vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
XX/XX/XXXX : Opened a US Bank XXXX Checking account with a {$250.00} deposit using promo code XXXX from the link attached to the below advertisement ** Open your checking account online through this page, in a branch or over the phone by XXXX with an opening deposit of {$25.00}. Then within 90 days of account opening, enroll in the U.S.Bank Mobile App or online banking and make at least two direct deposits. 
Earn {$300.00} when the combined total of your direct deposits is between {$5000.00} and {$9900.00}. 
Earn {$500.00} when the combined total of your direct deposits is {$10000.00} or more. 
** XX/XX/XXXX : Called US Bank support to confirm the above promotion was attached to my account and that I was eligible. 

XX/XX/XXXX : Received first direct deposit totaling {$5000.00} XX/XX/XXXX : Received second direct deposit totaling {$5000.00} XX/XX/XXXX : Called US Bank at XXXX ( XXXX ) XXXX to check on the status of my bonus and was told that since I did meet the requirements a request to post my bonus would be sent and that it should appear in my account within 3-5 business days. 

XXXX XXXX, XXXX : Called US Bank back since the bonus had not posted and I was told that I was ineligible because I had an open checking account with US Bank before. After mentioning that Id never gotten a US bank promotion or ever had an account I was told that they did open two for me back in 2022 that made me ineligible even though I could never access these alleged accounts. 

I attempted to open a checking account with US Bank for the first time in XX/XX/XXXX. However, I encountered issues during the process. Despite receiving requests to fund an account, I couldn't proceed as the funding page consistently resulted in errors, prompting me to call customer support. 

Upon contacting customer support, I was informed that my application was on hold pending an address verification. I complied with their request to fax a picture of my ID, but after a week of no response, I followed up. I was then told that my application was under review. When I asked to simply create a login since I was being prompted to set up funding information, I was informed that I had to wait as there was nothing to attach a login to. 

Now, more than a year later, after meeting the requirements and being assured of my eligibility, I'm being informed that I don't qualify due to having two accounts in the past. This information would have been crucial to know before being told I qualified and before meeting the requirements. As evidence that I never had an active US Bank checking account, I'm attaching two emails from 2022 stating that my account could not be opened.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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 2024-05-07 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: PA

Complaint narrative:
FCRA 605B may necessitate the removal of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CL Holdings LLC
State: FL

Complaint narrative:
i have contacted the credit bureau companies and trhey are simply ignoring my letters and calls from wrong addresses, jobs, names and i alos sent in these accounts and nothing.- 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
Despite my multiple attempts to rectify this matter, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and financial standing. 

The continued presence of these fraudulent items on my credit report has caused significant hardship, including denial of credit opportunities and undue financial burden. I am deeply frustrated by the lack of progress and the failure of the credit reporting agencies to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I urge that you to intervene on my behalf and ensure that the credit reporting agencies promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' negligence in addressing this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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 follow up on the ongoing issue regarding the removal of charge-off accounts from my credit report. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of inaccurate charge-off accounts on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these inaccurate charge-off accounts from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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 follow up on the ongoing issue regarding the removal of charge-off accounts from my credit report. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of inaccurate charge-off accounts on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these inaccurate charge-off accounts from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. With this, I am asking for your assistance to remove these accounts in my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They said I was denied bc they wanted my ssn and I told them no I don't have to use my ssn to open up a private trust account they said they can't so it without so thus tells me they want to use my private information to so what they wanted they have copies of my trust ein number and I don't want them using it to make money

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 2024-05-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly remove these inquiries. I am not aware of them, and they were conducted by the company without my permission.

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 2024-05-07 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: PA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2024-05-07 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: PA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
The debt of {$1700.00} appears to be owed but it doesnt belong to me. Ive tried several times to settle this matter but nothing has happened. Ive contacted the debt caller but nothing was done. Its not my 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 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
Despite my multiple attempts to rectify this matter, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and financial standing. 

The continued presence of these fraudulent items on my credit report has caused significant hardship, including denial of credit opportunities and undue financial burden. I am deeply frustrated by the lack of progress and the failure of the credit reporting agencies to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I urge that you to intervene on my behalf and ensure that the credit reporting agencies promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' negligence in addressing this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I bought a couch at the Macy 's XXXX store in XXXX in XXXX of XXXX. The store told me there would be XXXX  interest if payments are made in full before the promotional XXXX year no interest date. 

I made monthly {$200.00} dollar payments. XXXX days before the promotion 's XXXX  year no interest deferment date, I pay off the entire balance left of {$1100.00} on XX/XX/XXXX. 

I confirmed with the Macy 's American Express representative that the balance was at XXXX, and there would be no deferred interest applied to my Macy 's credit card. 

She confirmed my account was at XXXX. 

Months later, I start receiving Macy 's bills for all the deferred interest. I contacted the Macy 's credit department again and spoke to a representative. I told her I paid it in full before the promotional XXXX year no interest deadline. She told me to just wait for it to drop next month. The bill did not update. I waited for the next month and the bill continued to reflect all the deferred interest. I called the XXXX XXXX XXXX department and told them this is paid off. I notified my credit and filed a dispute with XXXX and XXXX. The Macy 's balance seemed to be removed from my credit and reflected a XXXX balance. I thought everything was good. 

This year, I received a notice from Collections, saying I owed almost XXXX to Macy 's. This is not my fault. There is a lag time between Macy 's Customer Service Credit department and their Finance department. The account was paid in full, on time. I will not be paying any deferred interest and intend to take legal action against Macy 's to restore my good credit standing. Macy 's is negligent in updating timely payment transactions and causing me undue stress and ruining my credit. Bank statement with proof of payment is attached to this complaint.

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 2024-05-07 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: PR

Complaint narrative:
I am writing to dispute a late payment entry on my credit report regarding my XXXX  XXXX XXXX account XXXX. The late payment is inaccurately reported, and I request its removal from my credit report. 

Account Details : Account Number : XXXX Account Type : Revolving account Account Status : Open Date Opened : XX/XX/XXXX Balance : {$0.00} Credit Limit : {$500.00} Issue : The late payment entry reported for the month of XXXX, XXXX inaccurately reflects my payment history. According to my records and the account history provided, I have consistently maintained timely payments for this account. There is no record of a missed or late payment for the period in question. 

Requested Action : I respectfully request to conduct a thorough investigation into this matter and promptly remove the inaccurate late payment entry from my credit report. This incorrect information is negatively impacting my credit score and financial standing, and its removal is crucial for an accurate representation of my creditworthiness. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I requested that this late payment 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 2024-05-07 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: PA

Complaint narrative:
I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've always made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief