vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC.
State: ND

Complaint narrative:
When checking the Consumer Financial Protection Bureau Complaint Database, I note there are NUMEROUS COMPLAINTS exactly like mine. 

I completed all requirements for a {$300.00} Checking Account Bonus. Following are requirements for the bonus : XXXX. Open a cashback checking & best savings bundle. 
XXXX. Use promo code XXXX. 
XXXX. Set up a direct deposit of {$1000.00} per month and earn {$100.00} bonus per month ( up to {$300.00} ). 

Despite completing all the requirements for the bonus, Axos Bank refuses to pay the bonus. The checking account bonus is a LEGAL CONTRACT, which Axos Bank outright refuses to abide by. 

Attachment - Axos Bank Checking Bonus Attached is a copy of the Axos Bank Checking Bonus. When I applied for the bonus in XX/XX/year>, the bonus was {$300.00}. The bonus is now a {$500.00} bonus. 

Attachment - Checking Account History Attached is a copy of my checking account history, demonstrating a $ 1416 monthly deposit was made three consecutive months for XXXX, XXXX and XX/XX/year>. 

Attachment - Complaint Email to Axos Bank XXXX XXXX Attached is a copy of email to XXXX XXXX XXXX, Assistant Vice President for Customer Service, registering a formal complaint with Axos Bank. 
I respectively request the Consumer Financial Protection Bureau intervene on my behalf to require Axox Bank comply with the tenets of our legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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 identity theft and have taken immediate action by notifying the appropriate authorities to rectify the situation. I am working diligently to secure my personal information and restore my accounts. 

XXXX XXXX XXXX XXXX in the about of {$75000.00}. 

I have filed additional documents with the FTC regarding my identity theft case and have notified my creditor and the credit bureaus to ensure they are aware of the situation. I am actively working to resolve this matter and protect my financial identity.

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 2024-11-06 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 a victim of identity theft and have taken immediate action by notifying the appropriate authorities to rectify the situation. I am working diligently to secure my personal information and restore my accounts. 

XXXX XXXX XXXX XXXX in the about of {$75000.00}. 

I have filed additional documents with the FTC regarding my identity theft case and have notified my creditor and the credit bureaus to ensure they are aware of the situation. I am actively working to resolve this matter and protect my financial identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I placed an order for a XXXX  XXXX XXXXnder transmission and never received it. Once realizing I was scammed, I disputed it with my credit card company and from their discovery they found that the company mailed a priority USPS envelope to show " proof '' of transmission delivery. First off, the Transmission never came and how does one send a couple pound transmission via a XXXX priority envelope? 

Secondly, the XXXX regarding the complaint I filled ( C # XXXX ) came back with the result stating that the XXXX destination was not even my mailing address of XXXX XXXX XXXX. The XXXX tracking number is XXXX. 

I submitted all the proof and documents to Synchrony Bank and they are still not refunding this scam. This has been going on for the past couple of months, attached is all the supporting documents for your review.

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/2024, I spoke with XXXX about the Easy Pay program offered. I paid the Full Balance on my Old Navy/XXXX card in anticipation of making a {$3000.00} purchase after the Credit Limit was increased to {$3000.00}. This purchase was processed effective XX/XX/2024 and was eligible for Easy Pay. ( 18 monthly payments of {$170.00} ) When I tried to enroll in Easy Pay, I received an error message " Oops something went wrong... We were unable to enroll your transaction into Easy Pay because your balance is below the requested enrollment amount. '' When I spoke to XXXX on XX/XX/2024, her response was that the System was updating, try again later. On XX/XX/2024, I spoke to XXXX who transferred me to XXXX, a Supervisor. He was unable to get the transaction to go through. He realized that the Full Amount ( including Interest ) would exceed my available Credit Limit ; hence the denial. On XX/XX/2024, I made a payment of {$500.00} and subsequently attempted to enroll in Easy Pay ( as I was instructed to do by XXXX, a supervisor  I spoke with on XX/XX/2024 ) and the Easy Pay amount of {$2500.00} ( 18 monthly payments of {$140.00} ) would not process, because XXXX had apparently deleted the transaction from the system. I tried to contact the Complaint Department ( Tel. # XXXX ) and the call went directly to " Credit Cards. ''

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 2024-11-06 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 accounts was never late! I have had exceptional payment history with XXXX XXXX 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/updated. 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. 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!

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-06 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX 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 XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-06 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-11-06 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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 2024-11-06 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: MN

Complaint narrative:
Ive noticed several mistakes on my credit report, showing late payments that dont reflect my usual payment history. Kindly adjust these and update my account.

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 2024-11-06 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:
This morning, I noticed unauthorized inquiries on my credit report, which took me completely by surprise. I check my report regularly, and this time, there were entries that shouldn't be there. I tried refreshing my browser, hoping it was just a display error, but the inquiries remained. I need this issue addressed immediately and for my documents to be examined carefully to ensure this doesnt happen again.

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 2024-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TAG Intermediate Holding Company, LLC
State: TX

Complaint narrative:
Paid off car almost 1 year ago and still have not received the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Requested from XXXX XXXX to place a fraud alert and to removed this card. Contacted the credit card company and informed them this is not my credit card and it's not my name. Because it's not my name they refused to remove the credit card or post a fraud alert. Also posted a fraud alert with XXXX and they said I needed to report this to this organization. This is the credit card information. JPMCB CARD SERVICES XXXX {$1400.00} {$35.00} - Name on card XXXX XXXX The credit card company and XXXX XXXXXXXX said they would not help because I do not have the credit card number, my name is not on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
World Omni financial Corp is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a XXXX stating that it is reporting correctly. 

I will also attached the credit report to show how its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-06 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
recently reviewed a copy of my credit report and noticed i have fraudulent accounts and inquiries on my report. Please remove these accounts and inquiries for i have XXXX knowledge of them and they do not belong to me. no contract was signed or permission given by myself. They are hurting my ability to obtain credit. The Fraudulent account is XXXX XXXX XXXX in collections with an amount of {$630.00}. I have attached a copy of my photo id, a recent utility bill and a copy of my social for verification purposes as well as the identity theft report.

Company response to consumer: Closed with non-monetary relief