vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: GA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was charged for XXXX Dollars by XXXX XXXX in XXXX texas on my debit card after it was stolen on a cruise. i tried to get the claim filed and they just denied it. i tried again and they kept sending me through loops to not reimburse me and now they are telling me since it has been a year on the transaction they cant reimburse me at all. they stalled me out for a year to use that as an excuse and now wont help me 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 monetary relief
Consumer complaint received 2024-08-14 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:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXXXXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from 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 2024-08-14 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 ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year> we made a reservation for a car rental on XXXX. As it was confirmed we proceeded to make the rest of our trip arrangments. On arriving at the airport we were met by the shuttle driver who stated that there were no cars to be had as there were several conventions going on at the time. He was very adamant that it would be a waste of time to go to the XXXX XXXX. We tried to call the Rental Agency several times but each time were sent immediately to voicemail. We left messages but received no response. We then opted to have our credit card company dispute the charge of {$380.00}. They proceeded to issue us a refund but after 3 weeks re-charged our credit card for said amount. We provided all the information they requested and after several hours-long phone calls they determined that as we had no written paperwork from the Rental Agency and according to the Rental Agency 's No-Show policy, we were not due a refund. I could probably survive an almost {$400.00} hit to my budget, but it seems our credit card company would rather let us take the hit than fight for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I made a XXXX transfer between accounts at 2 unrelated banks. Ally then froze my life savings in my Ally savings account. They also froze the ability to transfer money to and from the external accounts on file at Ally.

This Ally account is a joint account I hold with my wife. My wife added her savings account at another bank as an external account when we opened the account. I was told that they cant unfreeze my transfer services on the account that my added because we are not joint account holders at the bank that account is with. This does not make any sense because the we hold the account at Ally jointly and therefore I am authorized to make account changes on behalf of both of us. 

When I called, I was told that a work order would be submitted and that the ability to move money in and out of my accounts would be restored in 1-2 business days. This SLA is injurious to consumers.

I was not told why my accounts were frozen.

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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I purchased a washing machine from Best Buy on my Best Buy XXXX card at the end of XXXX, XXXX for {$XXXX}. I made {$XXXX} payments on my card on XX/XX/XXXX and XX/XX/XXXX. These payments had me well out in front of the minimum monthly payment. I had an auto-pay setup in my bank account to pay {$XXXX} again on XX/XX/XXXX. I received a notice that my account was in arrears and I would be assessed a {$XXXX} penalty. I called and complained that my account was well in front based on my payments and didn't understand how my account could be behind when they had received nearly half the balance within 60 days. I was informed that doesn't matter. Today ( XX/XX/XXXX ) I paid the balance including the penalty and closed my account. I will never do business with XXXX again. My feeling is that they stole {$XXXX} from me, or perhaps they invested {$XXXX} in their advertising and marketing of how they operate as gangsters and thieves. Regardless, I am very unhappy and reporting their business practices in the hopes they will be curtailed. My account was over XXXX years active. I had received credit increases and spent over {$XXXX} on my card, always paying my account early. I am the victim of theft at the hands of 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : SYNCB/BRANDSMART Account number:XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX XXXX XXXX  I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2024-08-14 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: PA

Complaint narrative:
I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1.

A C C O U N T N A M E : # XXXX XXXX XXXX, A C C O U N T N A M E : # XXXX XXXX, H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.

1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.

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 2024-08-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Reference XXXX. Citibank denied credit based on an invalid derogatory on my credit bureau. They also used an incorrect score of XXXX instead of the other credit bureau scores of XXXX. They did not explain why they used the one score, XXXX, that is 100 points lower than XXXX XXXX and XXXX. I supplied copies of my scores from all three agencies but they did not respond to my questions about the discrepancy.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding the handling of Account # XXXX, which is currently being reported as a Profit and Loss Write-Off on my credit report. 

Summary of XXXX : Request for XXXX of XXXX : I have previously requested proof of the alleged debt associated with this account. Despite my requests, I have not received any documentation that validates the debt. 

Request for XXXX Form : Since this debt has been reported as a Profit and Loss Write-Off, I requested a copy of the XXXX form that should have been issued as part of the debt cancellation process. To date, I have not received this form. 

Legal Requirement for Deletion : Without the necessary proof of debt and the XXXX form, the continued reporting of this account as a Profit and Loss Write-Off violates federal law. The Fair Credit Reporting Act ( FCRA ) requires that inaccurate or unverifiable information be promptly deleted from consumer credit reports. 

Request for XXXX : Investigate the failure to provide the requested documentation. 
Ensure that either the required proof of debt and the XXXX form are provided or the negative tradeline is deleted from my credit report. 
Enforce compliance with federal law by imposing appropriate penalties. 
Attached Documentation : I have attached the following documentation to support my complaint : Copies of my previous requests for proof of debt and the XXXX form. 
A record of the account, including proof of delivery via certified mail with tracking. 
A notarized copy of the current dispute of debt letter. 
This ongoing issue indicates a failure to comply with federal law, specifically XXXX XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA

Complaint narrative:
I was on the XXXX repayment plan. On XX/XX/year>, I was out on administrative forbearance for this plan. At the time, my student loan balance was approximately XXXX dollars. I have been on administrative forbearance since then and was told by XXXX XXXX that during the time of forbearance I would not be charged XXXX on my loan. I received a letter yesterday from my servicer, Mohela. The letter mentioned that my interest on my loan had capitalized and they added XXXX to my loan amount. However, I did not have any event that would trigger loan capitalization ( i.e. switching to a different repayment plan, loan consolidation, etc. ). I believe that this interest capitalization was made in error as I should still be in administrative forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today is : XX/XX/year> Yesterday, I activated a cash advance of {$XXXX}. I received the cash, but due to a " back office dispute, I was MASSIVELY overcharged and have at least XXXX transaction for cash advancement that was not placed. 

Yesterday, I called the credit card company ( XXXX XXXX ), and at least twice when I asked over the phone " Is this ~ {$XXXX} in credit spendable. ( I asked this because I JUST exited my hotel room at The XXXX @ XXXX, and the purchase was at least {$XXXX}. 

They again confirmed and that charge WAS pending on my credit card balance of credit availability. 

So, XXXX I spent some money on a suit and some jewelry thinking I have the credit to do so... 

This morning, I woke up and checked my accounts ; {$XXXX} credit limit, and I had not spend more than {$XXXX} XXXX. I called both The XXXX and XXXX XXXX and even though I was in a banking career for XXXX, and have had active checking for about a decade now with XXXX XXXX 

Now, due to their lack of education or technical disputes, I am $ XXXX {$XXXX} over my credit limit on that card. I could have very easily put the brakes on my spending, Yesterday, and thought I was in the clear. 

Their reconciliation process leaves much to be desired, because you don't actually know how much you have spent. 

In addition, my card has been declined before this incident, this last week, buying minor purchases ( coffee, water, XXXX XXXX ). 

About a month ago, XXXX XXXX neglected to tell me via any method of contact about the interest accural on my XXXX  card ( for cash advances ) was daily... not weekly or monthly. 

I have accounts elsewhere and have not had these issues with any of them upto this point. 

The XXXX @ XXXX, XXXX have not charged we at time of booking ( in which I should have had a discount given my XXXX works for XXXX ). and then the put an authorization hold on that same card for room and incidentals. 

I called them today and told me the hold release is dependent on my bank. I called the bank and they said it was The XXXX causing the problem. Paradoxically. 

So I am complaining today over XXXX XXXX, XXXX, and the XXXX @ XXXX. 

I need this to straighten out. 

Best Regards, 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2024, I received email notifications from both XXXX and XXXX that a credit inquiry by Capital One hit my credit report. I immediatly contacted the Capital One application department. They verified that a credit application was received on XX/XX/2024 using my SSN for a Quicksilver card. I confirmed I did NOT submit this. The Capital One App department flagged the application as " fraud '' and their Fraud Dept will cancel the application within 3 business days. They also stated the application inquiry will drop off my credit history within 60-days. Finally, they suggested I contact one of the credit bureaus to place a victim statement on my credit report. 
I contacted XXXX. They verified I have a " lock '' on my credit and they also added a " fraud alert '' notification that is good for one year. This will also be shared with the other credit monitoring agencies within 24 hours. 
I am submitted this report to get in on record with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called to inform both card companies and credit bureaus and both were not able to assist me in resolving this issue. 

Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I frequently use by card ending in XXXX, charging approximately {$60000.00} per year. I consider myself a good customer of the bank. I ask no special favors. I just want to be treated fairly. Today my card was denied for no apparent reason. Substituted another card, then went to the website. The site directed me to call XXXX. I did so, and the result was a nightmare of sitting on hold, listening to recording, fighting past menu selection, finally reaching people who did not understand why I was calling, or couldn't help me, or wouldn't help me, or put me on hold but dropped the call, or said they would transfer me to supervisors and then dropped the call. In XXXX instances, agents said they would call me back, but they never did. Ultimately, I realized it was going to be impossible to resolve the matter. So I called the number on the back of my card XXXX, and the results were the same.

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