vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am making this complaint becasue I called American express Credit card to make dispute for the tickets I paid through American Express Travel, the credit card department did not make the dispute for me, they always reansffred me to their travel department and put me on hold for long time, no body was able to give me any answer nor results at all. 
I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX  ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX  on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. 
The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight. 

It's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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 non-monetary relief
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX. ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-16 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: AL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number ending in : XXXX Wells Fargo case number # and complaints # : XXXX. XXXX claim # on XX/XX/2023 XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Police report # XXXX Police Department # XXXX is attached. 

To whom this may concern at the CFPB, I filed a claim on XX/XX/2023 that was over 1 year and 4 months. 
I had my Wells Fargo ATM card on my XXXX and XXXX XXXX  account. I never used these accounts. I only used my XXXX XXXX time to pay for listing photos for my business. I came back from vacation XX/XX/2023 went to pay bills and I noticed I had money missing. I went through my Wells Fargo transactions and I noticed my XXXX and XXXX was hacked. I immediately filed a claim with XXXX, XXXX, Wells Fargo . 

Because there are XXXX charges on my XXXX XXXX totaling {$19000.00}, XXXX XXXX  account was hacked. XXXX is the one that told me to call my bank and file a fraud claim and XXXX deemed it fraud. I have spoken to over a 100 people with in XXXX XXXX andWellsFargoand no one will help me get my money back. I have filed numerous complaints and have spoken to so many people. 

WellsFargodeemed one of the charges FRAUD on XXXX XXXX letter is attached. 

All of my bills, credit cards plus interest and late fees and now Wells Fargo is suing me for {$10000.00} on my Well Fargo Credit card Case Number # XXXX, plus it goes on my credit report negativity, my car payments and late fees, my daughters school, and the IRS now has a lien on this account because I was supposed to pay them with the money that was taken out of my account. 

I have lost business over this and clients over this matter because I have not been able to pay things because of this money was taken out of my account and I am having to chase down Wells Fargo, XXXX and XXXX to get my money back. 

This has Destroyed my credit I am so emotional distort over this and my stress is so high it is causing me health issues. 

I am request your help to get my money back and damages. 

I notified the FDIC which told me to contact the OCC @ XXXX, OCC took my complaint and then told me to also contact the CFPB @ XXXX in which I filed a complaint. 

I have attached all documents and emails how I have tried to take care of this. 

I need someones help please. 

Thank you XXXX XXXX XXXX email : XXXX Phone : 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 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I have reached out to Mohela on at least 4 occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also reached out to StudentAId.gov ( XX/XX/XXXX ). Mohela responded each time with the same message that was just generic. 

This is the message : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

Please be advised, You must include the Borrowers signature and the date. This resulted in the denial of your forms. To ensure your application is correctly processed, please complete and submit another PSLF Form with the necessary corrections. Please be advised, the best way to complete a Public Service Loan Forgiveness ( PSLF ) form, and to check if your employer qualifies, is to access the PSLF Help Tool. The PSLF Help Tool may be accessed at studentaid.gov/pslf. 

We will continue to process your manually submitted PSLF form using the date an authorized official from your employer signed your PSLF form. To receive benefits of the limited PSLF waiver, the employers signature and date on your PSLF form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX., Thursday and Friday XXXX XXXX XXXX XXXX XXXX. CT. 

Thank you, MOHELA StudentAid.gov has not responded. 

This is my concern : I have missing time lapses on my student loan payment history when I was working full-time for an approved employer. Please explain the following time gaps where there are no eligible or ineligible payments reported. I would like to be credited for these missed reporting periods. Please investigate and let me know the outcome. 

Periods where there is no history reported meaning I don't know if the payments were eligible or ineligible because they are not reported. I would like to have my account credited for these missing time periods as I was XXXX XXXX XXXX XXXX XXXX  and should receive credit for these periods of employment. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MO

Complaint narrative:
First progress card is claiming I owe money on a charged off debt 1099-c. This account should show XXXX balances and showing high credit XXXX balance on history. Reporting inaccurate and showing days late this information should not be listed on a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: AR

Complaint narrative:
When looking at my credit report, I notice on all three bureaus they have different information. On my XXXX, it states I have {$310.00} past due and its in collection status. But says the last reported date was XX/XX/2023. How? On XXXX it states that I have no past due balance and last activity was XX/XX/2023. How? Due to violating FCRA 607 ( b ) I need this account removed immediately because it causing me hardship when getting assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-04-17 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: AL

Complaint narrative:
15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Acct : 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 2024-04-17 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: AL

Complaint narrative:
15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Acct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

SUNRISE CREDIT SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Acct : 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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Made my mortgage payment to Freedom Mortgage Company on XX/XX/XXXX for {$2500.00}. Freedom Mortgage Company drafted this payment from my checking account twice, over-drafting it in the amount of {$890.00} with a {$29.00} overdraft fee. I called Freedom Mortgage on Monday XXXX when this hit my account, and was told it was a mistake and I would be refunded the extra payment amount by XX/XX/XXXX. I was not, and I called again on XX/XX/XXXX, and was told they needed to verify with my bank that the payment had gone through for a refund to be processed, something that was not done the first time I had called. I was then told the payment would be processed immediately, no later than the next day. It was not. I called again on XX/XX/XXXX, and was told it should be in by the next day, but could give no guarantee. I asked to escalate the matter and speak to someone higher up, as I have been left with no money and an over-drafted account for over a week, for an issue that was from Freedom Mortgage Company in the first place. I was placed on hold for over XXXX minutes before the call hung up without resolve. I currently do not have money in that account to pay my other bills, or buy food, and have no faith that the issue will be resolved after being told XXXX times information that was untrue. The Freedom Mortgage Account shows a payment reversal made on XX/XX/XXXX a funds received on XX/XX/XXXX, but none of this is reflected in my checking account. Screen shots of these accounts without numbers have been attached.

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 2024-04-17 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: GA

Complaint narrative:
I looked on my credit report and I seen that XXXX XXXX XXXX  ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

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 2024-04-17 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: GA

Complaint narrative:
I looked on my credit report and I seen that XXXX XXXX XXXX  ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there! 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of a collection account that has been reported on my credit report by Experian. The account details are as follows : Alleged Creditor : XXXX XXXX Account Number : XXXX Open Date : XX/XX/2023 Amount of Alleged Debt : {$7200.00} I hereby refuse to acknowledge or pay this alleged debt until proper validation has been provided. I request immediate cessation of all inaccurate reportings regarding this account. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.

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