vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was on a XXXX XXXX flight, number XXXX from XXXX, FL to XXXX, TX. Right before we were starting the descent path into XXXX, the flight attendant made their service announcement about a one of a time special offer regarding the XXXX credit card. On this announcement, they said that this had never been done before and that for anyone who would apply for the XXXX credit card, that they would get an additional XXXX miles on top of the XXXX miles that came with the credit card. 

Besides this, they also stated that we would get 24 flights at the cost of just XXXX miles per flight, as long as the flights originated in XXXX to any other destination or fly into XXXX. In this regards, they announced that flying from XXXX to XXXX XXXX would cost just XXXX miles each way. 

In their speech, they also stated that were would be no fees associated with the credit card and that their XXXX was among the lowest in the industry ; however, they never mentioned what was the average. 

Having heard all this, and the offer to fly into XXXX XXXX from XXXX at just XXXX miles per fligh, I decided to apply for their credit card as this was a great offer to me. To my surprise, when the credit card arrived home, I realize that everything that was mentioned on that flight by the flight attendants were complete lies and false advertisement. The credit card is not free, there is a {$79.00} annual fee ; their APR is not among the lowest in the industry since their APR is a whopping 28.24 % and there were no free miles unless the credit card holder would make {$1000.00} worth of purchases within 90 days of account opening. 

Feeling fooled by their sales tactics and lies, I contacted XXXX XXXX and they told me that such promotion did not exist and that the only option was for me to go to the airport and speak to a representative at the airport about this offer that was made on my flight back home. Feeling devastated that I had to go into an airport to complain with a ticket agent, I proceeded to XXXX XXXX XXXX XXXX today, who is the issuer of the XXXX credit card to complain about this and they told me that there was nothing they could do for me. That all they could do was to close my account, but knowing how bank operates, I said to the representative that doing so would have a negative impact of my credit report and score to which he acknowledged that it would.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: EZ Financing Inc
State: IN

Complaint narrative:
On XX/XX/year> legal tender of payment was signed and accepted by XXXX XXXX XXXX XXXX XXXX Pursuant to Indiana Code 26-1-3.1-603, tender of payment for the full amount was refused by XXXX XXXX XXXX XXXX Pursuant to UCC 3-603, If payment is refused, discharge to the extent of the of the amount of the tender shall have the right of recourse. My payment was ignored and shredded according to General Manager XXXX XXXX. XXXX XXXX refused to give me back my rightful ownership of the vehicle. He also said that I gave him a payment he was unable to cash verified by his lawyers and bank manager at XXXX XXXX XXXX XXXX. 

Pursuant to 15 USC-1605 Determination of finance Charge, my credit was extended to XXXX XXXX XXXX and all sections below were violated due to dealer fraud. XXXX XXXX XXXX also mentioned that I be made the decision to not give me my vehicle back and that I would need to seek a new lender for the vehicle within 10 days. As the original creditor and securities lender to this transaction, this is dealer fraud.

Please see 12 CFR Part 1026.10 ( 4 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XX/XX/2024

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXX XXXX XXXX XXXX XXXXXXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00}.

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 non-monetary relief
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XX/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 2024-06-19 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
fraudulent accounts on credit report was told that items were removed $ XXXX XXXX {$23000.00}, XXXX XXXX {$60000.00} AND XXXXXXXX XXXX XXXX. Please block or remove accounts.

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 2024-06-19 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: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX Bank has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXXXXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my XXXX XXXX and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXXXXXX 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 2024-06-19 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: AL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-19 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I recently received a copy of my credit reporting noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize nor did I authorize these accounts. If I may speak freely. It angers me that an individual would steal my personal information to seek medical treatment. I have no knowledge of the listed facility. I'm hoping the this facility will be forced to provide documentation/proof of some sort so that I may prove this was not an action of mine so that this fraudulent account may be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information from my file. These items I am deleting are listed in the report. I am big team of identity theft and I did not make the charges. I reported the theft of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete these Items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer ID : XXXX Chex Systems INC XXXX XXXX XXXX XXXX, MN XXXX ID TYPE : Drivers License ID # : XXXX SSN : XXXX I am writing to request an investigation of the following information that appears on my Chex Systems XXXX report. I have never opened or used the following account numbers or inquiries : Bank : XXXX Bank ; XXXX XXXX XXXX, XXXX, PA XXXX ( Date of closure : XX/XX/XXXX ) Routing : XXXX Account : XXXX ; Routing : XXXX Account : XXXX Inquiries : XXXX XXXX A Part of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Citizens Financial Bank- XXXX XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX- date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX union- date XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- date XX/XX/XXXX XXXX XXXX- date XX/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 explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's 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