vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi Bank credit card called the Costco Anywhere Visa Card. Citi Bank offered me a promotional APR on a balance transfer in XXXX. On XX/XX/year>, I requested a balance transfer of {$2000.00} through the Citi Bank app. I was given two options : the first was to enter a credit card for the balance transfer, and the second was to send the funds to my personal checking account at XXXX XXXX. I chose the second option. The app only required my account number and the name of the bank, which I provided. 

A week later, I contacted Citi Bank to inquire why the funds had not yet appeared in my bank account. They advised me to wait a few more days, assuring me the funds would be available soon. Two weeks later, I called again because I noticed in the Citi app that the funds had been sent to XXXX XXXX XXXX. I asked why they sent the money there, as I have no credit card or bank account with XXXX XXXX XXXX. They informed me that they would initiate an investigation and file a dispute, which they did. 

Two weeks later, I received a letter stating the result of the investigation : the {$2000.00} had indeed been sent to XXXX XXXX XXXX. I called again, but each time I did, the customer service representatives were rude, blamed me for the error, and were not helpful at all. I repeatedly asked to speak with a supervisor, but all they did was file a new dispute. In the final dispute letter I received, they stated, " We are unable to change the balance transfer request once it has been received. '' I called numerous times, but their service remained unprofessional. This situation has caused me significant stress as Ive been trying to resolve the issue, and I urgently need assistance because I still have to repay the money to Citi Bank, with interest, even though I never received it. 

Finally, I contacted the XXXX  XXXX Office of the Comptroller of the Currency, and they advised me to file a complaint with the Consumer Financial Protection Bureau.

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 monetary relief
Consumer complaint received 2024-09-16 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: WA

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 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 2024-09-16 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: WA

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 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried numerous times to set up a free sign in account with Experian, online and on my cell phone. Every time I get part of the way and then ultimately get stuck on a screen that says info doesn't match or we are experiencing technical difficulties, try again later. I have been trying for 2 weeks to create an account with no success!

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently found some inaccuracies in the personal information listed on my credit report, which I believe stem from a clerical error.

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 2024-09-16 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] transUnion XXXX XXXX XXXX XXXX XXXX XXXX HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been 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 2024-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Hi, Two weeks ago, I noticed a bad decrease in my credit report. When I checked it was from Genesis Credit Management ( Columbia Debt Recovery ) regarding my past balance from XXXX XXXX XXXX in XXXX. After I disputed and that's when I received an email from this collector company on XX/XX/year>, asked me to pay a payment of {$120.00}. XXXX I mention I moved out XXXX years ago, and never I ever received any approved final invoice from them to notify me about this charge? They would go straight ahead and affect someone's credit without considering legal procedures. I have read all the reviews from this company and I see that many people experienced such a horrific problem as us. I decided to give them a call and that when I was told the past balance was for utility and paint damages, BUT we never pay the preserve any electricity bill, we used the third party company which all renters do. Before moved out, we requested multiple maintenance services which included paint touch up, the apartment deleted all those requests without our knowledge. We did ask them about that, and their response was " We always do paint touch-ups before new residents move in any way, so I do not have to request to get that done before I move out ''. The past balance is not a huge amount, I would not mind paying it even though I do not believe we owe them any utility bills. But I see that many people have experienced the same situation as us and they were verbally abused and disrespectfully treated while they tried to solve this matter. Somebody needs to do something about this, one of the reviews did recommend that we should voice our concern to the cfpb so here I am. AGAIN, they would blankly affect many people 's credit so they can get the money that they want and that is not fair to us hard-working people who would work so hard to maintain a good credit report. I hope cfpb can look into this and resolve this matter so no one can be affected by this company. No one deserves this and no one should be treated this way. After reading all the reviews about this company, I know that I am not alone. I understand why so many people were so afraid to raise their voice due to financial matters to hire lawyer/attorney to help them, so all they can do is expressed their unfair frustration feeling on the review section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TN

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 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 2024-09-16 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: TN

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 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There were 2 unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by SYNCB and XXXX XXXX i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.

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 2024-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have federal student loans being serviced by Mohela. Early last year, I took a lower paying job, providing care to veterans in a high-needs area. One of the incentives was that my employer ( the VA ) would refund most of the student loan payments I made. The time has come to submit my student loan payment history to the VA ( on a piece of paper from my loan servicer, with my name, account number, and last 12 months of payments ) so I can get reimbursed ( I pay almost {$1000.00} monthly, so this is a significant amount of money on the table ). Mohela 's website no longer has my payment history from before the website relaunch- they only have XXXX payments : from XXXX and XXXX. I contacted them through email in XXXX, and they redirected me to the part of the website I already claimed did not have my history, and they also told me to check XXXX website. However, the XXXX website has not been updated since XXXX, so it is missing XXXX through now, and they know this. 

I've called Mohela multiple times. Back on XX/XX/XXXX, a customer service agent told me she had my history there but couldn't tell me which payments it included, but she would mail it out that day. Two weeks later, I never received the mail, so I called back. The new agent told me that the information I received was false, and that the request was under a 10-day review period. Both agents confirmed that this would be all my payment history. By XX/XX/XXXX, I used a special " military and VA employee line '' for Mohela that got me to an agent that stated the request ( still being reviewed ) would have only included my payment history up until the website shut down in XXXX, so it would NOT have my payments after XXXX, and that she still didn't know how to get me that information. 

My partner now lives in another state ( as of XXXX ), so I must leave my XXXX XXXX  soon, as it is over an hour from my home. However, if I leave before this is settled, I will lose about {$10000.00} that was part of the compensation package for taking such a high-need, lower-paying job. I still can not get this basic information : A letter from my servicer with my name and account number, showing my last 12 months of payments ( from XX/XX/XXXX to XX/XX/XXXX ). I can get this information for my cell phone bill, my music streaming account, my mortgage, but it's no longer possible with Mohela, so I stand to lose thousands of dollars over a simple tech error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
First of all, I tried to add this to the most previous complaint but there is no way to add anything even though it says that it is open. Why is this? This is an ongoing issue and I would really like XXXX to correct what is incorrect. 

I did EXACTLY what it says on the XXXX website of what to do if you want to report inaccurate PERSONAL INFORMATION. 

I think the arrogant, antagonizing response I got from " XXXX '' in the " fraud '' department should be posted for everyone to see. These people need to close down. 

It says on the XXXX website that one can not dispute personal info online but only by phone, or mail. I called the NUMBER THEY LISTED. I WAITED ON HOLD FOR TEN MINUTES AND I GET THIS MAN NAMED XXXX WHO OF COURSE, SPEAKS WITH AN ACCENT THUS, THIS IS A CALL OUTSOURCED NOT IN THE US. 

If that didn't feel uncomfortable enough, I want to say that having to give my SS number THREE TIMES is enough to make anyone scream. 

I told XXXX the XXXX XXXX XXXX list XXXX is NO LONGER VALID IT HASN'T BEEN VALID FOR ABOUT FIVE YEARS AND IT BELONGS TO SOMEONE ELSE. 

I GAVE HIM MY VALID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I TOLD HIM THEY HAVE AN APARTMENT ADDRESS THAT HAS NOT BEEN VALID FOR MORE THAN 20 YEARS. ABOUT 25 YEARS TO BE PRECISE. 

THIS ANNOYING MAN STARTS BABBLING ABOUT THE FAIR CREDIT REPORTING ACT AND I COULD RIP HIS HEAD OFF. I SAID I AM THE ONE WHO OWNS THIS CREDIT REPORT, I AM THE ONE THIS INFO IS ABOUT AND I AM INFORMING YOU PER YOUR OWN XXXX CREDIT AGENCY AND YOU ARE TOO XXXX LAZY YOU ARE JUST RECITING THIS FAIR CREDIT ACT AND THEN I ASKED FOR THE NUMBER OF THE FEDERAL STATUTE OR ACT OF THE FAIR CRDIT BLAH BLAH BLAH AND HE COULD NOT PROVIDE IT.

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 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXXXXXX XXXX  are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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