vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. XXXX XXXX must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I opened, online, a Chase Freedom Unlimited credit card with the promotion " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months. '' I have screenshots of this offer. A few minutes after I applied and was approved for this card on XX/XX/2023 I called a Chase representative who verified the promotion and expedited shipping of my card. 
On XX/XX/XXXX I called Chase to schedule a payment and to review the promotion again. I needed her to confirm the exact date the three-month period would end to ensure I spend {$500.00} before that day to get my {$200.00} bonus. She reviewed the promotion and confirmed the date. 
I called Chase for the third time regarding this promotion on XX/XX/2023, to double-check/confirm the exact day/end of the three-month period. On this call, I was told there was no promotion on the card! I spoke to a supervisor, I think " XXXX '', who escalated the complaint to marketing to have these two taped calls pulled and listened to. 

On XX/XX/2023 Supervisor " XXXX '' told me the calls were listed too and the Chase representatives were reprimanded for the misinformation I was given. Namely, that I had this promotion ( I applied for ) attached to my Chase Unlimited Credit Card. 
On XX/XX/2023, the Marketing department denied to apply this promotion to my card and closed the case! I had no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX sent a money order for the remaining balance of the car loan for XXXX on XX/XX/2023. 
It is XXXX  and the credit has not been applied to the account. 

Ive sent various emails reflecting and discussing this scenario. Now Account is passed its due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MA

Complaint narrative:
I went to XXXX to place two order worth {$76.00} and {$85.00}. I tried to pay for those transactions with my Discover Card using XXXX XXXX. I wanted to use XXXX XXXX  because Discover Bank sent me two emails and publicised heavily about their XXXX XXXX cashback promotion during this quarter : XXXX. Thus, I wanted to take advantage of the offer and hence went to XXXX to place my two orders using XXXX XXXX. 

However both the transactions were declined by Discover and I was so embarrassed when the cashier said that the card was declined. I was looked down upon like a beggar having no funds to pay for my meal/order by the cashier and I can understand the cashiers perspective. I thank XXXX that I had other credit card to fulfill the transaction. However, I will never forget the public embarrassment I had to go through just because I wanted to use my Discover card. 

Note : I had enough credit limit available in my account to make the charges but still was declined to pay the charges. 

I have never been treated so badly in public for not having money. I make over $ XXXX and still had to go through this turmoil. I am scarred and highly disturbed by this incident and its impact over my mental health When I call customer service at Discover, they say that they are having a system/technical error and just dont acknowledge the gravity of the situation. They say they just cant do anything. The most annoying part is that they dont even give a complaint/case number and are unsure of whether there will be a follow up of the complaint. This is very pathetic. 

Lastly, I also lost {$16.00} in cashback because of the declined transactions. It was a worst day and highly regret using Discover. 

I need compensation for all the inconvenience caused and for the discrimination I had to face today. I need a call-back and REGULAR follow-up regarding my complaint. 

There has been a pattern with Discover. The customer service executive say they raised a complaint but not give a complaint number and neither any acknowledgement of receipt of the complaint. And then they say it will be handed by Corporate office and thats it, they just never get back regarding the complaint. Thats non-accountability of the highest level

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from Experian dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westcreek Financial
State: TN

Complaint narrative:
From XX/XX/2023 to XXXX XX/XX/2023 Ive been getting frequent/repetitive calls from XXXX. I went through them because of some furniture I had bought. I get calls multiple times a days from different numbers but mainly 1 number. I got accepted for a loan for {$1900.00} but only had to use {$1300.00}. I was told I had to pay XXXX every week which is alittle needy. Ive paid XXXX of it so that leaves me with XXXX left. Forgot to mention they are charging me XXXX instead of XXXX. They ran my credit card debt up while I lost my job and providing for my newborn. They made my credit score go low. To the point I couldnt find an apartment to accept me to live. So I paid XXXX of it but now my total is XXXX instead of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. 
I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. 
Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. 
I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. 
They said they would mail it to me. 
Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. 

This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. 

I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
During this time I was having funds deposited into my checking account from my unemployment qqed access to my account and transferred all of the funds from my account to theirs leaving a trail with their name and dates and time. 
The bank decided there was nothing wrong with what had occurred and decided not to give me back my money although my money is insured and that's why it is insured so that when somebody steals my identity and steals my money, I get it back. 
They did however refund me debits that were legitimately my doing totally {$100.00} out of {$5600.00} worth of money that was stolen. I just want what's right and that is for my money to be returned to me that is why I keep it in the bank, that is why it is insured, and it definitely should have come back to me. 
I have all of the documents proving that I was not knowledgeable to any of this and I have the proof of the person who took the money and transferred it to themselves all documented. 
I have attached copies of the transactions where XXXX XXXX XXXX transferred the money from my account to his account and things were bought online it's all there I have also attached a letter from the facility that I was housed at from XX/XX/XXXX until XX/XX/XXXX all the transactions happen within the time that I was XXXX. 
I, at no time, gave my permission to XXXX XXXX or anyone else, to transfer any funds from my account to his, nor did I give consent for him to purchase items and or services via the internet. He gained access to my account through personal paperwork I left at his home and via a computer that I was in the process of purchasing prior to my XXXX. I did not know that I was going to be arrested I would never have left sensitive documents on a computer that someone else could gain access to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XX/XX/2005, XXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation