vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against JPMorgan Chase Bank regarding their failure to honor a promotional offer for a High-Yield Savings Account, as well as unfair account fees incurred during this process. 

Details of the Issue : On XX/XX/year>, I opened a Chase High-Yield Savings Account under a promotion that promised a {$100.00} bonus for maintaining a balance of {$5000.00} for 90 days. I fully complied with the promotional terms, ensuring that my balance did not drop below {$5000.00} for the required time period. Despite this, as of XX/XX/year>, I have not received the promised bonus. 

To resolve the issue, I reached out to Chase Customer Service and sent a formal letter explaining my concerns. However, I have yet to receive any resolution or even an acknowledgment regarding the delay in receiving the bonus. 

Additionally, while adhering to the savings account requirements, I was unable to transfer funds to maintain the {$1500.00} minimum balance in my Chase Checking Account. This led to monthly maintenance fees being charged in XXXX and XXXX. I requested that Chase refund these fees as a courtesy, but they have not addressed this matter either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-13 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: EQUIFAX, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2024-12-14 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: DISCOVER BANK
State: FL

Complaint narrative:
Applied for a discover card XX/XX/XXXX due to the 0 % interest on the balance transfers. As of XX/XX/XXXX I have not received the card. I was able to log In and asked when the balance transfer needed to be done and was told it was the same day I logged in. I than wrote customer service trying to explain the issue of not getting the card and why the promotional balance transfer was set at such a short amount of time. Customer Service representative said that there was no longer any promos and I would be charged the regular interest rate since I did not do the balance transfer in time. I thought I had a longer time to do the balance transfer or at least the first statement cycle to be transferred not a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXXXXXX XXXX date opened XX/XX/2024 balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.

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 2024-12-14 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: MI

Complaint narrative:
While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXXXXXX XXXX  date opened XX/XX/year> balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT THAT IS COMMITTING FRAUD ON MY CREDIT REPORT. I AM ASKING FOR PERMANENT REMOVAL AS WELL AS PERMANENT BANNING FROM THE CREDIT COMPANY COMMITTING FRAUD ON MY CREDIT REPORT. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT THAT IS COMMITTING FRAUD ON MY CREDIT REPORT. I AM ASKING FOR PERMANENT REMOVAL AS WELL AS PERMANENT BANNING FROM THE CREDIT COMPANY COMMITTING FRAUD ON MY CREDIT REPORT. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. PLEASE REMOVE IT

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Greetings Everyone, I apologize in advance for the length of this explanation. It all occurred in a short period of time, but has some complexity to it. Still I will strive to be brief. 

XXXX been a Capital One customer for years, and was quite happy until this experience. 

This will involve three account numbers which are in chronological order ; XXXX I will call this the first account XXXX I will call this the second account XXXX I will call this the third or last account In XXXX, Capital One decided to issue a new card and terminate the first card. I did not know at that time this means, in their system, the account number changed with the card. So I continued to pay the bill as I always had. I had my credit union issue a check for the full amount due on time as evidenced by my proof of payment. 

Coincidentally, Capital One notified me of a small but suspicious charge against the first account. So I called them and challenged the charge. The attendant notified me that due to CAPITAL ONE policy they had to issue a new card and cancel the second account. Please note ; NOT MY CHOICE. The attendant agreed it didnt make sense, but it was policy he had to follow. This generated the third account. 

Meantime, my payment is being processed against the first account, while the charges were transferred to the second account. So CAPITAL ONE payment processing did not apply the payment to the related charges. I believe I made one charge to the second account and did my best to also pay it on time. Somehow, this payment was received and processed properly. 

CAPITAL ONE has NEVER acknowledged receipt of the payment to the first account and has never credited any of my accounts for the ( on time ) payment. I did have my Credit Union send them the proof of payment. They have not acknowledged receipt of that document either. 

For two months now, Capital One has been claiming past due charges, interest charges and damaging my credit to the loss of XXXX points on my XXXX credit report. 

I dont feel it is my fault or responsibility that Capital One can not keep track of the account numbers issued, who they belong to and what payments should be processed. It is beyond me why they dont assign customers a unique identifier and apply credits and debits without regard to account numbers. But they can have any process they like as long as it works. Theirs does not as my case demonstrates. 

Please help me resolve this issue. I would like Capital One to process the on time payment properly and cancel all related late fees and interest charges. I would also like my credit rating restored. 

Please find attached ; Statements for XXXX, XXXX, XXXX, & XX/XX/XXXX as well as XXXX proof of payment. 

Hopefully, and with Best Regards, dT XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: AR

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX.

1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-12-13 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution.

I respectfully request : A thorough investigation into these inquiries.

Removal of all unauthorized inquiries from my credit report.

Written confirmation of the actions taken as a result of this dispute.

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification.

Should you require any further information or clarification, I am available at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I expect a response within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-13 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution.

I respectfully request : A thorough investigation into these inquiries.

Removal of all unauthorized inquiries from my credit report.

Written confirmation of the actions taken as a result of this dispute.

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification.

Should you require any further information or clarification, I am available at [ XXXX XXXX XXXX  ] or [ XXXX XXXX XXXX ]. I expect a response within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IA

Complaint narrative:
XXXX XXXX XXXX Mailing Address City, XXXX, ZIP Code Dear Sir/Madam, Subject : Dispute of Alleged Debt I am writing to formally dispute the debt being reported by XXXX XXXX XXXX as of XX/XX/year>, in the amounts of {$1100.00} and {$810.00}. 

I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from XXXX XXXX XXXX to support your claims. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past XXXX years, causing considerable distress and harm. 

Please provide the following information within XXXX  days of receipt of this letter : XXXX. A copy of the agreement that authorizes you to collect on this alleged debt. 
XXXX. A detailed statement showing the full accounting of the alleged debt. 

If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. 

I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: SC

Complaint narrative:
Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX Complaint Details : I am submitting this complaint to demand prompt action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). Being a victim of identity theft due to a data breach, I am invoking my rights to have inaccurate information removed from my credit file.

Nature of the Issue : As a result of the data breach and subsequent misuse of my Social Security Number ( SSN ) and other sensitive details, I identified unauthorized accounts and transactions on my credit report. These fraudulent entries have harmed my credit profile, as demonstrated by a recent credit denial from my financial institution.

The items I am disputing and requesting to be blocked are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to TransUnion, XXXX and XXXX. 

A copy of my government-issued ID and Social Security card for identity verification.

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report.

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies must block the reporting of information linked to identity theft within four ( 4 ) business days after receiving the consumers dispute and accompanying evidence. Additionally, 15 USC 1681c-2 ( a ) requires these agencies to ensure such data is excluded from the consumers credit report and that furnishers of the fraudulent accounts are notified of the block.

If further information or action is needed from me to resolve this issue, please inform me right away.

Thank you for addressing this matter promptly. 

Sincerely, 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 2024-12-13 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:
I have identified information on my report that is a result of identity theft this account and inquires does not belongs to me (XXXX XXXX XXXX XXXX) inquires---XXXXXXXX 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