vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: VA

Complaint narrative:
On or about XX/XX/2023, I upgraded my XXXX XXXX Credit Card with Chase bank to the XXXX XXXX XXXX Credit Card with Chase Bank. 

The offer I was presented with, to which I spoke extensively with a representative, referred to the following offer : -- XXXX bonus miles : after you spend {$5000.00} in purchases during the first 3 months your account is open. 
-- These card products are available to you if you do not have the same card and have not received a new cardmember bonus for that card in the past 24 months. 

The Chase Agent assured me that as I had never upgraded a card in 12 years, nor had I ever possessed this specific card, that this upgrade was eligible for the new card XXXX point bonus upon spending {$5000.00} within 3 months ( this conversation took place on a recorded line ). 

A friend of mine also signed up for the same bonus, on the same credit card, on the same day, and had a countdown showing how much more was needed to spend towards the {$5000.00} to qualify for the XXXX point bonus. My account did NOT show the same information which prompted me to call Chase. 

I was told by Chase that the plan I was on for upgrading my card was actually only eligible for XXXX bonus points. I requested they pull up the recordings from approximately 10 days prior as I was told differently when applying for the card. I was told I would receive a letter informing me of the decision. Shortly after XX/XX/2023, I received the attached letter informing me I was ineligible for the bonus miles. This was a bait and switch and therefore illegal. 

The main reason I applied for and obtained this card was based on the assurance I would receive the bonus miles. Had a Chase employee not assured me I was eligible for the bonus, I likely would not have upgraded to this card. There is a substantial change in yearly payment as well, from {$95.00} to {$520.00}. 

At this time, I do not wish to downgrade back to my original card, I would like to be awarded the XXXX points I am due upon spending the requisite amount and an additional XXXX for the inconvenience obtaining what I am entitled to has caused me. I have already spent almost {$3000.00} of the {$5000.00} required due by end of XXXX, 2023. I will likely reach that by the end of XXXX, 2023. 

I have a {$15000.00} limit on this card and spend it every year very actively, and pay it off every month. I have been a cardholder with Chase for over 12 years and would expect better from a bank that has had my loyalty for all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Equifax did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX reporting in XXXX and XXXX of account being open. DELETE XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in compliance with their own standards that they set in place. A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance. You are not in compliance. This information is not accurate across all three bureaus, nor is it complete.Remove all listed accounts immediately or legal action will be taken. 




In sum, a report must be factually, incorrect objectively likely to mislead its intended user, or both to violate the maximum accuracy standard of the fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. ; is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to pro that proof, or if lacking proof of these payments being late. please update my_payment history XXXX status Stop trying to get late payments consumer protection laws

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 2023-07-01 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: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-01 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: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. BANCORP
State: MS

Complaint narrative:
I received an offer for U.S. Bank Payment Solutions merchant services. I applied around XXXX and was accepted between XXXX XXXX which met the requirement to signup by XX/XX/XXXX. I received and settled a payment on XX/XX/XXXX which met the requirement of receiving and settling a payment within the first 60 days of opening the merchant acct. It says within 45 days of settlement verification I would receive a bonus of {$600.00}. It has been over 90 days and no bonus provided. I called U.S. Bank several times. The first time I was offered a callback. No one called. I called and spoke to at least 5 agents who transferred me to XXXX and XXXX with all of the former claiming the adjustment was to come directly from U.S. Bank. They have misled and provided deceptive marketing and not wanting to follow through after meeting requirements. I have attempted to work with them and they continuously pass me off to the next person. One agent said they saw something pending and to hold on and just transferred me to another person.

Existing customers : Limit of one Payment Solutions Merchant bonus per business. This offer is only valid for the business checking account referenced in this letter and is not transferable. To earn {$600.00} payment solutions bonus offer, you must open a new a U.S. Bank Payment Solutions Merchant account by XX/XX/XXXX and accept and settle a transaction into your U.S. Bank Business Checking account referenced in this letter within 60 days of the open date of your payment solutions account. The payment solutions bonus will be deposited into your existing U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express closed my XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2023. American Express continues to hold {$770.00} of my money. American Express has made no attempt to refund the outstanding balance and holds my money without crediting any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 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: IL

Complaint narrative:
This is my 11th 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 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 2023-07-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and XXXX so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.

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 2023-07-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and Experian so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.

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 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Your agency/agencies did not account for I being a man the XXXX XXXX as the XXXX XXXX is only visible on the limb of my person. They discriminated In refusing to apply equal credit opportunity act to accounts and I request assistance in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: HI

Complaint narrative:
Transunion has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Transunion and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.

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 2023-07-01 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX , CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.

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 2023-07-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.

Company response to consumer: Closed with non-monetary relief