vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Reply to WF COMPLAINT ID XXXX XXXX, please review the recorded Agreement ( of XXXX ) between Well Fargo Bank NA and me, copy attached. I have requested may times for you to how me where my agreement does not refer to a granted 10-day grace period. If you are allowed to not grant this 10-day grace period to me then why is it written in my Agreement. I make my payments each month, do not skip a payment or make my payment late ; however, my monthly statements keep asking me to make two payments and is showing that I have not made the current payment. Also, you keep referring to my statement as to how you are determining the process of each monthly payment and deciding to send out the monthly statement five days after the due date instead of on the eleventh day after the due date, so the 10-day grace period reflects as it has been granted on the statement. You should not refer to my statement as your guidelines for processing my payment, you should be referring to my Agreement only! The statement is not an agreement! Please explain! Also, stop wasting your money on sending me hundreds of copies of my history of payments statements as you are totaling wasting your time and money.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Back in XX/XX/2024, I submitted an inquiry through XXXX, which is my mortgage servicer, regarding cash out refinancing/HELOC options for my existing home. After I went through the process, I decided I did not want to leverage my home to pull out funds and cancelled the request. Within 24 hours of my inquiry through XXXX, I began to receive tons of unsolicited phone calls ( at least 5-10 per day for weeks ) from different companies claiming that I was looking for mortgage refinancing services. When I asked a number of these companies where they got my information from, numerous entities indicated that TransUnion had sold my information to them, and that's how they were advised that I was looking for mortgage assistance. I was absolutely appalled at the very notion that TransUnion, or any credit bureau, would sell any of my information without any consent. How many companies have my information now merely based on the credit bureau 's having access, and then profiting on my information. This is disgusting and quite unethical, especially since the consumer is unaware. I look forward to hearing from someone very soon.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One illegally locked my checking account after a check I deposited was NSF 'd by the person that sent me the check. They refused to provide me with information or proof of their written policy that allows them to hold my account hostage, especially with NO notice or explanation. I assumed they locked it when I could not transact due to suspicious activity or fraud. But that's not the case. On XX/XX/year> after an extensive phone call with support and a supervisor. They still have no information to show me that they can still have my account on lock. After more conversing they want me to be on the phone call with them to the remitter and they will question them about our relationship and why these funds are being sent. This is a complete invasion of privacy and I would not agree to these terms. With payment of my account being due on XX/XX/year>. They will not let me access my account to pay my fees or even let me close my checking account. I have no way to transfer funds easily from checking to credit card payment. They still offer no information on why they are locking my account and not even letting me close it completely to get my money out of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. Transunion and XXXX both provided me with copies of my credit report, but XXXX has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, Transunion refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with XXXX XXXX and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but XXXX has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with Jefferson Capital and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MO

Complaint narrative:
My account with ( DEPTEDXXXX ) 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 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. 


( DEPTEDXXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MO

Complaint narrative:
My account with ( DEPTEDXXXX ) 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 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. 


( DEPTEDXXXX  ) 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 2024-07-26 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:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MI

Complaint narrative:
I was checking my credit reports, and I found the following inaccuracies : Account Holder Name : XXXX XXXX XXXX XX/XX/year> Last XXXX XXXX XXXX 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. Account name XXXX  XXXX, Account XXXX, XXXX {$630.00} XXXX. Account name XXXX Account XXXX, XXXX {$7500.00} XXXX. Account name XXXX XXXXXXXX XXXX XXXX, Account number XXXX Balance {$750.00} XXXX. Account name XXXX, XXXX, Account XXXX, XXXX {$24000.00} XXXX. Account name XXXX XXXX XXXX, Account number XXXX, Balance {$740.00} XXXX. Account name XXXX XXXX, Account XXXX, XXXX {$410.00} XXXX. Account name XXXX XXXX XXXX, Account XXXX, Balance {$19000.00} XXXX. Account name XXXX XXXXXXXX XXXX XXXX Account XXXX, Balance {$0.00} The above accounts have violated my rights under 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.

Under 15 U.S.C. 1681 section 602 A, it states that I have the right to privacy. These false accounts above, are in violation of this section.

Under 15 U.S.C. 1681 Section 604 A ( 2 ), it states that a consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C. 1681e ( B ) 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.

The accounts referred to above are in breach of several sections of U.S.C. 1681, as referenced above.

Please remove the accounts above from my credit reports, as they are grossly inaccurate and in violation of 15 U.S.C. 1681. If this accounts are not removed, I will be seeking damages relating to such.

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 2024-07-25 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: MI

Complaint narrative:
I was checking my credit reports, and I found the following inaccuracies : Account Holder Name : XXXX XXXX XXXX XX/XX/year> Last XXXX XXXX XXXX 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. Account name XXXX XXXXXXXX, Account XXXX, XXXX {$630.00} XXXX. Account name XXXX Account XXXX, XXXX {$7500.00} XXXX. Account name XXXXXXXX XXXX XXXX XXXXXXXX, Account number XXXX Balance {$750.00} XXXX. Account name XXXX, XXXX, Account XXXX, XXXX {$24000.00} XXXX. Account name XXXX XXXX XXXX, Account number XXXX, Balance {$740.00} XXXX. Account name XXXX XXXX, Account XXXX, XXXX {$410.00} XXXX. Account name XXXX XXXX XXXX, Account XXXX, Balance {$19000.00} XXXX. Account name XXXX XXXX XXXX XXXX, Account XXXX, Balance {$0.00} The above accounts have violated my rights under 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.

Under 15 U.S.C. 1681 section 602 A, it states that I have the right to privacy. These false accounts above, are in violation of this section.

Under 15 U.S.C. 1681 Section 604 A ( 2 ), it states that a consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C. 1681e ( B ) 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.

The accounts referred to above are in breach of several sections of U.S.C. 1681, as referenced above.

Please remove the accounts above from my credit reports, as they are grossly inaccurate and in violation of 15 U.S.C. 1681. If this accounts are not removed, I will be seeking damages relating to such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: 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 60 days 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$5000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$820.00} XXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX i have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of 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 2024-07-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1900.00} XXXX XXXX  XXXX {$820.00} XXXX XXXX XXXX {$9800.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX i have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of my credit report.

Company response to consumer: Closed with non-monetary relief