vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
This happened in XXXX before I knew who and how to report to ... .since loan companies were saying I was approved and wasnt I was directed to destiny credit card by XXXX  where it say automatic approval ... .it said sign and it would be in the mail ... never Happened and when I asked where my card was which was {$700.00} credit limit no fees I was told I wasnt approved dropping my score... I even got another one saying approved... I now have hard inquiries over deceptive advertising from loan companies and credit cards... .unfortunately I didnt screenshot all that ... now today XX/XX/13 I was sent another application but this one is far different from the rest ... .I guess they knew they pulled one on me... I'm so sick of these companies getting away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for jetblue plus card when booking a flight as I was offered XXXXXXXX XXXX points and XXXX credit off the flight I was booking if approved and spent XXXX dollars and paying the XXXX dollar annual fee. After applying was told decision could not be made immediately. Next day I was told I was approved and was able to book flight and get XXXX credit. However even though I spent the XXXX needed and paid the annual fee, I was never given the full XXXX points offered but rather XXXX. I contacted barclay who told me they can do nothing to contact jetblue, who tells me I need to contact barclay they can not do anything. And between tons of back and forths im told either yes this should be fixed I need to wait a few weeks and nothing happens or that I did not sign up for the XXXX points offer even though Ive showed them I clicked that exact offer. As promised due to their deceptive practices, you can see I am not the only one this has happened to I decided to cancel this card, but this needs to be reported and I still do believe Im owed the points as Ive had the card more than a year and have spent thousands on it, but have been only given less than half of what was promised and still owed XXXX points.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-14 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: EQUIFAX, INC.
State: TX

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 XXXX Acct # - XXXX, XXXX XXXX Acct # - XXXX XXXX  XXXX # XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX XXXX XXXX/XXXX/XXXX  Acct # XXXX, XXXX XXXX  Acct # - XXXX, XXXX XXXX Acct XXXX XXXX XXXX, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Never received verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I opened a new BMO Smart Advantage Account with an opening deposit of {$25.00} and used promotional code for $ XXXX {$600.00} opening bonus as long as I received $ XXXX in direct deposits within 120 days of opening the account. I met that requirement within 35 days. 

Yesterday ( XX/XX/XXXX ) I logged into the app and the account was there. On the XXXX of this month ( XX/XX/XXXX ) I received my semi-monthly work direct deposit. Today ( XX/XX/XXXX ), a day before the XXXX day, the account was closed and when I called I was told they do not know why but it was purged! 

I did receive an email statement this morning today ( XX/XX/XXXX ) for this checking account. 

BMO closed my account without reason a day before ( XX/XX/XXXX ) the XXXX day ( XX/XX/XXXX ) when I was supposed to receive it.

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 2024-02-14 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: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$180.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 Experian credit reporting is reporting this adress an i have call them four times to have them remove it the address is XXXX XXXX XXXX XXXX XXXX, IL 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IIn 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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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, 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 2024-02-14 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: FL

Complaint narrative:
IIn 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-14 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: VA

Complaint narrative:
For the month of XXXX XXXX XXXX XXXXXXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXXXXXX XXXX branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in three different payments, the XXXX  on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-14 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: Synovus Bank
State: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for unauthorized inquirys on my credit profile over 30 days ago and still no response from credit bureaus

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 2024-02-14 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: GA

Complaint narrative:
After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( 6 mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2024-02-14 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following items currently listed on my consumer report, as they have been reported without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 USC 1681b ( 2 ) : 1. XXXX XXXX Credit Card Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX ( Charged Off ) Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX XXXX Account Number : XXXX The information reported for these accounts is incomplete, inaccurate, and has been reported without my explicit written consent. This violates my rights under the FCRA, which clearly states that consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates ( 15 USC 1681b ( 2 ) ). 

Furthermore, the FCRA prohibits creditors from treating a payment on an account under an open-end consumer credit plan as late for any purpose ( 15 USC 1666b ). Therefore, any late payments reported for these accounts are also in violation of federal law.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm disputing accounts on my credit report due to identity theft and demand immediate resolution. Other bureaus and creditors have confirmed fraud, but your bureau 's reporting harms my credit ; investigate and remove the fraudulent account ( XXXX  XXXX XXXX ) promptly or face legal action. Provide written confirmation of the resolution.

Company response to consumer: Closed with explanation