vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
My First Horizon Business Checking account was opened on XX/XX/XXXX with a required {$100.00} initial deposit. 

The terms and conditions for the promo bonus XXXX are listed as : XXXXTo qualify for the {$400.00} bonus, open a new XXXX Checking, XXXX  XXXX  Checking, or XXXX  Interest Checking account by XX/XX/XXXX, deposit at least {$5000.00} within fifteen ( 15 ) days of account opening and maintain an average daily collected balance of {$5000.00} for the first three ( 3 ) full statement cycles and conduct a minimum of twenty ( 20 ) qualifying client-initiated transactions within the first three full statement cycles in the eligible First Horizon Bank checking account . 

A deposit of {$5000.00} was made on XX/XX/XXXX, which is within 15 days of account opening as required by the XXXX XXXX XXXX XXXX XXXX XXXX ) qualifying client-initiated transactions were made on XX/XX/XXXX as required by the XXXX XXXX XXXX XXXX 

Despite fulfilling all requirements for the account XXXX XXXX First Horizon Bank denied payment of my {$400.00} bonus. The reason given was that I did not have an average daily collected balance of {$5000.00} for the first three ( 3 ) full statement cycles. 

The avg daily balance for XXXX and XXXX were less than {$5000.00} since my required deposit of {$5000.00} was not made until XX/XX/XXXX as stated and allowed under the initial 15 days funding period. I have not withdrawn any funds since depositing them. 

After depositing the {$5000.00} amount, I spoke with XXXX XXXX, a bank branch representative about the fact that my XXXX statement would not have a {$5000.00} avg daily balance since the deposit was made on XX/XX/XXXX. XXXX XXXX said she would investigate the issue and get back to me with an answer concerning bonus eligibility. A couple days later we spoke again and I was told by XXXX XXXX that my first full statement cycle would be XXXX and as long as I had an avg daily balance of {$5000.00} for the XXXX, XXXX, and XXXX statement cycles I would receive the bonus without issue. 

I have fulfilled all requirements for the account promo bonus at First Horizon Bank and would like help receiving my {$400.00} bonus payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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:
Ive found errors on my credit report related to 15 USC 1681b ( c ) ( 2 ). The listed inquiries werent authorized, and theyre impacting my credit negatively. Please remove all unauthorized hard inquiries.

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 2024-11-13 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}

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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I opened this account on XX/XX/XXXX, they closed it on XX/XX/XXXX. I paid {$370.00} to this account to make it have a full and clear balance, never did anything wrong with this account. I go to use the card and it gets declined, for what reason I dont know. Before I used the card it showed available credit. Which some of which I used then the next time I tried to use it, it was declined. I called and asked why and they said, we closed the account. When asked why, the had no answers. From the first guy I spoke to until the Manager no one had any information to give. They then said the were going to send a letter in the mail explaining why they closed the account. Typically if there was questionable activity on a credit account, they either send an email asking to verify a charge or they call. I never recieved this courtesy. They just closed my account with no warning. This company should be investigated because they are running peoples credit, then extending them the credit line and then closing the accounts for no reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Reporting by Department of Education/Aidvantage on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of Education/Aidvantage

. My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXXXXXX  Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of Education/Aidvantage correct or remove the inaccurate payment statuses, specifically the XXXX late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score. 

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report dated 11/13/24XX/XX/XXXX, there are late payments entry listed for XXXXXXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : XXXX. Verification of the accuracy of the late payment entry, including proof of the alleged late payment. 
XXXX. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments. 
I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX  XX/XX/XXXX I was notified by the dmv when I was requesting a new drivers license that my Discover card was locked. I had no knowledge of why that could be because every payment I have ever made has been on time and I have had no issues with the amount. I called Discover requesting an explanation. I was repeatedly transferred to an outside verification company that attempted to force me to provide detailed tax information to them for reasons unclear. I repeated multiple times to multiple representatives that I knew the exact US codes they were violating. I was repeatedly told I supposedly signed something stating they could. No representative could cite any agreement. They then refused to let me speak to anyone else and disconnected the call confirming the illegal nature of the entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2024-11-13 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
I did not give consent to my information which constitutes identity theft I request a report number for the information I'm sending you electronically, I am also seeking monetary compensation for the damage done to me. It caused a lot of monetary hardship on me.

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 2024-11-13 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:
XXXX is reporting three incorrect late payments in the month of XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I have written several letteter to the company to resolve this issue and have been completely ignored. 

Here is a copy of my latest letter that was sent to them. It has been of 45 days and no response.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of my Michigan child support account on my XXXX credit report. According to my records, this account has been fully paid and closed with no remaining balance. Despite this, XXXX continues to report the account with a past-due balance and a seriously delinquent status, which is both inaccurate and harmful to my credit profile. This erroneous reporting is causing significant hardship, impacting my creditworthiness, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Per FCRA regulations, XXXX is required to maintain accurate reporting, and if verification can not substantiate this debt as delinquent.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of my Michigan child support account on my XXXX credit report. According to my records, this account has been fully paid and closed with no remaining balance. Despite this, XXXX continues to report the account with a past-due balance and a seriously delinquent status, which is both inaccurate and harmful to my credit profile. This erroneous reporting is causing significant hardship, impacting my creditworthiness, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Per FCRA regulations, XXXX is required to maintain accurate reporting, and if verification can not substantiate this debt as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called TransUnion to have them remove the Fraud Alert from my credit file. They asked me a few questions to verify my identity. They said that they could not verify my identity and the best thing I should do is to sign up online and I could request that the fraud alert be removed online. I couldn't sign up online for some unknown reason.

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 2024-11-13 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2024-11-13 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Early Warning Services, LLC
State: MA

Complaint narrative:
Evrything tarted back on XXXX XXXX XXXX I had decided to open a saving account with XXXXXXXX XXXX on line yes they were many popupd so I activaded the adblocked and a XXXX screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXXXXXX XXXX I lost that day XXXX I had to pay the card up and asked XXXX XXXX to XXXX report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had any account with these creditors as i know as there intrest rate and services are bad news

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CBC Companies, Inc.
State: MA

Complaint narrative:
Evrything tarted back on XXXXXXXX XXXX XXXX I had decided to open a saving account with XXXXXXXX XXXX on line yes they were many popupd so I activaded the adblocked and a XXXX screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX XXXX  I lost that day XXXX I had to pay the card up and asked XXXX XXXX to XXXX report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had any account with these creditors as i know as there intrest rate and services are bad news

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation