vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Costco branded credit card from Citibank. 

They have twice in the past week sent me a letter, telling me I needed to take additional steps to complete the process of adding my card to XXXX XXXX. 

I never started the process of adding my card to XXXX XXXX. Nor will I ever, since The letter from Citibank says " If you didn't request this card to be added to XXXX XXXX, call us at XXXX. '' When I called, to alert Citibank that someone is apparently trying to fraudulently register my card with XXXX XXXX  ( because I've now gotten two notices ), I was told " On, just ignore the letter. We're just trying to get people to sign-up for XXXX XXXX. '' I'm a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I'm pretty sure this type of marketing is illegal. Can you please ask Citibank to stop this despicable marketing practice?

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My complaint is with the company 's methods of determining credit ratings, which can severely adversely affect the consumer 's financial situation. It uses limited information and does not take into account the full picture of one 's financial status.

In my case, I'm carrying large balances on several credit cards, but they are 0 % interest cards, due in 6-8 months. However, I also have savings of approximately {$310000.00} at 5.15 % - 5.25 % interest. The interest generated will be sufficient to pay off those cards at their due dates. Even a person of much greater net worth would receive a poor credit rating based on TransUnion 's flawed metrics.

Consumers are given 0 % interest cards, then " penalized '' by the credit rating agencies for utilizing them.

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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I bought XXXX XXXX watches from XXXX in XXXX XXXX XXXX. He told me his uncle died and he didnt want the XXXX watches. He requested I use XXXX through Wells Fargo Bank because that was his bank. I also bank at Wells Fargo Bank. After receiving the watches I had them apprised and found out they were fake. I contacted the seller and Wells Frago Bank. Both of them told me to Pound Sand. Nether of them would provide any type of assistance. I spent over {$2000.00} through Wells Fargo Bank. I all all the additional information if you can assist me in any way to get my money back. Wells Fargo Bank needs to be held accountable. I notified them and they didnt care at all. I will be available for any additional information you need moving forward. Once I told Wells Fargo Bank what had happened they should have acted on my behalf and they didnt do anything!! 


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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
This complaint to 700 CREDIT/XXXX XXXX for allowing fraudulent inquiry on my credit report. As I checked my recent credit report, the unauthorized hard inquiry reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint has been filed with the CFPB to request that Experian, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes an account opened at XXXX XXXX  on XX/XX/XXXX, under account number : XXXX and another personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in multiple fraudulent hard inquiries and derogatory items appearing on my consumer FICO credit report. 

I have attached a list of the derogatory items in question, along with a copy of the consumer FICO credit report maintained by you, which shows the fraudulent entries. I do not recognize the accounts, collections, or hard inquiries referenced above as legitimate. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

To support my claim, I have attached a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the U.S. Federal Trade Commission confirming that all of the accounts, collections, and hard inquiries mentioned above are the result of identity theft and fraud.

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 2024-08-09 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: SC

Complaint narrative:
I went into a payment deferal program with XXXX XXXX  and the reported me XXXXXXXX XXXX XXXX days late several times on my credit report. I was told it would show current on my reports or i wouldnt of deferred my mortgage payments. XXXX XXXX failed to provide the information or i wouldnt of done a payment deferral. I was never late on my mortgage.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified TransUnion and provided my identity theft report but the accounts are still on my 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 2024-08-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- INQUIRIES -- - XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for reporting an unauthorized collection account on my credit report. I hereby declare that I do not, and have never consented to any contract purportedly established between myself and XXXX XXXX XXXX XXXX XXXX as there exists no signed contract between us in accordance with UCC 2-201. 

UCC 2-201 states that a contract for the sale of goods for {$500.00} or more is not enforceable unless there is a signed writing by the party against whom enforcement is sought. As no such contract exists between myself and XXXX XXXX XXXX XXXX XXXX, I assert that I am not bound by any purported contractual obligations. 

Additionally, the reporting of this account constitutes aggravated identity theft under 18 USC 1028A. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to this alleged obligation. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. 

Furthermore, I hold the credit reporting agency accountable for failing to investigate the accuracy of this account prior to allowing it to be falsely placed on my report. This failure to verify the legitimacy of the account violates the FCRA 's requirement for maximum possible accuracy in credit reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-08-09 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-09 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
There are XXXX separate Bankruptcies on my credit reports which were added by unauthorized sources. XXXX Bankruptcies from XXXX show as dismissed & XXXX Bankruptcy form XXXX shows as XXXX. These Bankruptcy histories must be verified by the state of Utah or by all the original creditors included in them ; as stated in the fair credit reporting act. I have called the state of Utah and they have informed me that they do not report bankruptcy information to the credit bureaus. 
Therefore I have requested that these Bankruptcies shown on my credit report must be verified by all the original creditors included in the bankruptcies. If this information can not be verified by the original creditors then this information is incorrect and it needs to be removed from my credit reports right away.

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have hard inquiries from XXXX XXXX and JPMCB Card service that I did not authorize and want them took off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 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:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX bal. {$7700.00} XXXX XXXX XXXX {$5800.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and 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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I read from a blogger, US bank offering a XXXX $ cash bonus when you opened a new account and do direct deposit from government agency for XXXX dollars within 90 days, then you can get XXXX $ cash bonus. 
I opened the account over the phone with a bank customer service representative, I completely XXXX direct deposit requirement. I was told bonus will be credit to my account XXXX after I deposit the qualifying fund. I never received the cash bonus, I emailed their XXXX office on XX/XX/XXXX, I got a piece of mail XX/XX/XXXX, stating I am not qualified due to the direct deposit was not from government agency. I called the CEO office, was told they need another XXXX to investigate. I spoke to a representative from the Presidents office, now I was told, because I previously had a account with US bank, therefore I was not qualified, so in my opinion, US bank just has no intention to up keep the bonus, playing games, just want to find reason to deny customer. I told the representative from the XXXX office, the agent opened the account for me did not said that having a previous account would disqualify the bonus. 
He said it is the consumers responsibility to find out, now I found out, after I meet my requirements. It is not right, US bank need to deposit the XXXX $ cash bonus to my account. Please right the wrong. 

Thank you

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