vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX co Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Unathorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account NumberXXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly XXXX.. 
Account Number:539176************ Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I Have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " to paid '' Under15 USC this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX  XXXX Account NumberXXXX This account needs to be validated XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX co Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX AV # XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX UNDER XXXX XXXX XXXX THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' XXXX XXXX this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX, XXXX Account XXXX This account needs to be XXXX 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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: KY

Complaint narrative:
On XX/XX/year> I attempted to cash a check using the XXXX  application which uses Ingo Money , Inc . Check cashing services. Front and back images of the check were provided and I submitted it waiting for approval. The Check was denied. 

I attempted to represent the check a 2nd time, I was presented with a transaction declined do not represent error no. XXXX. I have had issues in the past with Ingo Money wrongfully closing my account due to violation of terms of service and I have had the CFPB involved before to resolve the issue. 

I presented a perfectly good check from XXXX XXXX company as was sent to me as part of a reimbursement for prescriptions per my insurance policy. This check was perfectly good and honorable, and I at no time intentionally attempted to violate the terms and conditions of Ingo Money Inc. Check Cashing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian just lied and stated that the information was correct and validated by the us Bankruptcy courts which in turn is not to be true Ive continually tried over and over to have them properly investigate and remove this item under 15 U.S. 1681A2B

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX. 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 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 XXXX 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 XXXX 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 2024-06-14 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX 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 XXXX 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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Applied for XXXX credit card twice, Despite good credit history and no good credit score, Goldman Sachs did not register any complain, I believe its discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had the following two charges that were made WHILE I WAS WORKING AND DID NOT MAKE THE CHARGES. Wells Fargo fraud protection should have stopped the transactions after the first transaction, but did not, and then refused to refund my money even though I have ZERO LIABILITY FOR DEBIT CARD FRAUD!! Anyone could look at these charges and see that they're fraudulent : 1. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$500.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card Info Stored by Merchant Category Rent 2. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$200.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card # Entered by Customer/Merchant Category Rent The " company '' is a company with which the transaction originated in Texas, per the transactions, and the phone number attached to the transactions is a phone number based out of XXXX, UT. When you call the number, it's dead air, there's no ringing or anything. The charges were made for " Rent, '' per Wells Fargo, for somewhere either called " XXXX XXXX '' or " XXXX XXXX '' ( which one would surmise is located in Florida ). I live in California, and do not nor have I ever used my bank account or debit card to pay my rent, and Wells Fargo knows this. If you XXXX the phone number, you can see that there are quite a few people who have had similar problems with their bank accounts being drained via their debit cards for similar charges, at the following site : XXXX XXXX XXXX Anyone with half a brain could see that this is very obviously fraud, and Wells Fargo said that they had to " investigate my claim for 10 business days before a " Provisional Credit '' would be issued ; '' if someone has to wait 10 BUSINESS DAYS, IT IS NOT " PROVISIONAL '' AFTER THAT LENGTH OF TIME!! 

They also said, per their website that THEY PUBLISHED, that I should be able to view current information on my claim from my account on their website, and there is nothing on my account page on their website regarding my claim, so I have to call and speak to a representative, and 9 times out of 10, they just pass the buck and try to pay you lip service to get you off the phone. 

Due to the obviously limited intelligence of Wells Fargo and its employees, and the fact that they are not honoring my " Zero Liability for Debit Card Fraud, '' I can not make my car payment, and now I will be hit with penalties due to their incompetence. I will most definitely be closing my account, and I will be taking my business to a bank that is going to honor their contracts with their customers.

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 2024-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
In XX/XX/year> I was made aware of a past due account at XXXX XXXX XXXX after I received a phone call from them. Since I have never opened an account or purchased anything from XXXX XXXX XXXX, I was transferred to their fraud department where they filed a claim and said they would close the account and get back to me once a resolution was reached. 

Fast forward a few months to XX/XX/year> and I have a new collections account from Sunrise Credit Service who purchased the past due fraudulent account. I'm not sure why XXXX XXXX XXXX sold this debt after I made a fraud report or why Sunrise didn't verify the debt was valid before purchasing, but I'm trying to buy a home soon and want this gone 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 explanation
Consumer complaint received 2024-06-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

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 MONTHS REPORTING LATE 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. 

This company 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 explanation
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XXXX XXXX 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 XXXX days before the payment due date. 

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 XXXX  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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I found a charge while on my XXXX XXXXXXXX XXXX XXXX XXXX XXXX online banking portal that states as follows : XXXX XXXX XXXX  XXXXXXXX XXXX  Transfer To XXXX XXXX VA XXXX XXXX in the amount of {$250.00} that I did NOT authorize. 

I am not in the XXXX, and have no family in the XXXX which apparently, is the only way to have an account with them in the first place. 

I called XXXX XXXX XXXX  and of course, they said they'll do an investigation that can and WILL ( in my opinion ) take the entire 90 days to investigate an obvious scam. I then decided to call the source of this {$250.00} unauthorized charge, and while looking up their phone number, I was shocked to see nothing but headlines regarding class action lawsuits against this Navy Federal Credit Union for taking money that did not belong to them. I then placed the call with them and was disgusted by the man on the other line who was of no help whatsoever. He was very rude, & told me that he had no way of seeing the charge because I am not a member. To which I replied, " So, how did you take {$250.00} from me? '' To which he replied, " I don't know. '' At the end of the day, I did NOT AUTHORIZE the charge and have never even heard of them before all of this happened. 

Lastly, I think the ridiculous amount of headlines speaking of lawsuits and complaints against this firm as recent as this year is extremely telling. I truly need help as I've never felt so desperate and screwed over. I've been sitting here in tears because my bank, XXXX XXXX XXXX XXXX XXXX XXXX is absolutely no help whatsoever, and NO ONE will tell me anything regarding this fraudulent charge while simultaneously acting like " their hands are tied '' and there's nothing they can do to stop it or correct it. 

This entire situation has put me in a financial hole that I won't be able to dig myself out of, and it's not even any fault of my own. 

PLEASE HELP! ANYONE??! 

I would be so grateful, truly. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation