vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2024 RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

15 USC 1681 a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX 15 U.S Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel. Insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

The current personal information being furnished is inaccurate, not relevant out dated information. 

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

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately. 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX were fraudulently used on cash app in an account that doesnt belong to me I reported it to my bank and my bank denied the claim! Cash app couldnt find the account using my information so they said report it to my bank now Im out of almost {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
According to my research about FCRA 605, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for Amex business gold card after seeing a sign up bonus of XXXX offer after {$10000.00} spending. The offer applies to all new business gold members. I have never had an Amex business gold card. On XX/XX/XXXX, I fulfilled the {$10000.00} spending requirement but amex did not honor the XXXX bonus. When inquired with customer service they indicate the promotion was not applied to my application and that my application did not come with any sign up bonus. This is a bait and switch. How can Amex advertise a XXXX bonus to all new businesses but at the same time market a link with no bonus at all? I feel very victimized by this tactic. A quick XXXX search of the Amex business gold card a promotion will always have a sign up promotion more or less. But to have a link for no bonus at all while advertising all these extravagant bonuses is deceptive. 

Below is a link as of today XX/XX/XXXX for a XXXX point offer by simple XXXX search. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX CO HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

THIS FRAUD COLLECTION SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I AM NOT RESPONSIBLE FOR THIS INACCURATE FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00} DELETE THIS INACCURATE FRAUD ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Special Financing Company, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Special Financing LLC for Unfair Collection Practices Dear CFPB, I am writing to request the Consumer Financial Protection Bureau 's intervention regarding unfair and deceptive collection practices by Special Financing LLC . This complaint is in relation to a financing agreement intended to fund services provided by XXXX XXXX XXXX, XXXX  ( XXXX  ), which were not delivered as promised. 

Despite discontinuing the ECU program in XX/XX/year> after completing only 40 % of it due to significant deficiencies in service delivery, Special Financing LLC is attempting to collect the full amount of {$15000.00} with interest. This demand is disproportionate given the actual services received and the initial agreement that only {$6000.00} was due until employment was secureda milestone that has not been reached due to the inadequacy of XXXX  's service. 

I have made eight payments totaling {$3600.00} to Special Financing LLC, and an initial payment of {$500.00} directly to ECU, bringing my total payments to {$4100.00}. These payments reflect my commitment based on the services I was led to expect. 

This discrepancy in the amounts being demanded raises serious concerns about the ethical and legal standards adhered to by Special Financing LLC. The practice of insisting on full payment for a service that was both inadequate and incomplete is unjust and potentially violates consumer protection laws. 

I respectfully request that the CFPB review this matter thoroughly. I urge you to ensure that the collection practices by Special Financing LLC are adjusted to reflect the actual services rendered by XXXX  and are in line with the financial agreement discussed at the onset of this contract. 

Enclosed are all relevant documents, including the financing agreement and correspondence with both XXXX  and Special Financing LLC, to support my claims. 

Thank you for your attention to this pressing issue. I look forward to your prompt and decisive action to help rectify this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have unauthorized inquiry on my report from XXXX XXXXXXXX XXXX. I did not authorize this inquiry and there is fraud protection on my account which should have alerted me but it did not. So you are in violation of several federal consumer laws including USC 15 1681 I demand this unauthorized inquiry be removed immediately or I will not hesitate to pursue legal action.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
i started an allotment with XXXX to have XXXX dollars direct deposited to my USAA account. this was XX/XX/year>. When i filled out the direct deposit information. i accidentally added an extra number. This number threw off my account. The first set of checks from XXXX were returned to XXXX. i then went to change the amount from XXXX to XXXX. It was unknown to me that my funds were not being received at USAA. i took an assignment to XXXX XXXX. With the movement and new assignment i didn't catch the error until XXXX of XXXX i contacted XXXX and they had the 3 returned checks for XXXX and returned them. The customer service representative gave me the tracer numbers for the other months. These months totaled 8 months. i contacted USAA to have the funds returned to me or have to sent back to XXXX. i provided the tracer numbers to the checks that were sent to the wrong account number. I called USAA and they said they see the money but couldn't tell me the account. However to get the funds returned i had to have the issuing company send a letter to recall the funds. XXXX has reached out on a couple occasions now and they have been ignored. this was started in XXXX and it is still ongoing. i have attached the copy with the tracer numbers and i have attached a printed copy of XXXX responding to my inquiry about the funds. the total sum is around XXXX dollars. i have called and uploaded this information on several occasions. When i contact USAA customer service they agree that the tracer numbers show that it was supposed to go to my account but, i have yet to receive any funds to my account or back to USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
Inaccurate account information on consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I am writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : 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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am writing to file a complaint against Citibank regarding their failure to provide a cash bonus as part of a promotional offer. The promotion in question can be found at the following link. XXXX XXXX //XXXX.citi.com/XXXX XXXXXXXX XXXX XXXX Details of the Issue : Promotion Description : Citibank offered a {$300.00} cash bonus for opening a new checking account and completing the specified direct deposit requirements within the promotional period. 

Completion of Requirements : I successfully completed all the requirements outlined in the promotion, including opening a new checking account and setting up and receiving the necessary direct deposits within the specified timeframe by XXXX XX/XX/2024. 

Banks Response : Despite fulfilling all the conditions, Citibank has not provided the {$300.00} cash bonus as promised. I have contacted their customer service multiple times, but my issue remains unresolved. Their responses have been unsatisfactory, with no clear explanation for the denial of the bonus. 

Impact on Me : This situation has caused me significant inconvenience and frustration. I relied on the promotional offer in good faith, and the banks failure to honor it has affected my trust in their services. 


Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I FOUND 3 ACCOUNTS FRADULENT ON MY CREDIT REPORT. CONTACTED ALL AGENCIES AS WELL AS FILED FTC AND MAILED LETTERS TO BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: PA

Complaint narrative:
Self credit report that i have missed payments when agreement. is self credit builder report that i have delinquent to all three credit agencies that information is incorrect and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX and XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USc 1681i 5 they are suppose to do this ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that information is 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 explanation