vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express gift card is a scam even the customer service. I have a gift card worth {$50.00} and it doesnt work anywhere online or in-store. Even paypal or apple pay wont accept the card. Its basically useless. 

Ive called customer service for a gift card replacement last XX/XX/year> and the guy said he cancelled my card after I provided my card number, and will send a new one via mail. I asked for a tracking number or at least the new card number and he said he cant give out those information which I found odd. I had my doubts since then and true enough the replacement card never arrived. 

I decided to follow up this XX/XX/year> and complain about the card that never arrived, only to have the same solution and nothing else, send the replacement card via mail. When I provided my shipping address the girl that I spoke with told me it will arrive within 7-10 business days and wanted to end the call right then. I stopped her, told her to repeat my address to make sure its correct and will arrive this time. Guess what, she then asked for my first and last name. How the XXXX can you send out a package to someone if you dont have the first and last name of the receiver?? she also asked me to repeat my address. what an absolute joke!! it seems they never plan to send a replacement card in the first place and its a scam!! its already XX/XX/year> and beyond 10 days, THE REPLACEMENT CARD NEVER ARRIVED FOR THE SECOND TIME! 

I want to raise awareness that American Express has been giving customers a hard time to use their gift card as well as failing to provide a decent customer service to its customers. The customer service that they have is outsourced from another country and is basically no help at all, seems like a scam too. If there is an on-going lawsuit about this customers should know to file a claim against American Express XXXX they are only deceiving people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This account is inaccurate and doesnt belong to me!

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one is reporting an inaccurate balance amount. I disputed it and it cans back verified. I called XXXX XXXX to report that the amount is inaccurate. I was told by the original representative and then again by her manager XXXX XXXX XXXX XXXX ) that I couldnt dispute again. I was also told that XXXX XXXX XXXX XXXX account was accurate although it isnt. I advised that they were violating my consumer rights but XXXX disconnected the call in my face I advised before that it was illegal for XXXXXXXX XXXX to post inaccurate unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to provide an update on my ongoing issue with Citibank, regarding the verification process for unlocking my account. Despite their response to your office indicating that they have sent verification letters to my address on XX/XX/year>, and XX/XX/year>, I have not received either of these letters. I have informed Citibank multiple times that I am not receiving the letters, yet they have offered no alternative solution to verify my identity and unlock my account. 

Citibank continues to insist that the only method for completing the verification process is through the letters they claim to have sent. This lack of flexibility and responsiveness has left me unable to access my account, despite my compliance with their requests and the fact that I am receiving other mail from Citibank at the same address without issue. 

The lack of a resolution has caused significant inconvenience, and I believe Citibank is not adequately addressing this matter. I respectfully ask for your assistance in ensuring that Citibank provides a viable alternative for me to verify my identity and regain access to 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 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-10-18 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 sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$71.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 6 Months XXXX sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ... ... ... ... ... ... ... ... On XX/XX/XXXX, I filed a dispute with XXXX XXXX and Experian regarding two inaccurately reported late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX account. The account was opened on XX/XX/XXXX, and was fully paid off by XX/XX/XXXX. Despite this, XXXX XXXX incorrectly reported these payments as 30 days late, negatively impacting my credit score. 

I contacted both XXXX XXXX and Experian, requesting an investigation and removal of these inaccurate entries from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). However, neither company has responded within the required 30-day period, which is a violation of FCRA 1681i. I have received no documentation or verification supporting these late payment claims. 

I am now formally requesting that both companies immediately remove these inaccurate late payment entries from my consumer report. Additionally, I seek compensation for damages caused by this incorrect reporting, which has adversely affected my creditworthiness. If this matter is not resolved promptly, I will be pursuing legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees. 

I am filing this formal complaint with the CFPB to escalate the issue and seek appropriate resolution.

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 2024-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I received an email about my income driven repayment plan recertification almost two weeks after the original due date and less than 30 days before the extension of the deadline. MOHELA did not even give me a prompt reminder that there would be a recertification coming so soon like a month or so beforehand. I'm concerned that they are trying to put my repayment plan and status in jeopardy due to bad information coming through their official emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-10-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report SSN : XXXX XXXX : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the inaccurate information being reported on my credit report. The account in question is with XXXX XXXX ( Account Number : XXXX ), and it contains incorrect details that have been updated inaccurately despite my previous disputes. 

Under FCRA Section 616, if TransUnion willfully continues to report this inaccurate information, I am entitled to seek legal action, which may include : Actual damages resulting from the financial harm caused by these inaccuracies.

Statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive damages, if the violation is found to be particularly egregious.

Recovery of attorney fees and legal costs.

In the case of negligent violations, as outlined in FCRA Section 617, I can still sue for actual damages and recover attorney fees and court costs, though punitive damages would not apply.

Furthermore, I am aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) have the authority to investigate systemic inaccuracies in credit reporting. If this issue is not resolved, I am prepared to file formal complaints with these agencies.

I request that TransUnion conduct a thorough investigation of this disputed account and either verify or delete the inaccurate information. Please provide a detailed explanation of the steps taken in your investigation and the documentation you used to verify the account. If verification can not be provided, I expect the account to be promptly removed from my credit report.

Thank you for your immediate attention to this matter. I look forward to your confirmation of the actions taken.

also, where are identification purposes? I included my ID and my social as well as copies of this fraudulent account being removed from my other credit reports the only one thats holding onto it is Trans Union XXXX and XXXX have both agreed that this account is erroneous and removed from my credit report. 

Sincerely, XXXX 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 2024-10-18 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: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have never signed any contract or agreement with truest bank. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with XXXX and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to XXXX as well, and they simply said yeah its yours without checking into anything. I have contacted this truest bank company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. XXXX completely ignores this document when I give it to them. This is a mistake and its XXXX who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make XXXX liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. XXXX ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.

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 2024-10-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-10-18 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: GA

Complaint narrative:
i was surprised to see all of these accounts on my credit report that werent mine i discovered that someone stole my identity and tried to obtain medical coverage in my name the following account are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there are 3 inquiries, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation