vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: WI

Complaint narrative:
On XX/XX/XXXX, I added a promotional offer to my Chase Freedom Unlimited card through Chase XXXX which promised a {$100.00} statement credit upon spending {$500.00} or more on the Chase XXXX XXXX. I made purchases totaling {$660.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I noticed in the Chase app that the offer was not marked as redeemed, but instead, as expired. 

I contacted Chase Freedom customer service to address the issue. Initially, the representative claimed I had not added the offer. After I clarified that I activated it on XX/XX/XXXX, she then said the offer could not be redeemed because the transaction posted on XX/XX/XXXX, which she stated disqualified it from the promotion. I asked her if this restriction was explicitly mentioned in the offer terms, but she was unable to confirm and repeatedly stated there was nothing she could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-11-02 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: FL

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 2024-11-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.

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 2024-11-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within XXXX business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX Opened XXXX XX/XX/XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: FL

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 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 2024-11-02 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting ability to credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify. Through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts below. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Amount : {$950.00} & {$1300.00} XX/XX/year> XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2024-11-02 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: Experian Information Solutions 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 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 2024-11-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from citibank/best buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a best buy. On the morning of XX/XX/XXXX, I noticed another hard inquiry from XXXX XXXX XXXXt on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.

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 2024-11-02 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from XXXX buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a XXXX XXXX. On the morning of XX/XX/XXXX, I noticed another hard inquiry from TD Bank XXXX/Target on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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 am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$86.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} UNAUTHORIZED BILL COLLEDTION - XXXX - XX/XX/XXXX - {$1100.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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 am writing to inform you that I am a victim of a data breach that has resulted in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$85.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$86.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} UNAUTHORIZED BILL COLLEDTION - XXXX - XX/XX/XXXX - {$1100.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Thursday, XX/XX/year>, I transferred XXXX from my checking account int my savings account, I went to the ATM to withdraw the money on the same day, there was only XXXX dollars in my savings account, I called customer service whom transferred me to the XXXX XXXX, where the customer Service Representative told me that I was behind since XXXX, and she would not reverse the XXXX that was taken out of my account. 

I was willing to set up a payment plan with her on my account, the XXXX was taken out of my account without authorization, and did not show a reason fo the deduction until later, I was told it was pending in the back ground until payment post.

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 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 2024-11-02 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: NM

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-11-02 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: NY

Complaint narrative:
I submitted a dispute with Equifax on a collection account ( XXXX XXXX XXXX. ) with the incorrect balance and a status of open, the dispute was, the balance was originally {$840.00} and now its being reported as {$840.00} which is inaccurate, the account is closed And it is on my report as being open, this is also inaccurate, I have the right to fair and accurate credit reporting, the response I got back from Equifax was that it updated my information, but they did not change anything, I asked for this collection account to be deleted from my credit report due to inaccurate information.

Company response to consumer: Closed with non-monetary relief