vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: CT

Complaint narrative:
My credit score went down XXXX points within 30 days in XX/XX/2023  due to XXXX reporting that I missed a payment which negatively affected my credit score significantly. This was not true. My original first payment date for XXXX student loan repayment was XX/XX/2023. However at the beginning of XX/XX/2023 I applied for a Extended Standard Repayment plan and XXXX was taking time to process the change of plans and notified me that my NEW first payment date for repayment will be XX/XX/2023 

That is when I was notified on XX/XX/2023 that my credit score dropped XXXX points due to the " missed payment '' on my student loans with XXXX. XXXX INCORRECTLY reported this to the credit bureau and I would like for this to be amended and my score to be fixed.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and noticed that there is incorrect information reported. I request that this information be removed immediately. I am in the process buying a home and need all inaccurate information 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 explanation
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
Purchased a {$100.00} gift card to earn {$20.00} promotional credit from : XXXX XXXX XXXX XXXX. The website is operated by Blackhawk Network / Cashstar ( BHN ). I received an email confirmation that {$100.00} was purchased on XX/XX/XXXX. on XX/XX/XXXX I went to redeem the gift card at the restaurant and only {$10.00} was on the card and {$0.00} remaining balance. I am missing {$90.00}. The restaurant was unable to see transaction history and so I asked BHN. They only see a purchase for {$100.00} and a current balance of {$0.00}. I received the {$20.00} promotional credit but would rather have my full value of {$100.00}. They do not have transaction history. This is a XXXX issue. I was deceived and now I have lost {$90.00}. If we can see transaction history, you will see that only {$10.00} was loaded onto the card. I plan to dispute with my credit card company, but the transaction has not posted to my card yet. I can only speculate that the coding was entered incorrectly. I was charged correctly, however, the value loaded onto the card was incorrect. Please see the receipts and pictures as evidence. This is a holiday offer and I am worried that they are going to take the deal down before this can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express charged me a spurious {$15.00} penalty on a XXXX AMEX  credit card after I had cancelled it and attempted to pay off a {$15.00} balance using my AMEX bank accounts! 

I cancelled my XXXX AMEX card XXXX XX/XX/2023. I sent the final payment balance of {$15.00} immediately from my AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the payment did not go through. AMEX instead tried to draw the payment from my AMEX checking account which did not have sufficient funds. Therefore the initial payment was rejected. 

After speaking with an agent approximately a 7 business days afterward ( upon discovering did not go through ), she assured me that I should transfer funds from the XXXX to checking and the system would automatically draw funds from checking, which eventually did happen. 

On XXXX XXXX, I discovered that AMEX charge me a Return Payment Fee of {$15.00}. I called AMEX and challenged this spurious charge. This so-called penalty fee is a classic example of consumer financial gouging. I have never had a late credit card payment in 30+ years of using credit cards. This over-charge is why the United States needs the CFPB to protect consumers against spurious fees in the age of frictionless transactions. I am willing to talk more to CFPB officials if requested to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Since XXXX, I have continued to communicate with Freedom Mortgage about my hardship. The first representative gave me directions to submit documentation and I fulfilled this process. When I called to have a follow up, the associate would advise that the previous associate did not advise me correctly. This occurred at least XXXX  times. I advised them that there has been a serious reduction in the household income and we need some type of assistance. When I first obtained my loan, I was advised from the loan officer this loan is a government fha backed loan and in times of hardship options would be available. Is this true or did the loan officer lie? 

Freedom mortgage has created substantial work that seems un-necessary and caused additional hardship by delaying the process longer than one could imagine. I've have had to take on additional debt to pay the mortgage due to the lack of communication from freedom mortgage and my options which has caused more interest being paid due to their incomitance. 

Freedom mortgage has made our hardship extremely difficult in the last XXXX  months. I feel they lack sufficient knowledge in the contact center and the representatives handling the emails as it relates to hardship solutions and commit to the follow up. 

I do not blame Freedom mortgage for my hardship, I blame Freedom Mortgage for amplifying my existing hardship by dragging more time than necessary and creating false excuses that are due to lack of knowledge within the organizations staff.

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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This gift card can not be used at any retailer I have visited. Online or in person. 

It is activated. It has a balance. Yet it can not be used ANYWHERE. Even if Amex is accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: MI

Complaint narrative:
A hard inquiry on behalf on XXXX XXXX  XXXX  by EXPERIAN BUSINESS CREDIT dated XX/XX/23 is reporting to consumer reporting agencies. I received no disclosures for this hard inquiry.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Company keeps on taunting me knowing I have XXXX XXXX they send me letters asking me to call them knowing they blocked my number. Today I received another such letter asking me to call, this gives me nightmares. Then they called me to taunt me again, they refused to provide an accommodation for effective communication and kept saying someone else would contact me about it. I did not know what company they were referring to, nor how whoever it was handling anything or who they were. They called me earlier in the month and hung up on me without accommodating my XXXX. When they called again today I told them I was recording the call and again requested an accommodation within the XXXX for effective communication. They acted like it was the 1st time I was making the request, they ran me in circles and kept me on hold an unprofessional amount of time triggering my XXXX. Then they came back from leaving me on hold, did not answer the question they had put me on hold for and tried to run me in circles again I ask that they stop running me in circles. I asked why each time they call it is like it is grounds hogs day and I need to begin my XXXX request all over again. I told them they had a burden as well. I asked them for any alternative accommodation and they refused to provide any. They then became abusive and hung up on me which will cause me XXXX XXXX. They do this intentionally to harm me knowing I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Good morning, I am reaching due to a letter I sent to Bridgecrest Financial regarding my registered security. I sent them a proper endorsement along with written instructions to go along with it. With those instructions I made sure to let them know I would be revoking the security interest in my title. I also revoked any rights to XXXX  my gift ( the car ). Lastly, I come in good faith requesting a clean perfected title free of defects ; since with my proper endorsement now both parties have value of consideration. I will be attaching the letter I sent them as well.

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I ordered tickets from what I later discovered to be a scam site ( XXXX ). I contacted my bank and let them know then bought tickets from XXXX. The tickets I purchased from the scam site were {$180.00}. The tickets I purchased from XXXX were {$85.00}. The address for XXXX is not verified and they have no phone number. Their XXXX rating is an F and there are tons of people online complaining that they are fraudulent but my credit card company ( citi ) said it's not their problem. Wow.

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 2023-12-28 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: CA

Complaint narrative:
I have been disputing XXXX XXXX  on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I can't obtain a payment agreement without the consent and cooperation of the lender. I've requested a payment plan and other repayment options to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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