vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
we sent a wire transfer to a client to the XXXXXXXX XXXX XXXX 

we gave them all the info and confirmation on the wire, but the bank claims they did not get anything

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 2024-12-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has a digital coupon book called 'Chase Offers. ' They're for specific merchants, require activation prior to use, and have certain criteria. The coupon on XXXX of my Chase credit cards was for XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX by XXXX membership. The terms and conditions of the coupon were as follows : " Earn XXXX XXXX cash back on your first payment of an XXXX XXXX by XXXX membership, with a {$10.00} cash back maximum. Unlock XXXX XXXX XXXX XXXX XXXX at XXXX with XXXX XXXX XXXX Membership includes FREE same-day deliveryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX every day. Plus, a XXXX XXXX  monthly bonus reward as a thank you. Offer expires XX/XX/year>. Must make first recurring payment by XX/XX/year>. Offer valid on first payment only. Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account ( e.g., buy now pay later ). Recurring membership payments begin after trial. For membership cost and to cancel membership, please visit merchant website for details. '' On XX/XX/year>, a Chase representative confirmed over the phone the offer was successfully activated on my account on XX/XX/year>. I purchased an annual membership for {$48.00} on XX/XX/year> in a XXXX, which is before the XX/XX/year> Chase Offer expiration date. I expected a credit of {$9.00} to my credit card XXXX XXXX XXXX XXXX XXXX XXXX, but it never arrived. NOTE : It is not a coincidence that the Chase XXXX maximum cash back is {$10.00}, which lines up almost perfectly with XXXX XXXX XXXX XXXX of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXusiness days, I initiated a Secure Message via their website explaining the matter. Over the following 30+ days, I received multiple inconsistent claims via Secure Mailbox and paper mail from various anonymous representatives indicating either A ) they couldn't find the offer I was referencing, B ) the offer wasn't active, C ) the offer wasn't made directly with the merchant, or D ) it's not a recurring payment. 

I have attached the following to prove otherwise : XXXX ) Photo of the receipt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Indicating date and location of purchase XXXX ) Screenshot of a similar Chase Offer for 30 %, but with identical terms and conditions - Indicating required criteria to satisfy the offer XXXX ) Screenshot of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  captured my credit card info so they could bill me on a recurring basis ( annually ). 
XXXX ) Screenshot of the Chase XXXX XXXX history - Indicating correspondence dates and attempt to resolve this with Chase I greatly appreciate your help in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I went on a trip it was a hold on my account for {$100.00} the money was in my account and because I didnt know that they did not took the money navy federal charged me an overdraft fee that I had to payback when I signed up for no overdraft fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
The following companies said I applied for credit and I have not and its ( fraud. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The following companies said I applied for credit and I have not and its ( fraud. ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to Transunion, XXXX and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.

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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
This complaint is directly focused on Robinhoods unacceptable customer support practices. The company is unable to handle support tickets, as evidenced by two of my most recent interactions with them. After a disruption of my ability to trade cryptocurrencies on Robinhood, I opened a chat with their customer support. As seen on the attached transcript, the company notified me at XXXX XXXX  on XX/XX/XXXX that their service support team is experiencing longer than normal wait times, encouraging me to cancel my case. I continued receiving the same message through XX/XX/XXXX at XXXXXXXX XXXX at which point an agent joined the chat and proceeded to close it due to a lack of response on my end ( given that it was 10 hours after my initial message and, considering the time of day, I did not see their note until later that morning ). 

Given the importance of their platform for financial transactions, not having functional support is unacceptable and can potentially cost customers significant losses. Robinhoods inability to address critical issues promptly undermines user confidence and poses a serious risk to its customers. I urge the CFPB to investigate these deficiencies to prevent further harm to consumers and to compel Robinhood to strengthen its customer support practices to address the deplorable level of service they are currently providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On all 3 credit reports ( XXXX, Transunion, XXXX ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to 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 non-monetary relief
Consumer complaint received 2024-12-08 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: SC

Complaint narrative:
On all 3 credit reports ( XXXX, XXXX, Equifax ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: AZ

Complaint narrative:
Dear CFPB, I am writing to dispute a fraudulent account on my credit reports resulting from identity theft. This account was opened without my authorization or consent, and its reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Account Number : XXXX  ( XXXX, Equifax ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting this account without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that this account was created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure this account is removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address this violation promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NE

Complaint narrative:
I borrowed XXXX $ from this company & my first payment is XXXX XXXX I cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
Upon checking my credit report I saw inquiries I did not authorize and a collection that wasn't mine. The inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also ; XXXX XXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law. I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I also requested documentation from them to show they were allowed to work in the state of North Carolina since they are out of state. The violations on my credit report is from the following agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
There are some inquiries that I do not recognize and I did not do them. I would like to know if you can eliminate them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
The old criminal charge needs to be taking off I paid a fine over XXXX yrs ago for that and it was completed I just want to go to work for my children and this is very much stopping it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: LA

Complaint narrative:
This acct was paid in full the month and date is reported wrong and amount.plus the amount changing every month on my credit report showing paid off XXXX balance/ close.And the amount still changing every month.please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
In XX/XX/year> I called to notify the company that I XXXX XXXX XXXX  and to see if I can get a payment change from biweekly to monthly. I was told that I could and give it a few days to update the account. I looked online and no update after a few days so I called back and spoke with a supervisor who told me the rep gave me the wrong information after he pulled the call and listened to it. He then said he can assist me. So for the next few calls I spoke with the supervisor he said he was able to get me a date change and gave me my monthly payment amount. We sat on the phone for an hour because he was emailing his higher ups to assist him with my account. He then said all my information was updated and I should be seeing an update shortly. At that time my account was current and I let the reps know I wasn't trying to get a 30 days delinquent on my credit report. I was told it wouldn't happen. After a few days I logged in my account and still no update. Now we are in the month of XX/XX/year> and I spoke with a manager who said he will look into my account and call back once he contacts all parties that I spoken with previously. A few days past no call so I called him back and was told they are still looking into my account. I waited and received a collection callI advised teh rep of the issues and was told she will send someone an email to contact me. Now we are in the month of XX/XX/year> and a rep said XXXX XXXX they have been pushing you around they never entered the modification nor were they trying to assist. At this point I am livid. Mind you for my records I do record my calls which I can provide. So I asked since it wasn't my fault can they fix my credit and with that i begin to get the runarounds again. I recently spoke with a rep in regards to updating my credit reporting in XX/XX/year> and got the runarounds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a debt with Capital one for {$500.00} account number XXXX. I contacted this company and paid this debt off. And they still put this on my credit as a write off. This debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX  Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXX Code XXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to XXXX, Equifax and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to XXXX, XXXX and Experian and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.

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