vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against American Express for violating the Military Lending Act ( MLA ) in my case. I am currently on XXXX XXXX and have been wrongfully charged an annual fee on my American Express account, which I believe is in direct violation of the MLAs provisions protecting servicemembers from such fees. On XX/XX/XXXX, I contacted American Express to dispute the unauthorized charge and requested that they remove the fee. They responded by requesting documentation to verify my active-duty status and my eligibility for MLA protections . I promptly provided all requested documents through their designated process. As a result, American Expressed has applied MLA benefits to one of my accounts but refuses to apply them to my two other credit cards. The fact that American Express has reviewed my status and has determined I am eligible for MLA benefits clearly shows my other credit cards are also eligible. 

However, despite submitting the necessary information and following all their instructions, American Express has failed to remove the unauthorized fee from my account. Additionally, because the fee remains on my account, I am now accruing interest on charges that should not be there, further compounding the financial harm caused by their noncompliance. It has now been over three weeks since my initial contact with American Express, and they have yet to take corrective action. I am seeking immediate assistance from the CFPB to enforce my rights under the Military Lending Act and compel American Express to : 1. Remove the unauthorized fees from my account. 2. Refund any interest or charges that have accrued as a result of these fees. 3. Ensure compliance with the MLA for my account moving forward. I appreciate your prompt attention to this matter, as this ongoing issue is negatively impacting my financial well-being. Please let me know if you require any further documentation or information from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on XXXX XXXX student loan services as of XX/XX/XXXX. 

XXXX XXXX to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for XXXX XXXX and XXXX XXXX to remove all closed student accounts and 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on XXXX XXXX student loan services as of XX/XX/XXXX. 

Aid Advantage to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for XXXX XXXX and Aid Advantage to remove all closed student accounts and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
XXXX XXXX XXXX  charged me for charges to a guest who was linked to my trip group but was supposed to be charging that guest cabin. The parking attendant lied and stated he would pay when he left the garage and she went and charged my room before we got onboard the ship. I sent Sam 's Club Mastercard proof of my flights. Also, informed them who the vehicle was registered to in California and stated I am an SC resident and I flew in and used XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Dispute of Inaccurate Delinquency Reporting Comenity Bank XXXX XXXX XXXX XXXX Account ) To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX XXXX XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 

Complaint Details : Creditor : Comenity Bank XXXX XXXX XXXX XXXX ) Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
he CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
This is my XXXX attempt I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: MA

Complaint narrative:
They called me probably XXXX weeks ago now. They told me they were calling from Shepard. I had no idea who they were and they explained they were attempting to collect a debt. I asked what is the debt and how much. They said they can not give me that information because they need to verify who I am and they need my social and DOB. I knew this wasnt normal I told them this was t going to happen. They then said ok well its for XXXX XXXX. I have never heard of them so I asked for more information. They still wanted my social and DOB. I told them to remove from there contact list and never contact again. I then blocked the number. They are now harassing me and texting and calling from all different kinds of phone numbers. The first contact was probably about XXXX weeks ago. And the text messages from different number started yesterday Friday XX/XX/year>. This is creepy and makes me uncomfortable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
XXXX setup a payment for automatic draft on XX/XX/XXXX for {$790.00}. I was notified by Stellantis via email on XX/XX/XXXX the payment was returned by my bank. I made another payment on XX/XX/XXXX for {$820.00}. On XX/XX/XXXX two payments {$790.00} & {$820.00} posted from bank account. It shows I still owe a payment for XXXX and I should not. Stellantis has two payments but only giving me credit for one payment. I have sent in proof called and emailed multiple times and still have no resolution. I was told give it 24-48 hours for the system to update weeks ago, and still nothing. My accounts is now showing past due and I am afraid incorrect information is being reported to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
This is my XXXX attempt I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TransferWise Ltd
State: AZ

Complaint narrative:
Wise denied a direct deposit to XXXX XXXX on XX/XX/XXXX for {$4200.00} to pay a credit card statement with no explanation. 
Wise then denied an outbound transfer to my own bank account for {$1900.00} on XX/XX/XXXX, which would have been used with other funds to pay this statement. 
Wise sent an email on XX/XX/XXXX accusing me of violating the acceptable use policy, stating I was potentially residing in a country they do not support. Wise asked for details related to my transactions, which had nothing to do with this country, and I provided such information explaining the transactions made. 
Wise responded the same day with a generic email not addressing any claims I made, stating I had violated the acceptable use policy. 
I responded twice more on XX/XX/XXXX, first explaining the transactions once again with contextual information ( XXXX XXXX does not allow card usage in the country mentioned by Wise, XXXX no transaction could directly or indirectly related to the country stated ). 
I then plainly stated for the first time in a second email that I wished to close my account, but could not, as Wise would not allow account closure without me initiating a transfer, while denying all transfers. 
I also additionally made a new email chain on XX/XX/XXXX with Wise support myself outside of the email chain with the initial accusations plainly stating I'd like my account closed and funds transferred, or to be allowed to do this myself. As of XX/XX/XXXX this has not received a reply. 
I then wrote to Wise support on XX/XX/XXXX that I wished to close my account. Wise support would not close my account, but did state that all blocks related to the previous matter had been cleared. Wise support stated that the only reason my transfers were blocked was due my own failure to respond to the initial accusations made by Wise, which Wise support later acknowledged to be false in that conversation, and contextually appears to be false based on later replies by Wise via email. I attempted to transfer {$6000.00} to a new institution, and this was subsequently denied on XX/XX/XXXX. Wise 's only substantial response to my requests in the customer support chat was to block my access to the customer support chat, restricting my contact options to email or phone calls. 
On XX/XX/XXXX, I called Wise support, and asked to close my account and transfer my funds. Wise support did not do this. Wise support instead stated that I would be allowed to transfer my funds and close my account. I made a transfer on XX/XX/XXXX for {$6300.00} to my own bank account. 
On the same day, I received a response from the original support thread accusing me of violating the Acceptable Use Policy, wherein Wise again stated that all transfers will be denied until I answer more questions from Wise. I answered this questions and again requested to close my account with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: AR

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 2025-02-15 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: AR

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 2025-02-15 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: Central Portfolio Control Inc.
State: OH

Complaint narrative:
in accordance with the fair credir reporting act. the list of accounts below has violated my fderal proted consumer rights to privacy and confidentialty under 15 usc 1681 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these vilations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 reporting agency can not furnish a 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 the 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 2025-02-15 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: MI

Complaint narrative:
There are XXXX XXXX accounts listed on my credit report. These accounts are littered with inaccuracies. I want the fraudulent charges removed. I want the accounts with the re aging removed. The Credit bureau must report accurately according to the laws. Theres no accuracy in the listed accounts and therefore the bureau is fraudulently reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX is this accurate? Whose account is this? Where are you getting this? Why won't you really investigate this? You only say verified without investigating it. I have contacted this court. 
XXXX {$4900.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$2400.00} How is this account being verified? This account is littered with inaccuracies including ficiticious balances being reported. The dates are ficticious and I reported these accounts over and over because they are not accurate. The dates are not right, The balances are not right. 
Inquiries that are not mines. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Delinquency Reporting Alphaeon To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my Alphaeon account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 
Complaint Details : Creditor : Comenity Bank XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 
I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 
Requested Resolution : I request that Comenity Bank : 1. Conduct a full reinvestigation of my account status.

2. Provide documentation verifying the accuracy of the reported delinquency.

3. Remove or correct the delinquency if it can not be verified.

4. Update all three major credit bureaus with the correct information. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 
I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 
Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation