vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: MI

Complaint narrative:
Hello, in XXXX of 2023 there was fraud done on XXXX of my XXXX  XXXX cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my XXXX  XXXX credit cards. i called XXXX  XXXX and they never reached back out about the update on yhe investigation. They just closed all three of my XXXX  XXXX credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called XXXX  XXXX and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these XXXX XXXX off my credit.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Called Dealership and Bank numerous times with no assistance. Dealership advised they will look into issue for a resolution, car stopped working was sold a car and a year later car needs major repair that is expensive.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Called Dealership and Bank numerous times with no assistance. Dealership advised they will look into issue for a resolution, car stopped working was sold a car and a year later car needs major repair that is expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Called Dealership and Bank numerous times with no assistance. Dealership advised they will look into issue for a resolution, car stopped working was sold a car and a year later car needs major repair that is expensive.

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 2024-06-20 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: 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 in XX/XX/year> to XX/XX/year> 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 2024-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX All creditors above have violated my rights 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 2024-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX # XXXXXX/XX/XXXX-Acct # XXXXXX/XX/XXXX-Acct # XXXX XX/XX/XXXXAcct # XXXXXX/XX/XXXX Acct XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT # XXXX, XXXX XXXX XX/XX/XXXX- ACCT # XXXXXX/XX/XXXX-ACCT # XXXX All creditors above have violated my rights 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 2024-06-19 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMCB performed an unauthorized hard inquiry on XX/XX/XXXX, under my maiden name, which has not been my name since XXXX They then sent a credit card to my current address, again, without my permission. When I contacted the company, I was transferred 9 times, told the same story 9 times and still no one knew who was supposed to handle the complaint. On the 10th transfer, I spoke with someone in fraud department and was finally about to file a complaint. He had no idea how long it would take to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and attached XXXX response XXXX Please see prior attachments with that complaint. 
On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXXXXXX, XXXX XXXX The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. Wise " partners '' with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from Wise support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX ( see attached ), and claimed they returned the missing funds to XXXX XXXX XXXX on XX/XX/XXXX. They recommended I contact XXXX XXXX XXXX to retrieve the funds. I met with a XXXX XXXX XXXX banker in XXXX, Colorado on XX/XX/year>. I was informed that only Wise ( who originated the wire transfer and partners with XXXX XXXX XXXX for wire transfer services ) can retrieve the funds. I contacted Wise by email on XX/XX/XXXX requesting them to retrieve the funds ( see attached email ), and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( XXXX XXXX XXXX ) in having the funds recovered, but also suggested that XXXX XXXX XXXX would have returned the funds to my Wise account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). See the attached email from Wise. Wise has been unhelpful throughout this process to recover the missing funds. They initiated the wire transfer using XXXX XXXX XXXX as their " partner '' for the wire, but now claim they are incapable of retrieving the funds from their " partner '' and returning to my Wise account. They are seemingly also suggesting that XXXX did not return the funds to XXXX XXXX XXXX ( as XXXX claims in their CFPB response ), or that they are incapable of working with their partner ( XXXX XXXX XXXX ) to locate and retrieve the funds. There is a record of the fund transfers but the involved parties don't seem willing or capable to get the money back to its rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}

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 2024-06-20 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC
State: TX

Complaint narrative:
Debt collectors who use abusive, unfair, or deceptive practices to collect debts are in violation of the law. Recovery Solutions Group , LLC left a deceptive voice message. In that voice message, XXXX XXXX stated that he had been hired by XXXX XXXX, Recovery Solutions Group, to do a complete asset and liability investigation and that he would begin on his investigation XX/XX/XXXX. In the message XXXX XXXX stated that he was working File # XXXX and would investigate Internal Revenue Service, Alcohol Tabacco and Firearms, Texas Attorney General, Insurance Commissioners Office looking for insurance fraud. XXXX XXXX is a XXXX retired XXXX veteran in poor XXXX who was very much emotionally distressed by this unconscionable harassment. We believe that this constitutes a violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. Given the age and poor health of XXXX XXXX this egregious violation undoubtedly warrants special circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MS

Complaint narrative:
Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 daysXX/XX/XXXXAccount number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 XXXX XXXXXXXX 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 XXXX 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 explanation
Consumer complaint received 2024-06-19 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX,XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX # XXXX & XXXX XX/XX/XXXX# XXXXXX/XX/XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX : # XXXXXX/XX/XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-19 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, and Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I have reached out to Indigo several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all three credit agencies.

Company response to consumer: Closed with explanation