vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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:
My account with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX, 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 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 that are reported 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. 


XXXX XXXX, XXXX XXXX, XXXX, 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/scrub> 2024, I initiated disputes with XXXX, XXXX, and Experian due to unauthorized accounts appearing on my credit report. Despite submitting these disputes, I have not yet received any response, and as a result, my credit score has failed to improve. This prolonged lack of resolution has led to a significant accumulation of debt as my credit applications have been repeatedly denied over the past five months. I am profoundly disappointed with all three credit reporting agencies for failing to comply with the law.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Tuesday the XXXX of XXXX, there were XXXX attempts to withdraw funds from my checking account. Each attempt was declined until a {$3500.00} withdrawal was taken from my account. 

On Tuesday afternoon I called Wells Fargo to report the transaction as fraud. I filed the claim and I am supposed to receive more information and the claim status in 10 days. Below is the transaction information from the fraudulent {$3500.00} withdrawal from my checking account. 


Merchant Name : XXXX Merchant XXXX, XXXX, XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Other Miscellaneous

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to cancel my Experian basic free account but there is no way to do so online and in looking up how to cancel it, they say to call them. I tried calling multiple times today ( XX/XX/year> ) and the automated bot asks for your social security number, which I didn't enter because I don't trust them and their online help states that you should have your membership number ready which I have and would happily share with them if asked but they don't. Then automated voice system doesn't have a cancel option and just continues to take me through a loop when answer that I want help with my membership ( which is one of the options they suggest ) and asks me the same question over and over again. I tried to ask for an agent and was told only very specific cases can be passed on to an agent without being told which cases and eventually the automated voice hung up on me. I still do not know how to cancel my account and they continuously send me emails even when all of my notifications are turned off and there is no unsubscribe link in the emails.

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
The company did not property validate this alleged debt. The instead only mailed a single bill they provided is not proper validation of the debt and will not suffice. I disputed the alleged debt that you are attempting to collect. I additionally requested validation of the alleged debt pursuant to my rights under the FDCPA. I requested a copy of the signed contract, I also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to the consumer credit reporting agencies. 1st you failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a bill only this is non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 2nd you have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. Lastly, you failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the state agency issuing the license number. You have not complied with the request that was made and was not proper validation. You have failed to provide any proof that it is me that owes this alleged debt. Under the FDCPA laws that have been requested by me in my initial request to you Since you were unable to provide proper validation of this alleged debt, I am requiring you to cease reporting and collection immediately. 

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
15 U.S.C. Sec. 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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. You have not showed me verifiable proof with my signature during the investigation and the reinvestigation that these accounts are mine. I Demand to see Verifiable Proof ( An original consumer contract with my signature on it ) you have on file of the accounts listed below. your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA Unverified Accounts must be Removed and if you are unable to Provide Me Copy of Verifiable Proof, you must Remove the accounts listed below. XXXX I Demand the following accounts to be correctly verified under the FCRA or be removed Immediately. [ 1.Account name : XXXX  Account number : XXXX ] [ 2.Account name : XXXX XXXX  Account number : XXXX ] [ 3.Account name : XXXX XXXX Account number : 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXX which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXX Last payment date XX/XX/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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Basically I reached out to Wells Fargo to report on unauthorized fraudulent activity on my card. I reported charges starting from XXXX XXXX XXXX totaling over {$3000.00}. I've been patiently working with Wells Fargo and they keep denying my claim stating i approved these charges when I did not. I also filed a police report and resubmitted claim just to be denied. This is unfair! 

I even attempted to reach out to merchants starting with XXXX and they couldnt provide information due to account being under somebody elses name. When I reach out to other companies, the same happens due to me not having any information on purchases details and names. This prompted me to reach out to Wellsfargo, and they have not been any help. Every time I submit a claim, they have a different response to why they are denying it. This is very draining, stressful and frustrating that I have to take these measures to be heard. Ive asked for higher up management to reach out to me and no one has. I just receive letters as form of communication with limited information on claim and it being denied. When I call them for more details as to why its denied they dont give me and just offer to resubmit. This has been going on for months and mean while the balance keeps rising due to interest fee adding up. 

Police report is added as attachment.

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 2024-07-08 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: OK

Complaint narrative:
My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX 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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX 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 2024-07-08 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: OK

Complaint narrative:
My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX 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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-08 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: AZ

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

Company 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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am being " re-tiered '' by Citibank from Citi priority to not a priority. This means that I have new fees to pay for my existing service. 

When I originally opened my Citibank accounts, my tier was Citigold based on my mortgage being counted in the banking relationship. After I set up numerous accounts to manage my bills, savings accounts and XXXX checking accounts, they unilaterally changed the criteria and no longer will honor the original agreement. I have direct deposits set up with the account, multiple accounts with my XXXX and XXXX on them, not to mention decades of familiarity with their system based making it very difficult to change banks. For example, I need to go to the bank with each of my XXXX XXXX and my XXXX sepearatly to change the acounts. I need to get my wife 's employer to change the direct deposit. It is a major hassle designed to keep me from switching banks and paying new fees. 

Citibank should have to abide by their original agreement.

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 2024-07-08 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: OK

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 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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I called the Wells Fargo customer service number XXXX to file a legitimate claim on my checking account for {$13.00}. I had ordered at a restaurant online, the business was permanently shut down when I arrived, so I called Wells Fargo to request this {$13.00} back. They gave me a credit and I thought the issue was solved. At XXXX XXXX, the same exact Wells Fargo customer service number XXXX is calling me back. I answer, and they identify themselves as from the Wells Fargo Claims department. They notify me over the phone that someone has accessed my online banking account, and has transferred {$340.00} from my savings to my checking account, and made two cash advances from my two credit cards, one for {$1200.00}, and one for {$1500.00} to my checking account. While he is telling me this over the phone, I log into the Wells Fargo app and I see these cash advances that someone had made in my account. The representative on the phone was in my online banking, and he said that my debit card was compromised, so he issued me a new debit card that ended in XXXX. My previous debit card ended in XXXX. I am not sure how he could have given me a new debit card number over the phone if this was not a Wells Fargo representative. He instructed me to add the new Wells Fargo debit card to my XXXX XXXX so I could have access to my funds while I waited for the new card in the mail. From there, since they were in my online banking making the cash advances already, they were able to access the new Wells Fargo debit card he gave me over the phone, and transfer {$3100.00} from my checking, to a XXXX XXXX. Before I was called back by this Wells Fargo Number, someone was already in my account making cash advances, I am not sure how the money was transferred from the new debit card they issued me over the phone, to the XXXX. And I find this whole situation incredibly suspicious, considering I originally called Wells Fargo to make a legitimate {$13.00} claim, and miraculously someone is in my online banking account two hours later. 

Wells Fargo has said that I won the claim against my credit cards, but they will not reverse the charges since the money was transferred from my checking account, out to this scammers account.

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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