vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: VA

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website In XXXX ( {$500.00} ). Despite meeting all the requirements specified in the promotional descriptions, I have not received the {$500.00} as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant document for your reference. It confirms that I opened my new account within the specified timeframe in XXXX, well within the 30-day window. 

Moreover, this bank statement displays my U.S. Bank transactions, demonstrating that I deposited an amount of {$5000.00} on XX/XX/year> and an additional {$5000.00} on XX/XX/year>, both of which exceed the minimum deposit requirement of {$10000.00}. Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. 

I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 3 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. 

Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Moreover, I have submitted the same claim before and that claim has been closed. However, I still did not receive the company 's response and not able to make the call. Here is the complaint ID : XXXX. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

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 2024-11-07 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 am writing to formally request the blocking and deletion of specific unauthorized accounts on my credit report as a result of a recent data breach that compromised my personal information. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent accounts. 
The following accounts are unauthorized and should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was in an accident XX/XX/2022. I was struck my a XXXX and on the scene of the accident the person that hit me admitted in front of the police they hit me. XXXX and the other persons insurance company deemed that I was not at fault after investigation. 

Yesterday I called another insurance company to get a quote and I was told that Lexis Nexis system shows I was at fault of an accident in XX/XX/2022. This is causing me to be quoted an astronomical amount for insurance. The information reported is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I am disputing the information on my Equifax report collection account XXXX with # XXXX and balance of {$510.00}. The original creditor is XXXX XXXX  I am a victim of identity theft and I never authorized this account I requested proof or verification that I agreed to this contract and have still not reached a resolution. 

; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I worked for the company XXXX and county of XXXX XXXX at the XXXX XXXX I got paid and did mobile deposit of {$2400.00} on XXXX and they said it was flagged as fraud and wont be available until after XX/XX/XXXX. I would like the money available to me and hold released

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I am a victim of idenity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

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 2024-11-07 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: IL

Complaint narrative:
I recent obtained a copy of my credit report and noticed a fraudulent account. Please remove this account it is stopping me from obtaining credit.

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 2024-11-07 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: IL

Complaint narrative:
I recent obtained a copy of my credit report and noticed a fraudulent account. Please remove this account it is stopping me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MS

Complaint narrative:
I am writing to address multiple unresolved issues with the information on my credit report in EXPERIAN, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 

My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EXPERIAN is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EXPERIAN is obligated to investigate disputes within XXXX  days, but I have not received any update or resolution. This delay constitutes a violation of my rights. 

Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EXPERIAN to cooperate with the FTC in addressing these concerns. 

To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. 

I expect your prompt attention to this matter and resolution within the legally required XXXX timeframe.

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 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also documents so I may review this to see if it actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, 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 2024-11-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX. Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
What Happened : On XX/XX/XXXX, an account with Genesis Credit Management LLC, which currently shows an open balance of {$3300.00}. As of XX/XX/XXXX, the account has been placed for collection. However, I dispute the account information, as indicated in the records. I believe the account status and details may not accurately reflect the actual situation, and I would like to have this resolved. 

Actions Taken : I have disputed the account information. 
The account remains open with a collection status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECKredi of Kentucky, LLC
State: MT

Complaint narrative:
Last week, I noticed an unexpected {$30.00} charge on my checking account from a company called CheckRedi, which I'd never heard of. I contacted my bank, and they informed me it was a collection agency, advising me to reach out to them directly. 

When I called CheckRedi, I gave them my name and date of birth, but they couldnt find anything linked to me. I then provided my cell number, home address, past addresses, and email, but still nothing showed up. Finally, a supervisor managed to locate the account using just my name. 

According to them, the charge was for a gas station rewards program, and they said I owed around {$140.00} to a company called XXXX or XXXX XXXX. Heres where things get weird : I live in Montana, where we have no XXXX  or XXXX XXXX locationsthose only operate in Pennsylvania, Ohio, West Virginia, Indiana, and Maryland, places Ive never been. When I explained this, they suggested I contact another debt collector, XXXX XXXX, who was also handling the account. 

After multiple calls, XXXX XXXX eventually found the account using an account number I obtained from CheckRedi. The details on the account matched my name but showed an Ohio address and a date of birth XXXX XXXX XXXX than mine. After some research, I discovered theres a person in Ohio with the same name and those exact details. 

I explained that this debt wasnt mine and that Id never had an account with XXXX or XXXX XXXX. They transferred me to their fraud team, but since I couldnt verify the email associated with the account ( obviously, because it wasnt mine ), they said they couldnt help me. 

My main concern is how my checking account information got linked to this other persons debt. The {$30.00} charge came directly from my checking account, not my debit card. I've since placed a stop payment and disputed the charge with my bank. 

Then this morning, my wife received a text from CheckRedi about collecting this debt, which adds to the stress. Were planning to change our bank account and debit card numbers, but I'm worried about other potential fallout. So far, nothing has shown up on our credit reports, but were about to apply for a mortgage and dont want this to impact our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
After making the XXXX  complaint they called me with incorrect information. They claimed they had not received any tax-exempt paperwork from me. To which I corrected them, as laid out in their secure messages. 

There was no due diligence after I sent in the paperwork in XXXX. They did not change the owed amount or even attempt to recover a new amount given the tax-exempt status update. 

Since dropping this ball and trying to blame others, they have also stated that now my homeowner 's insurance from XXXX has a higher due amount than previously stated in the original contract. 

So, on top of calling me to tell me the surplus isn't there, or it might be absorbed due to their second lack of attention to detail about the owed amount for insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX  XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX  I XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : 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 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AXOS FINANCIAL, INC.
State: MS

Complaint narrative:
XXXX of 2023 I had a truck I volunteer to turn the truck in because I loss my job they sold the truck at auction and now I have a remaining balance on the truck

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief