of {$5400.00}. On that day that's the maximum amount of payment I could make. My goal was to make a full payment so my account is at XXXX balance. That did not happen. There were some pending charges that were not included and I understand that but those charges do not add up to the current statement balance. 
My complaint is that the credit card company Barclays does not allow you to pay off the full balance. Every month they force you to carry over a balance. I have tried numerous times to payoff the balance and each time I notice there is a balance carried forward. This is very misleading. The credit card company should clearly allow the consumers to pay off the balance on any given day. 
When I asked the XXXX to provide me a resource for complaints, they did not provide a resource for filing a complaint. I had to resort to XXXX to find CFPB. They also said that it will take XXXX - XXXX business days for anyone to get back to me about a complaint. These service levels are unacceptable for consumers.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: AL

Complaint narrative:
XXXX in disagreement with the account listed below which appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611. Please provide the names and business address of whom you verified the account information with so I can follow up. Please send an updated copy of my credit report after your reinvestigation.

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 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
INFORMATION is showing on my credit report and i did not business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same numbers back on 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 2024-09-17 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: MI

Complaint narrative:
I need your help with this false account showing up on my credit report. Its impacting my reputation, and I depend on your assistance to resolve this. Due to your errors, my credit standing has been severely affected. You have to correct the wrong details on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX 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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian, I have had trouble with them for many years now. They have positive information listed as negative stating that all my accounts are late and or never paid. All my accounts are up to date, closed due to paying them off and I have not been late making payments for years. I have attempted to phone them and to contact them online to no avail. Now my social security number has been found on the XXXX web and Experian is the only reporting agency that is showing a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Co XXXX a place where I have never lived nor do I know of anyone in that area, this is clearly fraud and I'm beginning to believe that it's directly related to the reporting of Experian. These incidents all accrued in XX/XX/year> there are XXXX incidents on my Experian report only.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing regarding the account. Please be advised that I am unwilling to pay toward this account. I recently applied for a mortgage and was denied, I sent serval letters asking and informing you that this account is no longer disputed by me. My XXXX  XXXX says that I will be denied because of this. I currently have a XXXX with XXXX XXXX with XXXX and a XXXX with XXXX. With those score I am able to qualify for first time buyers and other programs regards of collection just can't be in dispute. I know it may not mean much to you but it means a lot to my family. I've been disputing this account for the past 3 months with no proper documentation received or notification of such debt. My husband has now lost his job and the apt we have no cost way to much. 
I was hoping to be in a house of my own it would've been cheaper than renting if you knew anything about living in XXXX XXXX. But not only that, you guys are duplicating the account XXXX for {$770.00} and XXXX for {$2200.00} making it seem as if I have XXXX collections with you guys and when in fact I only have XXXX. This is deceiving to me and other creditors when they pull my report. Fix it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
Ive tried contacting this company several times through Mail and also CFPB and nothing gets rectified. They say theyve done a full investigation and the same numbers keep getting put back on 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 2024-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX job, been off work for XXXX  months.. been trying to get help from the bank for my financial situation with my mortgage because I am behind .. due to loss of income.

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 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient apparently is selling the loan to XXXX. They are reporting the same loan at the same time. Therefore, it is causing my debt-to-income ratio to be wrong. I need Navient to remove their reporting because XXXX is now reporting the loan. 


Navient needs to remove the loan instead of double counting. I can't get anyone on the phone to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CREDIT CORP SOLUTIONS INC Opened XXXX This account doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief