vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Inquiries Needs to be removed do not have an account XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX, I received an alert from the credit bureaus that I had received a 30 day late. When I went to see where it was coming from, I discovered it was with TD Bank/Target credit card. I immediately logged in to make a payment, as I had no idea my account past due. I contacted customer service because I was concerned since I had received no communication from the bank notifying me of any late status. Customer service reversed the late charges and stated that they remove the 30 day late from my report. That was in XXXX. I called back again in XXXX because nothing had updated. The guy said their internal department was looking into it and that I needed to give it time. It is now XXXX. I called again just to be told again internal department is looking into it. No one is looking into anything. No one is addressing my concerns. No one is fixing my report. Ive sent dispute after dispute. I was told that they had to remove the late fees in order to remove the late notice with credit bureaus. They still have not carried out their word. No one will let me speak with a manager. It is taking them longer than 30 days to update my report. They keep saying they are investigating and then nothing happens. I receive absolutely no communication from them just like when they reported me late. There was no communication informing me I had a balance. No communication informing me payment was missed. No mail, no phone call, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen and used I paid off the debt to be removed from 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
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer to rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) Sections 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 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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: IL

Complaint narrative:
I opened a US Bank Checking account on XX/XX/XXXX, and signed up for a promotional bonus advertised by US Bank. The terms of the bonus ( which I have attached ) state that when the following requirements are met, I will receive a {$400.00} bonus. I met all the requirements ( as proven in the attached document detailing my transactions ), but have still not received the bonus : -Enroll in online banking - OK -Deposit at least $ XXXX within 30 days - OK -Make 5 transactions within 60 days ( debit, XXXX, checks ) - OK -Keep $ XXXX for 60 days ( until XX/XX/XXXX ) - OK -Get bonus within 45 days ( by XX/XX/XXXX ) - Still waiting I called shortly after opening the account and was told I successfully enrolled in the bonus. 

After the 60 days were met, I called again and was told that I should receive the bonus soon. 

I then called again XX/XX/XXXX, and received a call back on XX/XX/XXXX, and was told that I indeed met all the requirements, but that I won't receive the bonus until at least the end of May, which is another 5 weeks from today. 

Per the terms, the bonus was promised by no later than 105 days, which for me is XX/XX/XXXX. 

I am now filing this complaint because I have no faith that US Bank will honor the terms it laid out in the agreement. 

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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GATEWAY FIRST BANK
State: CA

Complaint narrative:
I was approved and opened a new checking account from Gateway First Bank on XX/XX/23. There is a promotion for {$250.00} for the checking account once you meet certain requirements. While trying to complete the process to meet the bonus requirements I first successfully transferred {$270.00} to open the account and the amount posted to my Gateway First Bank Checking account. 

On XX/XX/23 I checked my account on the app and online and saw that my account was no longer there and there was not notification or message from the bank of what happened. 

This bank approved me to open the account with a {$250.00} bonus attached and then closed my account with no notification and received all my personal information and still have my initial deposit of {$270.00} not stating what will happen to that. They misled me to open the account because of the bonus and approved it but then closed it after taking my information and deposit with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I had a balance transfer offer on my account for 0 % for 15 months. I proceeded to transfer {$5000.00} from another card which posted to my Capital One account on XX/XX/XXXX, and I was charged a 3 % fee. When I received my new statement on XX/XX/XXXX, I had {$160.00} of interest charges ( based on the entire balance of the account ). I called Capital One and they stated that the offer I used was based on 15 month from the date I opened the account in XX/XX/XXXX. I questioned why an offer from that long ago would still show up a month or two before the promotion ran out, because it makes no sense for me to pay a fee to transfer my balance for that short of time. I also stated that I felt it was extremely deceptive to have an offer available like that. The person I was speaking with told me there was nothing they could do, as did the supervisor I asked to speak with. The statements don't show a date that the promo balance expired so I didn't realize I was accumulating interest until the new statement arrived, so now I've paid a {$150.00} transfer fee and {$160.00} in interest when I would have transferred the balance to a different card had I realized what was happening. I'm sure the dates were listed on the offer, but being XXXX, and considering these offers widely expire after XXXX of account opening, I thought I had close to the full 15 months. Now I am paying another fee to transfer to a different card only a few months later!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently disputed the following accounts that were reporting inaccurate misinformationon my consumer file, and youseem to have mistakenly verified them as accurate. Maybe the source is unreliable, but i need you to perform a reinvestigation into these accounts and delete them immediately

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to submit a dispute regarding several items on my credit report that are incorrect. On XX/XX/XXXX, I contacted Experian about these inaccuracies, but to date, I have not received a response. Therefore, I am submitting this complaint to the CFPB for further review. 
The following are the items on my credit report that I am disputing : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4700.00} ) account - The reported Balance of {$4700.00} is inaccurate, and I do not recall owing such a high amount. The account is closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I request that your bureau verifies the account, and mark it as disputed until the matter is resolved. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account - The Balance of {$1700.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. I dispute the whole account and request that you verify the Date Opened and Date of First Delinquency. 
COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ) account - The information presented on this account is inaccurate. The original creditor on this account is a distinct company than the one you indicate. The Balance of {$2400.00} is erroneous, and I dispute this account. I also request verification of the Date Opened and Date of First Delinquency. 
XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) account - This account is not mine, and I request that you remove it from my credit report. 
XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) account - The Balance of {$470.00} that you report is inaccurate, and I believe it should be a lower amount. This account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed, and verify the Date Opened, Date of Status, and First Reported. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) account - The Balance of {$1900.00} is higher than the amount I remember owing. This account is closed, and the Past Due amount should not be provided. I request that you report the account as disputed while I attempt to resolve the issue with the creditor. 
XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ) account - The Balance of {$690.00} is higher than the amount I remember owing. This account is closed and charged-off, and the Past Due amount should be removed. Please mark this account as disputed until the reported data is clarified.

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX account to Signature Bank at the instructions of the scammers.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: NM

Complaint narrative:
I ordered car online today XX/XX/2023 vehicle promised available to be picked up tomorrow XX/XX/2023 in XXXX NM from retailer Carvana. Down payment on XXXX advertising at {$0.00} down then after initiating purchase down payment goes up to XXXX XXXX Usc 1662 B violation Of truth in lending act # 1. After completing purchase car is suddenly available a week later then original date- TILA violations # 2 misleading and misrepresentation. Then I proceeded to sign Retail purchase agreement contract wich after reviewing contracts noticed all paperwork post dated 1 week in future with only actual documents indicating actual date signed is the 7 day return policy contract making 7 day return window consistently intentionaly expired on date of delivery making cars essentially no longer eligible for return- Truth in lending violation # 3. Also Carvana is not even selling used cars in wich they poses title for in state of NM used dealers must own vehicles sold title on site XXXX and Carvana not conducting buisness according to state law. Additionaly You can pay for a vehicle on Carvana website and vehicle is still offered. For sale by XXXX after giving Carvana over XXXX XXXX dollars. My newly purchased XXXX is still listed for sale at XXXX right this very second meaning XXXX could potentially sell my car before I get a chance to take delivery or some random person could potentially take car I just purchased out on test drive etc. Im not an expert but pretty sure that they are not operating lawfully under Truth in lending or FCRA standards. Extended me credit until I complained then revoked offer of credit before offer expiration. Contracts say it all. Unable to load contracts so I am going to submit another claim so that contracts may be attached to this complaint be advised I am making additional complaint to attach contracts not duplicate claim is to be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Bankruptcy Account : US BKPT CT AL XXXXXXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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