vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/year> I made a payment of {$300.00} on my credit card to be paid on the due date which was XX/XX/year>. On XX/XX/year> the credit card company took the entire balance which was {$6400.00} out of my checking account which left it at with a negative balance. I called the credit card company and they said that they would put the {$6400.00} back into my account resulting in a positive balance, which they did on XX/XX/year> and they told me just to pay the {$300.00} once the balance was put back on the credit card. However, on XX/XX/XXXX they once again tried to collect the {$6400.00} from my checking account. I do not have that much money in that account. This has resulted in a negative balance. I pay my other bills from this account and now the bills I have paid are being sent back as insufficient funds. The reason why I got this credit card years ago was because of the very low interest rate for the life of the loan. I have been religiously paying on it for the last few years every single month. First, I am afraid that the bills that I have paid using my checking account will come back as insufficient and I will be charged fees for those, which would probably affect my credit score. Second, Im afraid that I will lose the very low interest rate that I have for the balance of the credit card. Any help you can offer would be greatly appreciated. Thank you for your 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I received an invoice from GM Financial for a vehicle I traded in on or about XX/XX/XXXX. The vehicle in question was a single-pay lease so I had no monthly or outstanding payments. The statement date on the invoice is XX/XX/XXXX and is for {$430.00}. Upon receiving this invoice on XXXX  XX/XX/XXXX, I was suspicious of its validity as I was unaware of any outstanding balance, so on XX/XX/XXXX I elected to take the invoice to the dealership where I traded the vehicle and inquire about its validity. The dealership alerted me it was likely a " disposition fee '' and therefore was likely a valid bill. Upon receiving this information, I intended to call GM Financial on XXXX XX/XX/XXXX, and inquire about the reason for the outstanding balance and if valid, make payment. Much to my dismay, I received a credit alert on XXXX  XX/XX/XXXX that my credit score had decreased by XXXX points due to this surprise and questionable bill " being 30 days past due. '' This practice is outrageous and must be corrected. I received no prior invoice, phone call, email, etc... regarding this bill. The invoice date is only 12 days ago, and I received this bill only 3 days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I received a copy of my credit report and noticed a Hard Inquiry that I dont recognize. 

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 2024-03-03 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: SC

Complaint narrative:
I mailed out letters to TRANSUNION, XXXX, XXXX XXXX, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and Social as proof it was me and used a mail service to send out the letters.

Letter from Transunion - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I saw on my account the I initiated a closure of my accounts. I did not. When I spoke to bank they confirmed, later changed their reason and stated they decided to close my account. No reason or explanation given.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone put a credit inquiry on my report and haven't tryed to get credit th last 4 years Transunion said XXXX XXXX  had it happen

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MIDFIRST BANK
State: NC

Complaint narrative:
around a year ago I saw on XXXX that they had a mortgage that wasn't mine on my report.I have NO mortgage at this time. The mortgage happens to be my son and his wife. the names are different by the middle name. the address is next door to mine so house number is only difference. The SS numbers are different, the spouse name is different and birthdate is different. I filed complaint they refuse to remove it and put on correct persons 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 2024-03-03 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: SC

Complaint narrative:
I mailed out letters to XXXX, EQUIFAX, XXXX XXXX, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and XXXX as proof it was me and used a mail service to send out the letters.

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: SC

Complaint narrative:
I mailed out letters to XXXX, XXXX, EXPERIAN certified, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and Social as proof it was me and used a mail service to send out the letters. 

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency XXXX continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.

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 2024-03-03 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-03-03 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: Block, Inc.
State: TX

Complaint narrative:
I was paid XXXX by a customer that requested XXXX lash sets and equipments for XXXX clients in each class, its a partnership where I provided everything she needed for under XXXX! She has since then received all merchandise and already started her classes but Im not able to transfer my money on square or get my money for my products! I want to press legal actions against square and I want my funds asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX ( Account # : XXXX ) I am writing to formally dispute a billing error on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). After reviewing my credit report, I noticed billing entries that I did not recognize, which have adversely affected my credit score and financial standing. 

Violation of 15 USC 1681, Section 602 ( FCRA ) : The incorrect billing entries on my credit report do not reflect the accuracy and fairness mandated by this law. 

Violation of 15 USC 1681, Section 604 ( a ) ( FCRA ) : A consumer reporting agency may furnish a consumer report only under circumstances that are strictly authorized, which include the consumer 's explicit consent or a legitimate need for the information in connection with a credit transaction. 

Violation of 15 USC 1666b ( TILA ) : The billing error on my account has not been addressed in a timely or satisfactory manner, despite my attempts to resolve this issue directly with the creditor. This lack of action on their part constitutes a violation of my rights under TILA. 

In light of these violations, I am requesting the following actions : Immediate investigation and removal of this account from my credit report. 
Correction of the billing errors and an updated statement reflecting these changes. 
Written confirmation of the removal of and correction of the billing error. 

I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the FCRA. Failure to comply with these regulations will leave me no choice but to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these issues. 

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
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XXXX this company illegally reported me late for a payment I had no idea existed at that point. This company then proceeded to report another fraudulent late payment to my report 3 consecutive months in XXXX. Because of this false reporting, and illegal invasion of my consumer report this company violated my consumer rights and broke federal law. I will be pursuing legal action. This reporting has caused me to miss out on credit being extended to me. I have been denied personal and business loans and it has caused me emotional distress. Interfering with my marriage and caused me extended health problems. I want this entire account REMOVED IMMEDIATELY!

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My problem is with Citibank. Late last year, Citibank blocked three accounts I share with my XXXX mom. I have power of attorney, and she is XXXX and has the beginning of XXXX. I was told that the accounts were blocked because there were discrepancies in her retirement dates, triggering a provision of the XXXX XXXX. The block was removed. However, the block has been put back into place three times within the last six weeks. Two of my mother 's checks to her assisted living facility have bounced, and they are losing patience with her inability to pay her bills. I need to pay her other bills. I can't access my savings to pay her bills because my savings account is blocked. I have spent hours on the phone with Citi and the manager of her local branch. I get explanations and apologies, but no action. Citibank 's inaction affects my mother 's ability to pay her bills and my ability do my job. I can't spend hours on the phone begging them to fix their mistakes. I'm at the end of my rope.

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 2024-03-03 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:
Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor

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 2024-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is the second time I am submitting a complaint regarding this issue because the first time it was not resolved. A company reached out and I submitted the documents requested, but I never heard anything else and that was two months ago. 

XXXXI received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an XXXX digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!

Company response to consumer: Closed with monetary relief