vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: MD

Complaint narrative:
My XXXX XXXX XXXX that Ive made payments monthly from my XXXX XXXXXXXX account was mistakenly reported as fraudulent. I sent numerous affidavits stating it was a mistake and the account I was paying on through my XXXX XXXX XXXX account monthly was mine. I was told the card was being investigated, not closed and then it was restricted, still not closed. I tryed making a payment to the card this month but it was restricted and therefore was unable to. I received a call from an account specialist from XXXX XXXX stating I was being issued a new card with my balance transferred but the account wasnt closed. However, i received an email from Experian saying XXXX XXXX rejected the card closed, fraudulent but issued another card and now all my credit history was wiped out! Which I can prove I made payments. This goes against the FCRA and my rights to correct reporting! Im trying to buy a home. This was an error in the CFPB sending the wrong information to the wrong card as the XXXX is mine-now theres inaccurate reporting being done to the bureaus and it needs rectified! The account was never closed! The balance was transferred and the account is still active!

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 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Here is a suggested description for your XXXX complaint against American Express : -- - **Complaint Description : ** I am writing to file a complaint against American Express on behalf of my company, XXXX XXXX We applied for a line of credit, and American Express responded by stating that we had an account with an outstanding or overdue balance. I promptly rejected this claim and contacted them to investigate further. 

Following their investigation, American Express found that there was no outstanding account with a balance, which was initially the reason for declining our line of credit application. I patiently waited for them to complete additional research, anticipating that they would issue us the line of credit. However, they never got back to us regarding the matter. 

I subsequently called them again to revisit the issue and request further investigation to secure a line of credit. Disappointingly, American Express reiterated the same incorrect statement, asserting that there was an outstanding balance on one of our accounts, which does not exist. 

As a small XXXXowned business, we are seeking an appropriate resolution and a fair opportunity to obtain a line of credit. The repeated erroneous claims and lack of resolution have been frustrating and detrimental to our business. 

I would appreciate your assistance in resolving this issue and ensuring that American Express provides a fair and accurate review of our application. 

Thank you for your attention to this matter. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
I made a payment in full for the loan amount on XX/XX/year>. However, as of today, XX/XX/year>, the payment has not been applied to my account/loan. My account continues to incur interest and is in forbearance. I have called Mohela every month and spoken with a representative. Each representative has confirmed they see my payment in their other system. However, they have not applied that payment to my account. I also sent on XX/XX/year>, my bank statement as proof that the full loan amount was submitted and accepted by the Department of Education. I was reassured by the representative, XXXX, a manager in the Resolution Department, that the payment would be applied to my account by the end of the week and an official letter would be sent to me as a confirmation. I have not received either and I continue to receive notification in their system regarding what I owe. It is not legally right that Mohela/Dept of Education has taken my payment but not applied it to my account. I want this resolved. I have applied to XXXX XXXXXXXX and the ramifications to my future goals and career are in jeopardy because of this. If I do not receive a timely response and resolution and I will begin legal proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX stated that they sent me a communication sometime in XXXX about this alleged debt. They said they sent it via email. I do not believe them. I have since asked them to prove they sent the communication to me i.e provide a copy of the message they sent me but they have just decided to ignore 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 explanation
Consumer complaint received 2024-06-27 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-06-27 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-06-27 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: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This happened with Bank of America. I had about XXXX in my checking account. I setup a autopay for credit card from checking account for XXXX. I was charged twice for autopay. So my balance became XXXX. Now since the daily balance is below XXXX, i was charged a monthly fee of {$12.00}. The bank then returned the XXXX they debited by mistake from bank 's end. 
I contacted the bank multiple times and they said they will look into it but i never got my money back.

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 2024-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
We have received a new license according to which CITI must unblock and send our money to our account in a non-sanctioned bank. ( enclosed ) Previously, we have asked CITI to transfer our funds, but we didn't received it back. 
We found out that the amount of {$57000.00} under reference XXXX that CITI have sent on XXXX XXXX to our XXXX account was returned to CITI bank. XXXX asked to send funds again but with choosing XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) as a corresponding bank while entering routing. As they do not use direct corresponding accounts with CITI. 

When enter routing of transfer in the field XXXX of current swift message CITI should indicate XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in that field. 

Also we send our USD account details in a non-sanctioned bank Bank details for USD payment : BENEFICIARY BANK : XXXX XXXX XXXX : XXXX  BENEFICIARY : XXXX Leader Fruit ACCOUNT : XXXX Also we kindly ask CITI to share with us SWIFT message after sending transfer via XXXX. 

Looking forward to your prompt assistance in resolving the issue. 



Best regards, 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
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-27 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that i was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.

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 2024-06-27 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that i was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.

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 2024-06-27 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: FL

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-06-27 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: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX, I booked a round trip flight, fully using points from XXXXXXXX XXXX XXXX XXXX credit card rewards program. In XXXX, I called XXXXXXXX XXXX to change the return flight ( XXXX ) of this flight to a later date in XXXX. 


On XX/XX/XXXX, I called XXXXXXXX XXXX again, to change the date of the flight. This time however, the fare was more expensive, and this resulted in an extra cost of {$250.00}. I paid this directly to XXXX XXXX with my Elan Financial Services Credit Card. About a week later, I called once again to change the date of the flight, but this time, the fare was cheaper, so I was owed a refund of {$250.00}. XXXX XXXX stated that it could not be refunded back to my credit card, and would instead be sent back to the travel agency, which iXXXX XXXX XXXX XXXX XXXX travel partner. It was my job to claim this refund from XXXX XXXXXXXX XXXX, and XXXX XXXX sent me a receipt that would aid in this. 

On XX/XX/XXXX, I began correspondence with XXXX XXXX in search of the refund. I was in contact with them until XX/XX/XXXX. I gave them the refund receipt from XXXX XXXX, but they could not locate any refund. it was ultimately determined as " not their problem ''. 

On XX/XX/XXXX, I created a dispute for the {$250.00} charge with Elan Financial Services, XXXX. Shortly after, I received an email from XXXXXXXX XXXX stating that they are rejecting the dispute, as I need to work with my travel agency to retrieve my refund. After explaining the issues I had working with my travel agency, XXXX XXXX agreed to work it out without involving Elan Financial Services. They told me they would need documentation showing the travel agency 's unwillingness to refund my money however, to which I provided on XX/XX/XXXX. XXXX XXXX has not replied or continued to work with me afterward, despite what they promised. 

On XX/XX/XXXX, my dispute was resolved in XXXX XXXX 's favor, and the reasoning shows a lack of willingness to understand the problem. The reason stated is that the transaction is non-refundable per XXXX XXXX 's terms and conditions. If that's true, why do I have a refund receipt from XXXX XXXX, and they had said themself that I deserve a refund? 

This situation is exactly where a chargeback is valuable, however my card issuer does not seem to care at all.

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 2024-06-27 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:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report.

I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.

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 2024-06-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.

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