vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
Account was opened with US bank in second week of XXXX. Per their terms, {$600.00} bonus was offered upon opening an account and satisfying the conditions of direct deposit and enrollment in the online banking. 

Both conditions were satisfied in the timely manner. There was 60 day period to receive the bonus after conditions were met. I reached out to US bank 4 months after account opening and I was told that I have already met the conditions and do not need to take any action. Bonus will be deposited once account goes through review process. 

I reached out to US bank on XX/XX/year> again, they verified and told me again that account was eligible for bonus based on completed activities and should have received the bonus. I was asked to wait 3 to 5 business days to receive the bonus. Today, it is 5 days completed and my account is still not credited with bonus that was promised. It is also take note that US bank is will outside of their promised processing times and this is unnecessary burden on the customer to try to get the bonus promised by the bank to lure customers to open an account.

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 2024-09-16 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus violate 15 USC 1681 by sharing and reporting my private information and that information is not validated and is wrong. I asked all 3 major bureaus with a certified letter to validate the XXXX  on my report and to do so within 30 days of receipt of the letter and they did not comply nor did they remove the inaccurate information. Here is exactly what I requested in the certified letter when I requested that they verify the accuracy of the XXXX found on my report : ( method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the XXXX ). It was also requested that this information be removed if they could not validate it within 30 days. They have not given me the requested information nor have they removed the information. My information was leaked by these companies who should never have had access to, shared, or used incorrect information to gauge my credit worthiness. This is a HUGE violation of my rights.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX Bank of America withdrew {$450.00} from my checking account at their institution. The stated withdrawal was for 'recovery for forced closed account '. The account that has presumably been closed is not an account of mine. I can not /could not ever access the account and it is associated with another person. The only common link is that both the accounts are linked to my mother in some way ( she was a co-owner of my account when it was opened in XXXX under my name and XXXX when I was XXXX XXXX XXXX ). 

I have contacted Bank of AmericXXXX and even attempted to escalate the issue via phone call. 

Currently, they are unwilling to reverse/remove the charge from my account and state is is valid because someone owes them money. They also can not provide me information about the other account ( that owes/closed/etc. ) because it is not registered to me ( as one would expect ).

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
In XXXX of 2024 Vectra Bank closed my accounts and removed all of my online access to my accounts, without cause. 
I understand this is within their rights to do so as part of the agreement ; that's not the complaint. 
I have since requested they send me my bank statements, no less than a dozen times now, and the continue to refuse to send or provide me my bank statements, and have not provided any reason for this.

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 2024-09-16 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have hard inquiries on my credit file I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My latest credit report contains several accounts that appear to be fraudulent and were added without my knowledge.

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 2024-09-16 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: 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.

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 2024-09-16 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: VA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-09-16 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: VA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-09-16 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: IL

Complaint narrative:
I am writing to formally request the removal of a bankruptcy entry from my credit profile. After speaking with the U.S. Bankruptcy Court, I was informed that they do not report bankruptcy information to any credit bureaus. As such, the bankruptcy listed on my credit report appears to be an error.I have attached written confirmation from the U.S. Bankruptcy Court, which supports my claim. Additionally, I have included a copy of my identification and Social Security card for verification purposes.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX of XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, XXXX XXXX and Chrysler Captial also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other three banks. I got a letter from the dealership but when I contacted XXXX, XXXX and Chrysler they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, XXXX XXXX Chrysler ). I contacted all 3 banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, Stellantis Financial and XXXX XXXX also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other XXXX banks. I got a letter from the dealership but when I contacted XXXX, Stellantis and XXXX they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, Stellantis XXXX XXXX ). I contacted all XXXX banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-16 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: EdFinancial Services
State: AL

Complaint narrative:
XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX  XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, ELAN FINANCIAL SERVICE, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. 3 Bureau Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and XXXX XXXX XXXX XXXX XXXX ] : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: U.S. BANCORP
State: AL

Complaint narrative:
First Progressive, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. XXXX XXXX Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and 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 2024-09-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a late payment for XXXXXXXX XXXX XXXX for a 6 month consumer loan ; this late payment is not accurate and never occurred. I've disputed this multiple times, and the lender has responded by confirming the inaccurate information, and Equifax has now been publishing demonstrably incorrect information onto my credit file. 
I've attempted discussing this with them directly but nothing has resulted in them correcting the credit file or explaining why they're publishing incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally request the removal of a collection account from my credit report, based on guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. Below are the details of the account in question : Account Information : Collection Agency Name : LVNV FUNDING LLC Reason for Removal Request : 1. Violation of FDCPA ( 15 U.S.C. 1692c ) : Under 15 U.S.C. 1692c, debt collectors are restricted in how and when they can communicate with consumers. The collection agency has violated this provision, such as unauthorized communication, improper notification, and other relevant reporting issues. Additionally, LVNV FUNDING LLC has recently reached out vis US mail asking for settlement after they have been told previously to stop.

2. CFPB Guidance : The CFPB provides oversight and guidance on consumer reporting protection related to debt collection practices. This collection agency failed to adhere to consumer protection standards set forth by both CFPB and FDCPA guidelines. The regulation is clearly states : Consumer Report. A consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : 1. credit or insurance to be used primarily for personal, family, or household purposes ; 2. employment purposes ; or 3. any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ).

I respectfully request that you investigate this matter and remove the collection account from my credit report. Please confirm receipt of this letter and provide me with a written update regarding the status of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
good morning< my name is XXXX XXXX, I'm actually trying to fix my credit and currently working with a financial institution that recommended self credit builders, I opened and account but in the website and the way they word it its a savings account witch its because its a cd but they're charging me a XXXX XXXX on my own money that I deposit, so its a cd with the bank lend money to someone else that they charge interest on but they're charging me double or triple on interest on my own money and on top of that they way they reported to the credit bureau its like I have a valance of {$510.00} with it will be the tenth of XXXX  months making a {$25.00} monthly payment. Its a shame that financial institutions take advantage of people with bad credit when literally they work with credit bureau so consumers don't have good credit because how can it be possible you make a payment of {$500.00} 0n your account and you earn XXXX points but you over spend XXXX on your credit card and automatitly drop XXXX points.

Company response to consumer: Closed with explanation