vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2023, I received a pre-approval for a CapitalOne Quicksilver credit card that included a {$200.00} sign up bonus after spending {$500.00} within 3 months. I was approved for the card and it was issued. I spent over {$500.00} on the card and expected my bonus to be posted. On XX/XX/XXXX, I called CapitalOne about when the bonus would be posted and they told me that I signed up for a different card, a card without a bonus. On the website, I was clearly shown the Quicksilver card with the promotion and I followed the application steps and got my credit pulled to receive this card. I was under the impression that I was signing up for the Quicksilver credit card with the promotional offer. After some circling, the representative said that I didn't qualify for the offer because the bonus is reserved for costumers with " excellent '' credit. At no point in the application process was I told that I was signing up for a different offer or card. This is false advertising and deceptive 100 %. This bait-and-switch appears to be common for CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-19 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 checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-04-19 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 checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently received a copy of my consumer report, and I noticed an account that was recently under dispute still inaccurate. The account still has the same inaccuracy regarding the account and not XXXX piece of information was changed. EXPERIAN is in violation of 15 USC 15 USC 1681i. EXPERIAN claimed that the account XXXX XXXX XXXX Account Number : XXXX remains which is an implication that the account is accurate as is. EXPERIAN has validated inaccurate information, and this account is hereby disputed. The information on the account being furnished in my consumer report is in fact inaccurate. There are instances of duplicative reporting in the payment history section regarding late payment notations. I have already given detail in my initial dispute letter regarding what was wrong the account yet EXPERIAN states that the account " remains '' unchanged. EXPERIAN is in violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. EXPERIAN has failed to accurately and appropriately address the inaccurate account in which they verified to be accurate. EXPERIAN is in violation of 15 USC 1681i ( 5 ). The CFPB stated in an article connected to their newsroom that consumer reporting agencies and creditors have been failing to abide by the regulatory rule of dispute resolution. They also stated that these companies have been constantly violating the FCRA by intentionally reporting misinformation, giving default responses, and verifying inaccurate accounts ruining the integrity of consumer 's credit reports. EXPERIAN fits the bill.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I needed emergency dental care and used Care Credit XXXX Synchrony Bank ) for it. My card was charged XXXX separate times for a total of XXXX by my dentist. 
I never received anything in writing about any fees, promotions- I was just given a statement from my dental office with the amounts charged. 
Yesterday I went online to look up my account with Care Credit and was shocked to see my total due {$8000.00} when my balance was XXXX at the end of XXXX. Last month I made a payment of {$650.00} and havent used my card in over a year. 
I make my payments but I have been late a few times. I called XXXX and asked them how I could have such a high balance owed. The representative named XXXX told me I did not pay off the balance on my card before the promotion and that if I agreed to pay them {$2300.00} before the end of XXXX days they would waive the upcoming {$800.00} fee for missing payment in full. This is supposedly another promotion but I did not know about any promotions or fees I would be charged if I did not pay my balance off. I spoke with them a couple of months ago when I was having a hard time making my monthly payments and they offered me a settlement of XXXX payments {$1300.00} each month. I have been sick and in and out of the hospital and they rescinded that offer and told me the best they could do for me was for me to come up with {$2300.00} and they would waive XXXX {$800.00} charge coming up. I do not understand these charges or how they can continually hit my account with an {$800.00} fee every month. At this rate my credit card bill will be {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I obtained a bank of america credit card more than XXXX years ago. I have never used this card. I have been billed monthly for the BofA Privacy Assist service for between {$9.00} and {$12.00} for many years. 

I have not been able to cancel this service. 

I have repeatedly contacted Bank of America to cancel Privacy Assist. The call center can not cancel the service. WHen the call center attempts to transfer my call to Privacy Assist the call disconnects. When I call Privacy Assist, the phone rings for approximately XXXX minutes and disconnects. It appears that Privacy Assist may no longer exist. 

My BofA account ends in XXXX My social security number is XXXX Research reveals that BofA and Privacy Assist were subject to a CFPB XXXX XXXX and placed under a consent order.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inclusion of an outdated and fraudulent account on my credit report, which has recently come to my attention. Following a meticulous examination of my credit history, I uncovered an instalment account that egregiously misrepresents my current financial status. 

This discrepancy not only tarnishes the accuracy of my credit profile but also stands in flagrant violation of legal statutes governing the integrity and accuracy of credit reporting. The account in question exhibits inaccuracies in Account Numbers and the deliberate concealment of certain account details, constituting a clear breach of regulatory standards. 

It is imperative to underscore that this account does not pertain to me and finds no reflection in the records maintained by other reputable credit bureaus. The inclusion of this fraudulent account has inflicted substantal harm upon my creditworthiness and overall financial standing, thereby necessitating immediate redress. I have records that indicate that this {$4500.00} loan is not mine. 

The singular appearance of this account solely within your report raises grave concerns regarding potential fraudulent activity. In light of these circumstances, I am deeply troubled by the implications of this erroneous and deceptive entry, which casts doubt upon the reliability and integrity of your credit reporting practices. 

Accordingly, I hereby demand a comprehensive investgation into the origins and rationale behind the inclusion of this outdated and fraudulent account in my credit report. Furthermore, I urgently request the expeditious removal of said account to rectify the egregious inaccuracies and restore the pristine integrity of my credit information. 

Please be advised that this correspondence constitutes a formal dispute under the provisions delineated within the Fair Credit Reporting Act. As such, I expect and anticipate a prompt and thorough response to this matter, accompanied by transparent actions aimed at remedying the injustices wrought upon my credit profile.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was called on XX/XX/24 by a person impersonating a Chase XXXX. I was advised that my accounts had been compromised. He stated hat he needed to reset my user name and password, me not thinking, I gave the scammer my information. Once I realized it was a scammer I called Chase bank and stated please do not send those wire transfers. I was instructed by the banker on the phone to go to the nearest branch, so they can close the account and open new account. While sitting with banker inside of the branch she called to XXXX department and eplained the situation and staed Ms XXXX is sitting here, she did not approve those transactions, please do not send the wire. Chase Bank sent out the wire transfers and sent scammers {$10000.00} over my daily wire limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update 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 2024-04-19 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: MI

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to communicate my anxiety and present a protest to TRANSUNION with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, XXXX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was told no they cant do anything about late fees no kind of help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My loans are currently serviced by Mohela. This is not the first provider that I have had, but it is by far the worst. During the pandemic and while I was in graduate school, I attempted to keep up and make headway in my loan repayments. 
Fall XXXX I initiated the process of getting myself off the automatic school forbearance. It went through, only to then be placed right back in it automatically due to financial disclosures from the University. I informed Mohela customer service verbally and in direct messaging that I wanted off forbearance and to not place me on it again without my direct permission. Unfortunately, that did not occur. 
I graduated fall XXXX and in XX/XX/XXXX, I was notified again that I was placed in forbearance. I again, contacted Mohela to remove that notation and get my payments on track again. 
XX/XX/XXXX I consolidated XXXX of my loans to get them counted towards XXXX. When the approval finally came through with XXXX XXXX and Mohela, I initiated the XXXX XXXX clearance for the new loan. I also made a payment towards that new loan to help get the ball rolling. Without me asking for it, or even agreeing to it, I was automatically enrolled in forbearance for the remaining loansI called Mohela today ( XX/XX/XXXX ) and was notified that this occurred because the system automatically made and implemented that decision for me. Due to my continuing frustration with the process I requested to speak to a XXXX and get it corrected quickly. Unfortunately, when I finally got thru to the supervisor line it went to an auto prompt that said it would take XXXX business days to get back to me. 
Any time I have spoken with someone at Mohela to get my non-requested forbearance removed it is up to a XXXX  day process to facilitate. However, when the forbearance occurs its an almost instant process.it makes no sense. I am beyond frustrated and have never had this much hassle with a loan servicer since I started paying back my loans. 
Additionally, it routinely takes an unhealthy amount of time to speak to someone at Mohela on the phone as well as through their direct messaging system. The messaging system stipulates it takes XXXX  days to respond : however it has taken weeks to ever get a response from the company. 
I am actively trying to pay my loans back and this company is continually XXXX XXXX blocks in my path to do so. I know that if XXXX this frustrated with them, there most absolutely are plenty of others as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation