vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: U.S. BANCORP
State: IL

Complaint narrative:
I have XXXX US Bank XXXX XXXX XXXX credit cards. The XXXX  card was opened last XXXX, and there was a signup promotion of XXXX miles upon spending {$5000.00}. The terms did not have any restrictions on existing customers with the same product. They approved the XXXX  credit card, and I spent {$5000.00} by XXXX. 

Even after spending {$5000.00}, I did not get the promised XXXX miles, so I contacted the US Bank. A few weeks later, they sent me a letter saying that the sign-up bonus was now offered to customers who did not receive the same sign-up bonus for the last XXXX years. 

I saw that the same XXXX business credit card had updated the terms to have this statement for new applications. I called the US Bank customer service again, and someone told me that she could find a document dated XX/XX/XXXX saying the same rule, and they were applying the new rules to those who applied for the card before XX/XX/XXXX. 

While I understand that the US Bank can change terms at any time, can they apply the changed sign-up rules to the customers who applied for the card before the change of the application rule? I also did not receive any notification from the US Bank regarding this change. 

I hope that the US Bank will honor the promised they made through the application terms and provide the affected customers with the promised sign-up miles. 

Previous term statement : Previous accounts closed within the last XXXX  months will be reopened and no enrollment miles will be awarded. 

New term statement : Existing or previous XXXX XXXX XXXX XXXX  cardmembers are not eligible if you have

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 monetary relief
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX -bal {$800.00}, XXXX - bal {$1600.00} XXXX - bal {$1200.00} XXXX - bal - {$0.00}

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 2024-08-18 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: TX

Complaint narrative:
I recently received an alert and checked my credit report and noticed that inquiries are reporting that i don't recognize.

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 2024-08-18 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:
I recently received an alert and checked my credit report and noticed that inquiries are reporting that i don't recognize.

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 2024-08-18 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: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX Progress balance {$200.00} verification of false debt requested by me XXXX XXXX XXXX balance {$2000.00} verification of false debt requested by me XXXX XXXX XXXX balance {$140.00} removal of incorrect information requested XXXX XXXX {$720.00} card stolen information stolen false account One Main balance $ XXXXverification of false debt requested by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I received an email from Affirm informing me that a cybersecurity incident occurred with XXXX XXXX and XXXX, one of Affirms partners. The email stated personal I information may have been compromised but that your affirm card is still working and safe to use. Next email was received on XX/XX/year> from Affirm stated I would receive a notice from XXXX XXXX XXXX XXXX  and To summarize, a cybercriminal organization illegally accessed and obtained some personal information about Evolve retail bank 's customers and those of its financial technology partners, which include Affirm. For Affirm Card users, this means that your personal information may have been inappropriately accessed as a result of this incident. The third email on XX/XX/year> was received by XXXX XXXX XXXX XXXX informing me of the Data Breach, The last purchase I made with my Affirm card was on XX/XX/year> and less than XXXX hours after the transaction, I find out I can not request a payment plan and my available to purchase amount was XXXX. I emailed Affirm on XX/XX/year> and didnt receive a reply until XX/XX/year>. I responded back and again, no response. I called Affirm on XX/XX/year> and got no help from a representative. They told me I could call back in XXXX business days for an update of my account status. As of today XX/XX/year>, I have no ability to buy anything through Affirm and my account has not been updated since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I noticed that a discharged XXXX XXXX bankruptcy is still being reported on my credit report. Per the Fair Credit Reporting Act ( FCRA ), this bankruptcy should no longer appear on my report as it has been discharged. Additionally, the account in question was included in my bankruptcy and should not be reported as an active or delinquent account. 

I took the following actions : [ list any steps you took, such as contacting the credit reporting agency or disputing the item online ]. Despite these efforts, the bankruptcy and the included account remain on my report, negatively affecting my credit. 

I request that you remove this discharged bankruptcy and the associated account from my credit report immediately, as they are no longer accurate or compliant with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
The account wasn't mine, and asked for validation proof

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 2024-08-18 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: FL

Complaint narrative:
Concern about information showing on the credit reports that are inaccuracies, not 100 % accuracies according to FCRA Fair Credit Report Act should show accuracies of information reporting under congress title ( 15USC1681A ) needed to ensure that a consumer agency exercises their great reasonabilities with fairness, impartiality at respect for the consumer rights to PRIVACY!!! I demand the deletion of all personally identifiable information from consumer credit reports except for as following : Title ( 15USC1681S,2 ) permissible of furnishing of information to a consumer reporting agency ( A ) duty of furnishing of information to provide accurate information ( 1 ) proportional ( A ) report with actuarial knowledge of errors a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate person making the report ( 15USC1681section 602A ) states I have a right to PRIVACY as a consumer it state you may not furnish any account without my written permission/authorization instructions ( 15USC1681section 64A ) with title ( 15USC1681E, B ) which state maximum possible accuracy of the information concerning the individual report.

Remove the accounts listed below under this title ( 15USC6802 ) from consumer to third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/year> I noticed my identity was stolen from my Experian credit report, because I noticed it is unknown charges made to my account, which effected my XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-18 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2024 I notice an account on my credit report listed as Affirm INC Account number XXXX, I immediately contacted the company provided my information but nothing was found. The represented said they would open an investigation that could take XXXX days. This account was open via identity theft this is not my account and I demand that this account along with the late payment associated be removed. I've contacted the company and XXXX this account needs to be removed due to identity theft. 
Under these laws 15 U.S. Code 1681c2 ( a- - Block of information resulting from identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S Code 6802 15 U.S. Code 1666a - Regulation of credit reports In demand that this account is removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
I recently received an alert and checked my credit report and noticed that inquiries are reporting that i don't recognize.

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 2024-08-18 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:
I am now requesting proof of the prior investigation from XXXX XXXX. Im asking that you send your method of investigation along with all the records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information within 15 days, update my account to PAId/NEVER LATE and send me a copy of my updated credit report. 

The late reporting occurred XX/XX/year>.

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 2024-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Possible Financial Inc
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Possible financial XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 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. 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.Sincerely

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I was scheduling my credit card payment on my online banking payment tool. I was confused about the balance that my Citi Credit Card ( XXXX  Advantage ) had on my statement closing on XX/XX/XXXX since I had requested a Citi XXXX  Plan for a travel purchase I did the month before. The statement stated a figure of {$8000.00} for the total balance to pay, however, when looking at all my purchases for that month, the total of those transactions only amounted to {$5300.00}. I was confused about these XXXX inconsistencies and I called the Citi Card customer service to ask for an explanation. The representative that answered the phone was very rude and clearly did not know how to explain why the balance reflected on the statement was {$8000.00}, however my payment due was {$5800.00} rather. I had to download all my transactions into XXXX XXXX, sum them all up and include the Citi XXXX payment that the representative told me was {$450.00} to come up with the {$5800.00} that was due for that month. If the payment due for that month was {$5800.00}, then the statement should reflect that amount, not {$8000.00}. I feel this is a deceptive practice to customers, as it's confusing and does not reflect the reality of what the actual payment is. If I don't do my own due diligence I would have pay {$8000.00} instead of the {$5800.00}. The Citi XXXX  Plan is an option Citibank offers to pay for larger purchases over time. It's sort of like a credit facility and therefore Citibank should have a proper statement for that particular plan or have their regular statement be clear enough to customers on the details of the XXXX  Plan. The information is very confusing and deceiving.

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 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am a victim of XXXX XXXX  of XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am a victim of XXXX XXXX of XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation