vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: AZ

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

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 2024-07-30 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: MI

Complaint narrative:
accounts was open fraudulent in my name witout my knowledge

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 2024-07-30 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: MI

Complaint narrative:
accounts was open fraudulent in my name witout my knowledge

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 2024-07-30 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-30 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-30 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: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I made an international wire transfer ( {$31000.00} ) but because of wrong XXXX XXXX, the money was sent to the wrong bank XXXX XXXX  in XXXX. On XX/XX/XXXX, I submitted request with wells fargo to call this money back and I was told I needed to wait at most 30 days for that money calling back. 

Till today XX/XX/XXXX, the money is not returning to my account. During the time between XX/XX/XXXX and XX/XX/XXXX, I called wells fargo multiple times to check the return status but I was told they tried to contact XXXX XXXX XXXX XXXX and no response from them. 

So I submitted complaint to XXXX XXXX XXXX to try to solve this issue. I got the reply from XXXX that this money was returned back to wells fargo on XX/XX/XXXX already. And during this time, XXXXXXXX XXXX XXXX XXXXXXXX tried to contact wells fargo twice sending XXXX  but no response so they have returned the money back to wells fargo due to unable to apply the money. 

On XX/XX/XXXX, I contacted wells fargo to check the return status and they still told me they do not know where is the money but I got documentation from XXXX government that the money have returned to wells fargo on XX/XX/XXXX already. So wells fargo refused to give money back to my account after they received the 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 2024-07-30 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: NC

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 XXXXXXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights I looked at my Equifax credit report on XX/XX/year> 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation 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 the item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the re-investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified from the file of the consumer.

( iii ) 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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have a Chase Ink card for my company. In early XX/XX/year>, I requested that XXXX XXXX gift cards for {$100.00} each be sent to me from my accrued points ( total coast was XXXX points ). I never received them. At the end of XXXX, I called and they told me they would launch an investigation. In early XX/XX/year> I received a letter stating that, due my having multiple accounts ( I have a personal Chase card as well ), Chase directed me to go to a Chase bank to correct a problem ( not sure what the problem is ). I called XXXX  times ( including today ) to request that instead of sending me new cards that they just return to the XXXX points to my account. Chase has refused to do so and insist that I go to a Chase bank branch ( this is very inconvenient for me and I do not have a bank account with Chase, only credit cards ). 
I believe it is extremely unreasonable to require me to physically go to a random Chase bank to resolve this issue. I am requesting that Chase credit my account the XXXX points that were deducted for gift cards that I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started investigating my credit report to prepare for buying a new car but realized my personal information was inaccurately reported. I sent a dispute letter to the credit bureau to correct and remove the wrongly reported info but have not heard from them.

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 2024-07-30 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: GA

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ JPMCB CARD Collection/Chargeoff Account # XXXX ] XXXX personal information. This account is not accurate and should be deleted. 

[ XXXX XXXX XXXX XXXX Account XXXX XXXX ] Incorrect personal information. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ XXXX XXXX Collection/Chargeoff Account # XXXX ] XXXX personal information. This account is not accurate and should be deleted. 

[ American Express Company XXXX Account XXXX XXXX ] Incorrect personal information. This account is not accurate and should be deleted [ American Express Company XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ American Express Company XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing to request a review of the suspension of my Paypal account with email XXXX. My account was suspended due to high risk. I hope the Paypal Support Team will reconsider the decision to suspend my account. I promise to strictly comply with Paypal 's regulations in the future. Thank you for taking the time to review my request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-30 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: AZ

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate and Incomplete Credit Report Information Under FCRA Dear Experian, I am writing to formally dispute inaccuracies and incomplete information found on my credit report as provided by Experian. These inaccuracies and omissions, which I believe violate the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, are detailed below. Given the severity of these discrepancies, I demand the deletion of these accounts from my credit report. 

Disputed Accounts and Discrepancies : XXXX XXXX XXXX XXXX XXXX Credit Card ) Account Number : Discrepancies between numbers reported on different bureaus. 
Date Opened : Reported as XX/XX/XXXX by Experian, differing from other reports. 
High Credit : Reported as {$0.00} by Experian, which is incorrect. 
Date Last Active : Reported as XX/XX/XXXX by Experian, which conflicts with other dates. 
Date of Last Payment : Not reported by Experian. 
Comments : Variance in wording and details compared to other bureaus. 
XXXX XXXX Account XXXX : Reported differently on Experian and other bureaus, with no consistent data. 
High Credit : Discrepancy in reported amounts ; Experian reports {$500.00}. 
Date Last Active : Conflicts in reporting dates, Experian shows XX/XX/XXXX. 
Date of Last Payment : Reported as XX/XX/XXXX by Experian, differing from others. 
XXXX XXXX Account XXXX : XXXX Reporting : This account is not reported on Experian, which is a significant omission. 
XXXX XXXX XXXX XXXX ( Unsecured Loan ) Account Number : Variance across all bureaus. 
Date Opened : Reported as XX/XX/XXXX by Experian, conflicting with other data. 
High Credit : Reported as {$3000.00} by Experian, differing from XXXX. 
Date Last Active : Experian reports XX/XX/XXXX, showing inconsistencies. 
Date of Last Payment : Not provided by Experian. 
FCRA Violations : Incomplete Information ( FCRA Section XXXX ) : Significant omissions such as missing dates and account numbers. 
Inaccurate Reporting ( FCRA Section XXXX ) : Discrepancies across various data points like account numbers, dates, and credit amounts. 
Failure to Provide Accurate Information ( FCRA Section XXXX ) : Inaccuracies that suggest a failure to maintain accurate and complete credit information. 
Requested Actions :

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 2024-07-30 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation