vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I spoke with Truist Bank today about a {$95.00} annual fee changed by XXXX XXXX. I was switched back and forth between XXXX and Truist trying to resolve this by asking them to return my money. I was placed on hold by Truist who told me that they had a special dept that handles this. When switched to the dept, they said that it was Truist who handles the subscription fee and that they only handles the miles. I could not resolve the issue and was not allow to file a fraudulent claim. I once held a XXXX  Truist XXXX  checking acct debit card, but had it closed and the annual subscription fee was NOT returned to me, and I have been unable to get the assistance from Truist bank or 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 monetary relief
Consumer complaint received 2024-04-01 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: IL

Complaint narrative:
This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was looking to book a flight and I was pressured by the agent at the airport to get the XXXX credit card in order to get 15 % off my flight. All the marketing states that you get 15 % off the flight and does not mention anything about requiring to have enough points to be eligible. I had to wait until my card arrived to book the flight, only to find that information out. At this point, the cost of the flight was also double the price than when I was looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: DE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations 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 non-monetary relief
Consumer complaint received 2024-04-01 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: GA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT .I DONT RECOGNIZE THESE ACCOUNTS AND I DID NOT AUTHORIZE THEM. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORTS, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and noticed a bunch of unauthorized credit inquiries that I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In early XXXX of this year I transferred my account balance to XXXX. That transaction was completed on XX/XX/XXXX on my end. Before this account balance transfer I had {$83.00} in points that I was supposed to receive in the form of a check and never got. 

The account was not closed when the balance was transferred, shortly after fraudulent chargers were made to the account and my {$83.00} was applied to those charges. 

I have been on the phone with Ally 3 different times regarding this matter, the last case I was transferred to some special department where they indefinitely put me on hold while wasting XXXX minutes of my time.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I sent a payoff to Citibank Credit Card in XXXX of XXXX it was received and posted on XX/XX/XXXX to my account. In fact a double payment was made and Citi had to issue a refund to me for the overpayment in the amount of {$12000.00} on XX/XX/XXXX. So, XXXX was held by Citi for 10 days before refunding. 
I recieved an email today XX/XX/XXXX that I have a late payment in the amount of {$6.00} which I was told by thier customer service was the finance charge from a balance transfer I had done earlier in XXXX that was not paid at the time I sent payoff to them. I was told that the account was 44 days past due and I had been reported to the credit bureau. I paid the amount ( which I should not have been charged, it should have been included in the payoff in XXXX. ) Two things... I am a XXXX XXXX XXXX XXXX XXXX and the handling of my personal credit is of great importance to do my job and is expected. I could be terminated for the XXXX XXXX XXXX 
Second I am recenlty divorced and we are in the process of selling the communial home at which time the proceeds were going to be used to pay down my current mortgage therefore lowering my monthly payment and hopefully reducing the interest rate. 
I do not qualify now because I was reported to the credit bureau by Citibank. This is unacceptable. I attempted to pay the account in full, there were more than enough funds to cover the {$5.00} they said was my carry over balance on XX/XX/XXXX ( again {$12000.00} was sent back to me on XX/XX/XXXX so this is just blantant neglegence and predatory practices on their part ; more than enough funds were availalbe to zero out my account. 
Because of their actions I can not refinance my mortgage and I could possibly lose my job in the financial industry.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
We are writing to file a complaint against Freedom Mortgage company, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, Lender NMLS ID : XXXX. This is due to misleading but damaging negative reports Freedom Mortgage has supplied to XXXX and XXXX about both of us, which has affected both our credit ratings negatively. 
These credit reports state that we paid our mortgage payment late for XX/XX/XXXX with Freedom Mortgage. This is inaccurate. We paid on time, as per usual, but the payment was short {$59.00} each, because we were unaware that a recent analysis of our escrow resulted in a slightly increased monthly payment. We rectified this issue as soon as we were aware of it on XX/XX/XXXX. Nevertheless, my husband 's credit rating, which has been well over XXXX points for many years, has dropped from XXXX to XXXX with XXXX on XX/XX/XXXX and from XXXX to XXXX with XXXX on XX/XX/XXXX. 
We subsequently wrote to Freedom Mortgage and requested that they retract these negative reports to the credit agencies, but they refused on XX/XX/XXXX. Yet, we received no letter in the mail last XXXX or XXXX from Freedom Mortgage regarding the escrow analysis / higher payment, nor any letter about the incomplete payment that was deemed late. Neither of our mobile phone numbers were called by Freedom Mortgage. While I did receive a couple innocuous emails with the subject line You have a new letter available, I do not recall consenting to only electronic notices for this loan number. Furthermore, there was nothing in the subject line to indicate that this was an important and urgent matter to distinguish it from the literally hundreds of emails I receive on a weekly basis in my email ( which is why I don't consent to electronic notices ). My husband received no emails regarding this matter. 
While it may seem, given our current still good credit rating, that this complaint is not warranted, we have plans to take out another mortgage and every point in a credit rating counts as far as the interest rate for which we will be able to qualify and the amount of the payments we will have to make. Also, its just wrong that Freedom mortgage can be so careless in their communication with us about such an important matter and have it affect us - and continue to affect us - in this negative manner with no consequence to them.

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 2024-04-01 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: DE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations 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 2024-04-01 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: NY

Complaint narrative:
Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 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 a person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 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 a person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I applied for an amazon store card that was being managed by synchrony bank. The transaction was declined because of an error with the credit company. Amazon used another card to charge me for the transaction so the transaction was settled by a Mastercard ending in XXXX which you can see on the invoice attached. 
Synchrony bank is still charging me for a transaction of {$390.00}. I spoke to them and they mailed me a check for the amount and agreed they made an error. They are still sending me bills for the amount. I even opened a claim with them but they are still insisting I owe them the money and are charging me late fees and interest payments. Amazon refuses to help because they are saying this is not their error even tho the card was advertised on their website please help. I ask Synchrony bank for a transaction ID but they can not provide one and continue hanging up the phone on me. I have been dealing with this for months now.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Comerica
State: CA

Complaint narrative:
I receive my Social Security Retirement on a Debit Card through a company called, DIRECT EXPRESS. It took 3 days to reach a person who knew what to do. She said she would need to send me investigation forms to to fill out and return to them If I don't get the forms back to them by XXXX. I HAVE NOT RECEIVED THE FORMS YET. They said if they don't receive the forms by that date. I will have to wait 90 days. When I call, either I'm told to call back because there are too many callers or I have to wait extensively to reach someone. I have been disconnected numerous times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXXXXXX XXXX XXXX, I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

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