vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: ID

Complaint narrative:
U.S. Bank Advertised to offer {$500.00} cash bonus for opening a new checking account on their website ( www.usbank.com ). I opened a new checking account through their website on XX/XX/XXXX. I printed the screenshot which showing their requirements and cash offer details while I was doing my checking account application online. I met all the requirements and I was eligible for {$500.00} cash bonus on XX/XX/XXXX. On their advisement, they said that they would deposit the cash bonus into the consumers checking account within 60 days. 90 days passed, I still didnt receive my {$500.00} cash bonus. I contacted their customer service center several times. At XXXX AM XXXX XXXX on XX/XX/XXXX, the customer service representative called me ( phone number : XXXX ( XXXX ) XXXX ) and told me that they did not want to give me the {$500.00} cash bonus because I didnt have a credit card or other accounts in their bank. I told the customer service representative that they did not have this kind of requirement on their check offer advertisement. The customer service representative just terminated the phone call.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want those accounts to be correct and updated and paid on time. I really hope that it will never happen again.

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 2023-04-06 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:
XX/XX/2021 XXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/2021 us small business administration this account was opened fraudulently this not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: IL

Complaint narrative:
XX/XX/2021 us small business administration this account was opened fraudulently this not my account please remove

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 2023-04-06 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: PA

Complaint narrative:
THEY HAVE INFORMATION ON MY CREDIT REPORT THAT NEEDS REMOVED.

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/2022 XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove

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 2023-04-06 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:
XX/XX/202XXXX XXXX  XXXX name this account was opened fraudulently this not my account please remove

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 2023-04-06 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: IL

Complaint narrative:
XX/XX/20XXXX XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have sent a pay to delete letter to debt collector ( Credence Resource Management LLC ) and I have had no response from the debt collector. I proposed a payment of {$130.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 confidentiality under 15 USC 1681. 

XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I have a collection amount for {$360.00} through Caine & Weiner law firm, representing Progressive XXXX. I can not find the full account number, only the first six digits, and those are XXXX. 

I did have progressive as my Car insurance provider, until XXXX of XXXX. After that, I switched to XXXX XXXX. Progressive opened a collection claim against me on XX/XX/. 
I have bank statements showing two payments, one on XX/XX/XXXX  for {$120.00}, and another on XX/XX/XXXX  for the same amount. 
My Progressive account number was XXXX. When I try to login to their website, they no longer allow me access to any of my previous payment information, or information concerning the cancellation date of the Insurance they provided. Considering Auto insurance companies don't insure you on credit, and also that I have two payments on my Bank statement after they initiated their collection, either some or all of that debt is incorrect. 
I would like the collection removed from my credit report, and if I do owe them something, I will pay it, but I need to be able to validate the debt against my records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 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: NC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
I borrowed {$2200.00} and theyre trying to charge me % XXXX just in interest alone skyrocketing the amount I owe to XXXX. I tried calling them to discuss paying off my loan in full with minimum interest but they didnt give a option or even a 3 month repayment plan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: IL

Complaint narrative:
XX/XX/2021 XXXXXXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: IL

Complaint narrative:
XX/XX/2021 XXXXXXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX Experian has stated this account/item was updated from our processing of your dispute in XXXX 2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on experian is XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, XXXX is reporting this last verified XX/XX/2023, nothing here on experian, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is Experian and XXXX verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on experian. and in the two-year payment history Experian is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW

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 2023-04-06 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:
XXXX/XXXX/XXXX  XXXX  this account was opened fraudulently this is not my account please remove

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 2023-04-06 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: IL

Complaint narrative:
XXXX/XXXXXXXX XXXX this account was opened fraudulently this is not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Hello I leased a used car through XXXX XXXX XXXX sales XXXX Tn. I purchased this with a credit lender Credit Acceptance back in XXXX. This loan was supposed to only be a {$8000.00} loan which the total of the car was {$6900.00} with the Lender giving the funds would equal an extra {$2000.00}. The loan now totals a {$18000.00} loan which I feel I have WELL over paid for this car which is a XXXX XXXX XXXX the remaining balance is {$6000.00}. The day that I purchased the car the car lot initially told me I would only need {$2000.00} down but I did end up giving a little more so that I could have a lower monthly payment. Which is actually far from the truth because the money is going towards interest and not the actual amount I owe. I have been paying this car off for almost XXXX years and when I went to pay off the remaining balance that my interest rate was 22.3 % which was never agreed on! I dont know how a {$7000.00} car is worth {$18000.00}! The lending company refuses to allow me to pay off the remaining balance. I have tried reaching out to multiple managers to settle my debt with them. Each month they are adding extra fees when I have well OVER PAID this car off. The car lot has now since went bankrupt and I have no way of refinancing or anything with this company. I am just wanting to settle with the company I have paid what the car is worth plus some. If there is anyone able to help me settle this dispute or if there is any refinance options please.

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 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX, I attempted to make additional payments of {$190.00} and {$64.00}. The XXXX system was unable to supposedly unable to process because of software problems. I assumed the payments had been canceled. Low and behold, the payments were processed and deducted from my bank accounts. I called a XXXX and explained the situation. She advised that payments would be credited to my account via ACH just as they were originally charged. Well, this was a lie. I called an spoke to another agent who advised that this was not their procedure and that a check was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received said check. I called again and spoke to a 3rd agent. Her response was that it would take 10-15 day to receive via USPS. Seriously? I recently mailed a letter to XXXX that was received within ( 3 ) days. 

Is the XXXX check going around the world or being delivered via XXXX XXXX? After receiving the message that the payments weren't going to be processed, I applied this money toward other bills. I am now having to used credit cards to pay for groceries and other personal items. I explained this to Agent # 3. Her response was they could cancel the check and apply the funds back toward the account. She said they couldn't cancel the check and process another because it was not withing their time parameters. 

I told her they should cancel and either XXXX or XXXX me a replacement. This was not an option and if so, I would have to supply them with account numbers and billing information. Really? They inconvenience me and expect me to make payment? As a goodwill gesture, they should bear the cost of expediting a replacement check. So now I am supposed to wait for the original check to be delivered ( whenever that might be ). 

This is not the first time I have problems with XXXX FS. But, it will be the last as I am going to trade the XXXX for another brand vehicle. 3 purchases from XXXX and this is the treatment I receive. Unacceptable, but I am at their mercy, even if they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
XX/XX/XXXX - contacted XXXX, XXXX, XXXX and XXXX at Aspire credit card company. 

Since XX/XX/XXXX I made a dispute request with aspire credit cards regarding a transaction for the amount of {$710.00} that was for XXXX XXXX XXXX. 

I have yet to receive a resolution or response for the dispute I made for the above transaction. I have called numerous times over the last year regarding the dispute that I had to wait around 3 to 4 months to receive the paper form to complete that can only be mailed to the consumer to request a dispute with supporting documentation and followed those steps. 


During XXXX the United States, Postal Service has been a nightmare, and everyone knows it. Im not the only individual that has seen a problem with delays. 

Just now I am being told that my dispute is not valid and in the timeframe of their parameters. 

I have a dispute, and the information that shows on credit card statements with aspire that the amount is in dispute and working on a resolution for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Over the past year and a half I have never received any response or been able to get a response from one of their associates one reaching out and has consumed numerous hours of my time with screenshots of 40 minutes 20 minutes an hour and a half trying to help get results of dispute. 


NO HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Please update my name to XXXX XXXX on my report and remove any other variation. 

Please remove the inquires you are showing on my report as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX, XXXX, XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted numerous documentations showing my current address and employer and name. Yet old information and incorrect names remains on 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