vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - paid account balance in full {$200.00} online, called Comenity Capital Bank to cancel the credit card. Was told they show I paid my account in full and my credit card would be closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$62.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received late fee 's and interest, paid account balance in full again {$210.00} and again called Comenity Capital Bank to confirm credit card was cancelled. Again was told my account was paid in full and my credit card was closed. 
XX/XX/XXXX - Received letter Paid In Full Letter from Comenity Capital Bank. 
XX/XX/XXXX - Was notified my payment was due of {$3.00} interest so I again paid in full. 
I don't know how to make this stop, I really need help, Comenity Capital Bank has been no help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX account has a withdrawal limit of XXXX per statement cycle. This account is advertised as a savings account with features of a checking account, such as a debit card for spending and checks. I believe that this withdrawal limit is misleading. On the account overview and personal deposit fees schedule PDFs they have on their website, it says it applies to withdrawals and transfers made from a branch, ATM, by mail or between any electronic means. I interpreted the electronic means to include online transfers between bank accounts, and withdrawals to mean withdrawing cash at the bank and ATM. I do not see debit card purchases specified anywhere in these documents. If this had been specified in these documents, I would not have made these debit card purchases. When I spoke with someone on the phone on XX/XX/XXXX, they said that debit card purchases using a POS counts as withdrawals from the account. I do not see this in writing anywhere. Also, it says they charge a {$15.00} fee per withdrawal over XXXX. I have been getting charged amounts such as {$30.00} on XX/XX/XXXX ( XXXX statement XXXX {$30.00} on XX/XX/XXXX and {$45.00} on XX/XX/XXXX ( XXXX statement ) at once. If I had been given the immediate {$15.00} fee after making a debit card purchase, this would have been less misleading. I believe these {$15.00} fees should have been separate transactions. On my account statement, withdrawals, debits and service charges are where I can review transactions in which money was taken out of my account. This language makes it seem like debits are different from account withdrawals. Debit card purchases are also distinguished from online transfers and atm withdrawals. On the apps posted transactions, when I click on transactions Truist app tells me that these are POS transactions and Debit. They are not classified as transfers or withdrawals. I feel like the language for their withdrawal limit fee is very vague and misleading. These fees total to an amount of {$100.00}. Truist only gave me a courtesy fee of {$75.00} on 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I have more than XXXX USD deposited in Juno checking account. Starting XXXX, I lost access to my funds. I can not transfer this fund out to other banks. I can not withdraw any money either. 

I am aware of these statements from Juno : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: KY

Complaint narrative:
I opened an account with Key Bank ( XXXX XXXX ) and have been receiving their promotional monthly checking bonus amounts. I have received a letter stating that they are closing my account due to it being " high risk ''. I have to rush to get my deposits switched and there is some lag in processing. In addition, I have to move all my finances. I have not been given a solid reason why this determination has been made. 

There is nothing about my account that is high risk. My deposits are my primary employment ( state financial institution examiner ) and I sell stickers on XXXX and XXXX. I am well aware of BSA rules and it is bizarre to think my account is high risk in any manner. I don't have very high deposit volume and it is from established sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report, which is managed by Experian. As an XXXX XXXX member, I have had an XXXX XXXX on my credit profile since beginning XXXX XXXX in XX/XX/XXXX. Despite this alert, several credit inquiries have been made on my report without proper verification of my identity, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Details of My Complaint : XXXX Alert : My credit report includes a specific alert stating, " XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT # # # - # # # - # # # #. 
Unauthorized Inquiries : Despite this alert, the following inquiries were made on my credit report without proper authorization : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Legal Basis for My Complaint : FCRA Compliance : 15 U.S. Code 1681c ( a ) ( 1 ) : Requires credit reporting agencies to maintain accurate information on consumers ' credit reports.

15 U.S. Code 1681b ( c ) ( 2 ) ( B ) : Specifies that credit inquiries must be properly authorized. 
SCRA Protections : The Servicemembers Civil Relief Act provides additional protections for active-duty service members, including safeguards against unauthorized credit inquiries. 

Efforts to Resolve the Issue : On XX/XX/XXXX, I submitted a formal dispute to Experian requesting the removal of these unauthorized inquiries. I provided all necessary documentation, including a copy of my identification and proof of my active-duty status. 
Despite my efforts, the unauthorized inquiries have not been removed, and I have not received confirmation of their removal within the mandated 30-day period. 
Desired Resolution : I respectfully request the immediate removal of the unauthorized credit inquiries from my credit report. Additionally, I seek written confirmation from Experian that these inquiries have been deleted and that my credit report has been corrected. 

I appreciate the CFPB 's assistance in addressing this matter and ensuring compliance with the relevant laws and regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: 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: TX

Complaint narrative:
On XXXX XXXX I called into American Express to dispute a charge of {$690.00} for a hotel charge that we never stayed at. A customer service agent named XXXX with ID # XXXX told me I will not need to worry about the charge, ever. 
Although they would dispute the charge with the vendor, I would not ever have to worry about the charge. 
I have provided everything to them that they have asked for. 
Two weeks later, the charge was back on my billing statement. 
After many calls and disputes, they tell me they will address this for me only to see the charge back on my billing statement. 
Bottom line, they have told me that I will never have to worry about or pay the charge I am disputing, but they turn around and keep putting the charge back on my account. 
They will not do anything about the dispute now and hang up on me when I try to address it. 
I have been with them for XXXX years, never late on a payment, and this is how they treat me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My debit card was lost/stolen and fraud and unauthorized charges were made. Bank of America sent me a new debit card but denied my claims. XXXX was detected on my phone and promptly deleted. The charges were made via XXXX with my debit card information. I have never used XXXX prior to this. I was not notified by Bank of America and XXXX  for these fraud transactions. Upon checking XXXX, I noticed the funds were used to purchase crypto and sent off to an unknown address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
On my credit report is shows that on XX/XX/year> a mortgage loan in the amount of {$290000.00} was opened through New American Funding and on XX/XX/year> it was reported. I did not purchase/close on this property therefore this mortgage should not appear on my credit report. The loan officer that I was going through reached out to the company and they said they would solve this issue since it was a mistake on their part, however it has not been resolved since it still appears on my credit report. As a result of this, I have not been able to purchase a home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Loan is paid in full needs to be updated with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to FCRA 605B, we should delete any incorrect accounts from my credit history. Can you check the documents? There are discrepancies in the reported accounts, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I believe the account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX XXXX responded to a complaint stating the account was terminated and not being reported to any bureau. I then filed a dispute with Experian to remove account from my consumer report because it is reporting inaccurately. Experian sent me an email today stating that the company XXXX verified the account. How was the account verified and it has been terminated. Experian is reporting inaccurate accounts to my consumer report. Experian is violating my consumer law rights by knowingly reporting inaccurate accounts to my report. I have enclosed copies of the letters to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This reporting agency continues to furnish information that has been pre-opted out of as well as identity theft reporting inquires. Upon asking for validation, the company just verified the account, but didn't provide the information used to verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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