vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX Card number ending : XXXX XXXX XXXX I applied for a Chase credit card based on their advertised offer of 0 % APR for 15 months and a 3 % balance transfer fee. This offer was the main reason I chose to apply. My credit score, as shown on the Chase app, is XXXX, and I have a perfect payment history. I've never missed a payment on any credit card in my life, with consistent amounts and responsible credit usage. 

I was approved for a credit limit of {$11000.00}, which was great, but after approval, I found out that I wasnt given the 0 % APR for 15 months or the balance transfer offer as promised. Instead, they assigned me an APR of 27 %, and there was no balance transfer option available. This is not what was advertised, and it's very disappointing, especially since my credit score and history meet the criteria for such offers.

I spoke with a customer service agent and a supervisor, and neither of them could give me a clear explanation as to why I didnt receive the promised terms. They mentioned they werent sure if it was a system error but, unfortunately, there was nothing they could do on their end to fix it. This has left me frustrated, as I applied for the card expecting the advertised benefits. 

Dates : Applied for the card and was approved on XX/XX/year>. 

Credit limit approved : {$11000.00}. 

Im requesting that Chase honor the original terms that were advertised at the time of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was trying to obtain a loan modification with Select Portfolio Servicing, but they did not consider all the necessary documents to make a decision. I submitted my W-2 and tax returns, yet they declined my request with options that are not feasible and aggressive. They are also missing other documents, such as the XXXX XXXX for Mortgage XXXX XXXX XXXX and other documents.

I feel that this company is not doing its job correctly ; they seem more focused on collecting money rather than considering the best interests of their customers. Last year, they failed to pay my property taxes, and I have the proof of delinquency notice from the county for non-payment of those taxes.

I am looking to modify my mortgage properly and explore available options. I dont want to go back and forth like I did with the tax situation. By the end of the year, I will catch up on my payments as they currently stand. It would be best if we could modify my mortgage to a 40-year term to achieve a more manageable payment amount. With this modification, I would be able to pay down the balance over time with regular monthly payments.

However, they are unwilling to work with me on these terms. Currently, they have a payment program that results in a larger balloon payment at the end of 3 or 6 months. Their practices seem aggressive and beneficial only to them, not to their customers. Additionally, I noticed that during a recent call, they inquired about my background, which I found concerning. I am willing to negotiate, but their practices raise questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found an account listed under the name XXXX XXXX XXXX with the account number XXXX that is currently inaccurately reporting late payments for XX/XX/2022. This payment was in fact made on time. The consumer reporting agencies need to ensure all information is reporting accurately. This account has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entry.

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 2024-09-24 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:
In accordance with the fair reporter, list of accounts below has violated federally, protect consumer rights to privacy and confidentiality and confidential and confidentiality under 15 US C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX has violated my rights. 

XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Account number XXXX has vilolated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX 15 US C 1681 section 602 a states I have the right to privacy 15 US C 1681 section 604 section 2. It also states the consumer reporting agency can not furnish account without my written instruction.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information other than the records of convictions of crimes, which atntedates the report by more than seven years 15 USD 1681 S 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year> my car was stolen and my debit card was inside of my vehicle. The individuals who stole my vehicle made a total of {$260.00} in unauthorized transactions. I have filed a dispute on three separate occasions with my bank ( Chime ) They have denied my claim each time and have refused to let me know what additional information is needed to approve my claim. I sent them a copy of the police report along with screenshots of where I was located in comparison to the locations of where my card was used without my knowledge. I have spoken to several managers in the fraud department, and they all have said that the only thing that I can do is file another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
I recently discovered multiple fraudulent accounts on my credit report that I never opened, authorized, or benefited from in any way. These accounts were created without my knowledge, and I have never received any services or goods related to these transactions. This has caused significant damage to my credit score, and its impacting my ability to access financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The late payments on my account do not align with my usual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-09-24 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: CO

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
At or around XXXX on XXXX I applied for a XXXX XXXX credit card issued by Chase XXXX I was sent, this is no exaggeration, to XXXX ( XXXX ) separate departments within Chase to look to get this credit card application processed. XXXX part of the application process was I needed to lift my XXXX XXXX XXXX, which I did. Chase representatives, within their locus of control of the principal-agent relationship, could not answer what the issue was and why I was being sent around to XXXX separate individuals, on the same call. This was not a security issue, that Chase used under the guise of placating the consumer ; rather, they just would not take ownership of the applicatiion process and -literally- wasted a XXXX hour of my time. The fact ( which is verifiable ) that my subject XXXX XXXX XXXX is above XXXX is not the issue... if Chase wanted to deny the card, they should have just told me that XXXX minutes into the call. As a reminder, I was REQUIRED to call Chase to complete the application ( I would have much preferred to do all the application online ). Chase treated me very poorly and wasted valuable time. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
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 XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: RI

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-09-24 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: CO

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX account number XXXX and a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: GA

Complaint narrative:
Issue : XXXX XXXX XXXX is incorrectly reporting a collection account ( C ) on my credit report every month from XX/XX/2024 to XX/XX/2024, without a change in the status of the debt. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a collection account once, when the account is initially deemed uncollectible. 
XXXX XXXX XXXX XXXX : A creditor can not report a collection account every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX XXXX reported a collection account ( C ) every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my XXXX XXXX Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX XXXX ' reporting of a collection account every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX accountable for their actions. 
Relief Sought : Correction of the errors on my credit report Damages for the harm caused by XXXX XXXX XXXX ' inaccurate reporting XXXX for XXXX XXXX XXXX ' violations of the FCRA and XXXX XXXX guidelines

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