vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
On XX/XX/year>, i made a payment to my American Express personal loan account ending in XXXX in the amount of {$29000.00}, from my XXXX savings account ending in XXXX, paying off the loan in full. 

I noticed that the payment had been deducted from my XXXX  account and been credited to my american express account. 

On XX/XX/year>, i received a notice via email from American Express Notifying me that my payment was returned due to an invalid account number. 

I do not believe this to be true as XXXX has a link to simply copy the account number in order to link it to another account which I did to make this payment. 

On XX/XX/XXXX, I noticed AMEX had placed a charge for {$39.00} in my account ending in XXXX with the description " return payment fee. '' I called american express, and spoke to XXXX, to ask them to waive this fee as I did not believe I entered an invalid account number. 

XXXX said, " no problem " then he began asking me a bunch of questions updating my account address and information, etc. 

After about fifteen minutes of updating my account, he finally admitted to me that he was unable to waive any fees and he would have to transfer me to another department. 

He transferred me to another department and I spoke to another agent who after another 10 minutes admitted to me, That the system was not set up to waive any fees.

Why wasn't this communicated to me by the first agent? 

By this time I spent nearly thirty minutes on the phone to the AMEX " customer disservice " I feel that this practice by american express is deceptive to its customers.

I also reasoned that if the account number was invalid and they did not receive the payment then how could they return the payment and charge the customer a return payment fee.

They knew in the first minute, The reason for my call and they also knew that they would be unable to help me, but they kept me on the phone nearly thirty minutes, updating account information, and trying to sell me various financial products.

I feel that american express should be sanctioned for this deceptive behavior and my fee should be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: OR

Complaint narrative:
I called My Quick Wallet on XX/XX/year> and asked them to immediately revoke my ACH authorization on my account. The lady was rude and hung up on me. I then follwed up with an email to XXXX saying, please immediately revoke my ACH authorization effective XX/XX/year>. I did not get a response. I then went to myquickwallet account and everything was changed to my account being late, I can't make payments online, etc. Then I received an email yesterday, Friday, XXXX XXXX at XXXXXXXX XXXX from XXXX of a " courtesy reminder '' that I had an upcoming payment by debit card in the amount of XXXX on XX/XX/year>. And the email goes on. ( conveniently their hours stated on the website are XXXX XXXX  to XXXX XXXX EST and I live in the PST so I could not call them ) I immediate sent them a screenshot of the email I sent them the day before and again, no response. When I went to my account like the email said I can also view or request changes to your payment options on line using our members area. ( I COULD NOT! ) And today XX/XX/year> NOT XX/XX/year> {$290.00} has been taken from 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 explanation
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
XXXX XXXX XXXX account begging with XXXX has closed my debt with them and no longer service my account. I have confirmation from this company with a balance of XXXX $ has been closed and sold to another lender. I have disputed this with transunion they removed it which I have proof then added it back. That is a violation. Experian and Equifax will not remove the inaccuracy 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I called Genesis credit management and explained to them I wasn't aware of the debt that was thrown on my credit out of nowhere and Immediately was cursed out and threatened and was told that I owed the debt and I told them if they can please send proof of said debt, they became even more aggressive saying they will email me and they haven't emailed I have asked them alot of times to send proof and take this off of my credit report ..I have lived in my current house for 6 years now and someone used my social security number to obtain an XXXX under a cpn.i do not owe the debt and I didn't receive any letters or proof from this company..they are scammers and they have several of other reviewers who have stated this company are scammers ..they will not provide proof nor take it off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Owed credit card, paid to 3rd party, and made all payments as agreed to. Receive a letter from the creditor and 3rd party of account satisfactory and paid in full, but still coming up as unpaid/owed with mortgage loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am trying to enroll in online banking at wellsfargo.com.

It is key to managing credit balances and monitoring fraud and making payments.

I have called 3 times to get enrolled since I was getting a vague error message and directed to call a help line. First call over 30 minutes and they submitted a ticket to fix the issue. I called again on XXXX and was hung up on. Called back and spoke with a supervisor on XXXX to resolve the issue. The supervisor told me I need to go to the branch to show ID to get my phone " Authorized. '' When I asked him if this would 100 % guarantee a fix he started backtracking. 
The reason I am having this problem is because it is banking practice to merge decades old data from closed accounts with new accounts. My account was populated with outdated and insecure/wrong information leaving my account open to hackers and social engineering attacks.

I can use the credit card, I can receive text message from Wells Fargo.. I even activated the card with a QR code with the phone in question. But they won't allow me access to the most important tool to monitor and pay 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had a hold on a XXXX savings account with Capital one. I was given a check for work which an XXXX XXXX of mine deposited. Since XX/XX/XXXX their has been a hold. We have verified the issuer and my funds have been held since. it is a substantial amount ( $ XXXX ). Today I check my account and I see that the funds were withdrawn without any notice and or call. I have been attempting to contact Capital one to find out whats been going on and havent had an answer from them. The withdrawal occurred XX/XX/XXXX. And Appears as " Customer Withdrawal Hardhold ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I have submitted numerous requests to Experian to have the student loans under XXXX removed. Experian is the only credit bureau with this still on my credit report and it has been over a year and they still will not remove it. Their system will show the number of times I have requested this and as of XX/XX/year>, it still has not 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 2025-02-01 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: Capital Core Advisors LLC
State: OH

Complaint narrative:
On Wednesday, XX/XX/year> I was contacted by a company called capital for advisors pretending to be people that work with my loan provider XXXX. They told me that they are doing a loan payback service where if I pay {$900.00} with my XXXX XXXX credit card, they will forgive the rest of my loans and I will not have to pay anymore. The money was taken from my XXXX XXXX credit card and when I saw this, I contacted XXXX my loan provider and they told me theyre pretending to be a false sensory working with them and are not legit and told me to contact XXXX XXXX immediately to get the money back. I contacted XXXX XXXX to dispute the charge. They flagged it but then told me theyre not able to send the money back to me and told me to contact you. Theres no way for me to get in touch with the false company because the phone number is now disconnected and I am unable to reach anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous information on my credit report that has caused me financial harm, including being denied loans and credit cards. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. 

Upon reviewing my credit report, I have identified incorrect information that has negatively impacted my creditworthiness. This misinformation has resulted in my inability to secure credit, causing undue financial distress. Under the FCRA, you are obligated to investigate and correct any inaccuracies within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ). 
The specific inaccuracies include : XXXX XXXX XXXX XXXX XXXX payments. 
XXXX XXXX XXXX XXXX XXXX late payments. 
Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Equifax and Experian for failing to uphold these obligations, it is evident that there has been negligence in ensuring fair and accurate reporting. Due to this negligence, my credit score has been unfairly affected, and I have suffered damages, including credit denials. 

Under the FCRA : You must conduct a thorough investigation within 30 days ( 15 U.S.C. 1681i ( a ) ). 

If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

You are required to notify the creditor or furnisher of my dispute ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). 

I demand that you immediately investigate this matter and correct the inaccuracies. Additionally, I request that you provide me with a written statement of the investigation results, an updated copy of my credit report, and confirmation that any erroneous data has been removed or corrected. If you fail to comply with these legal obligations. 
Please confirm receipt of this letter and respond to my dispute within the legally required timeframe. I expect to receive confirmation of the corrections within 30 days as mandated 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 non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous information on my credit report that has caused me financial harm, including being denied loans and credit cards. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. 

Upon reviewing my credit report, I have identified incorrect information that has negatively impacted my creditworthiness. This misinformation has resulted in my inability to secure credit, causing undue financial distress. Under the FCRA, you are obligated to investigate and correct any inaccuracies within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ). 
The specific inaccuracies include : XXXX XXXX XXXX XXXX XXXX payments. 
XXXX XXXX XXXX XXXX XXXX late payments. 
Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Equifax and Experian for failing to uphold these obligations, it is evident that there has been negligence in ensuring fair and accurate reporting. Due to this negligence, my credit score has been unfairly affected, and I have suffered damages, including credit denials. 

Under the FCRA : You must conduct a thorough investigation within 30 days ( 15 U.S.C. 1681i ( a ) ). 

If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

You are required to notify the creditor or furnisher of my dispute ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). 

I demand that you immediately investigate this matter and correct the inaccuracies. Additionally, I request that you provide me with a written statement of the investigation results, an updated copy of my credit report, and confirmation that any erroneous data has been removed or corrected. If you fail to comply with these legal obligations. 
Please confirm receipt of this letter and respond to my dispute within the legally required timeframe. I expect to receive confirmation of the corrections within 30 days as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
shared my information without my authorization. has caused damage to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Upon reviewing my credit report I noticed unauthorized inquiries which are negatively impacting 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt was included in debt consolidation program and sold to MCM. 

This is NO LONGER my debt. I do NOT owe MCM. 

They have harassed me with phone calls, emails and collection letters. 
They have reported this debt to the Credit Bureaus causing me the inability properly maintain my household. 

MCM has caused undue and unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Date of Birth : : The Date of Birth listed on my credit report is incorrect. My Correct Date of Birth : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2025-02-01 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
Refinanced with another loan servicer after XXXX ( XXXX XXXX XXXX ) bought out previous servicer, XXXX. XXXX was completed XXXX. Received notification on TransUnion credit report XXXX that account was 30 days delinquent resulting in a XXXX point drop in credit score. Called XXXX XXXX same day and was informed there was no way to expedite dispute even though the fault is theirs.

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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