vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Credit card has offers for using their credit card. One such offer was to get 10 % cash back with a maximum of {$40.00} when purchasing directly from XXXX XXXX of at least {$50.00}. This Chase offer expired XXXX. I made the purchase on XXXX and met all terms and conditions that were published on their website and within this particular offer. I received a letter from Chase stating that the offer would not be honored as I didn't meet the terms and conditions. I called and asked what terms and conditions that I didn't meet and they said I made the purchase before " selecting/accepting '' this offer. There website does not mention anything about having to " select '' this offer before making a purchase on that it expires on XXXX. I made this purchase withing the timeframe of the offer and Chase should be obligated in paying what they advertise. If not then they are using " XXXX XXXX XXXX  '' tactics and I'm claiming fraud and false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
During a review of my credit, I noticed multiple unauthorized inquires. I had not authorized any of the listed companies to conduct inquires on my behalf. There are multiple inquires on XX/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 2024-11-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
WHILE REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL UANAUTHORIZED INQUIRES. I DID NOT PROVIDE CONSENT FOR ANY OF THE LISTED COMPANIES TO CONDUCT INQUIRES ON MY BEHALF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following items as unauthorized and fraudulent : Fraudulent Accounts XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$880.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$8200.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$10000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$310.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$5600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) Fraudulent Inquiries XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/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 2024-11-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individual accounts are didn't quite meet the credit reporting standards of being 100 % accurate. this has damaged me and held me back from some time now. My life has been affected a lot from this false information. I am demanding CFPB to enforce the correction and deletion of these items.

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 2024-11-19 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: DISCOVER BANK
State: MD

Complaint narrative:
I have this account reporting on my credit report Discover Bank opened on XX/XX/year> amount XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized inquiries listed below from my credit file. I am a victim of a data breach, and these inquiries were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have these unauthorized entries blocked and removed. 
The inquiries in question are as follows : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I did not get any confirmation after paying on TD bank that my mortgage payment had gone through, and I attempted to make two additional payments. On the third payment, I finally got a payment confirmation. The next day I saw that TD charged me three times for a total of {$15000.00}. I called TD bank and they confirmed that they would send me a check for {$10000.00} and it would arrive in XXXX business days. 

On XX/XX/XXXX I called to inquire on the status of the check, and they stated that they had accidentally sent it to the wrong address, which is confusing as my current address is the only address they have for me. They agreed to stop pay the check and to overnight me a new check. 

On XX/XX/XXXX, I called again to inquire, and they stated the stop pay had gone through, and that they would overnight a check on XX/XX/XXXX to arrive on XX/XX/XXXX and confirmed that they had a recorded conversation verifying this and that they promised to call me on XX/XX/XXXX to let me know whats happening. I did not get that call. Today is XX/XX/XXXX and I called again and they stated that I would have to fill out an affidavit of loss to make the stop pay go through at which point they are then able to stop pay the check and then they will send the check to the correct address. They stated I would have to go to a TD bank to fill out this affidavit or return one in the mail. 

They have lied several times, refused to follow up on promises, and i am no XXXX days without $ XXXX when I have a baby due to arrive in two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-11-19 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following accounts and inquiries as unauthorized and fraudulent : Fraudulent Accounts XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$450.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$880.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$140.00} ) XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5000.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$670.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1900.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$260.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$250.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$670.00} ) XXXX. XXXX XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1900.00} ) Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I pulled my consumer report and noticed there were accounts on it that I didn't recognize. I am unaware of this debt nor do I recall having a business agreement with this company. I never received any type of notification that I owe you this debt and to put something on my credit report that I didn't have the opportunity to correct is illegal. If in fact you think you did send me proper notification, please provide the certified receipt that I signed that shows I was aware of this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX promotions with deferred interests expiring on XXXX XX/XX/XXXX and a Balance Transfer Check with no interest until XX/XX/XXXX. I noticed that my minimum payment was applied more to the promotion expiring in XX/XX/XXXX than to any of the promotions expiring within 30 days. When I called to reallocate the payment towards the promotions expiring within 30 instead of the one expiring in XX/XX/XXXX, I was told they couldn't reallocate the payment because it was locked. 

Upon review of my statements, it doesn't appear my payments have been applied even to the notice within my statements, which reads impart on page 2 of my statement : " Paying Interest .... In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account ... .. '' I've been told over and over by many account specialists that payments must be applied to expiring promotions within 30-60 days first to avoid unnecessary interest. I'm being told that, but it doesn't actually seem to be happening automatically, unless I call. This is the first time I was ever told I couldn't have a payment reallocated to expiring promotions because they were locked. 

I spoke with XXXX, an Account Manger today, after two other reps, and she said my Balance Transfer check promotion has a minimum payment due, however I don't see that anywhere on my statements. In reviewing my statements though, I do see that my payments have been allocated willy-nilly and in a manner to which more interest than necessary can be calculated, which is what payment allocation guidelines were supposed to prevent. The Balance transfer checks applied a service fee upon use, and no interest until the promotion expiration date, so why would they say a minimum payment is due for that promotion, but it doesn't show that on my statements? My other promotions with a deferred and accruing interest show minimums due. 

I'm attaching my Credit Card Statements. Notice how Home Depot another Citi Retail Services card handles interest awareness and promotions. They indicate exactly how much to pay to avoid interest charges especially including promotional purchases.

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 2024-11-19 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-19 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: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
There is no legally admissible evidence to verify the accuracy of what Specialized Collections are reporting {$870.00} medical collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Specialized Collections, in direct violation of the FCRA & HIPAA. Last month, I have discovered that the Specialized Collections fraudulent account. I need proof of a wet signature of an application w/ XXXX XXXX XXXX and proof this is a credit transaction w/ Specialized Collections ; the debt agency is in violation of federal laws, and I will go legal if this is not removed. Specialized Collections accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I submitted a claim via PayPal regarding transactions equaling over {$12000.00} to XXXX. I did not authorize these transactions but they refused to return my money. They said I had to contact my financial institution XXXX XXXX for relief. The representative was very off putting at XXXX XXXX when I explained that I didnt approve these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. I am a victim of identity theft due to a data breach, and the accounts and inquiries listed below were not authorized by me. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent information removed. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$930.00} Unauthorized Inquiries : XXXX XXXX XXXX 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