vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: DC

Complaint narrative:
Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Below listed Inaccurate accounts & Inquiries : XXXX XXXX XXXX  # XXXX Is reporting 2 inaccurate Open Dates / 2 inaccurate Dates Last Active XXXX  XXXX # XXXX / XXXX Is reporting 2 Different Account numbers/ 2 Inaccurate Open Dates / 2 Inaccurate High Credit / 2 Inaccurate Last Active Dates XXXX # XXXX Is reporting 2 Inaccurate Open Dates/ 3 Different Hight Credit Amounts / 3 Inaccurate Last Reporting Dates/ 3 Inaccurate Last Active Dates / 2 Inaccurate Last Payment Dates Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-09-11 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: VA

Complaint narrative:
I am disputing the validation of this debt under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request validation under IRS Code 6050P, as no 1099-C was issued. Please investigate and resolve this promptly. ''

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 2024-09-11 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: VA

Complaint narrative:
I am disputing the validation of this debt under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request validation under IRS Code 6050P, as no 1099-C was issued. Please investigate and resolve this promptly. ''

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 2024-09-11 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: GA

Complaint narrative:
My account was accessed my someone unauthorized, Wells Fargo contacted me & brought this to my attention. So I created a claim stating this actions werent taken by me & im a victim of identity theft as well. They claimed they investigated my claim and the resolution was to end my relationship. I would like a re investigating on behalf of myself. Hours and hours Ive been transferred back and forth from lost prevention department to the online fraud department to the claims department back and forth & no department can help me! My cellphone was not used to mobile deposit a XXXX check I dont get paid my checks and I made this clear to everyone. They are closing out my accounts and ending my relationship when I claimed Im a victim of identity theft & account take over, I had to file a claim with the cfpb just to get thier attention! This is a serious matter & accusation or I wouldnt go to the extent to get this resolved.

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 2024-09-11 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: GA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I used their cash advance to help a friend, the amount was {$50.00}. I was charged an {$11.00} fee for the transaction plus interest of {$1.00}. A 26.64 % fee on {$50.00}. This is absurd and totally gouging the consumer. And its all hidden in their fine print. And, the XXXX did not come with the original bill, it came one month after. Something needs to be investigated at CitiBank

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 2024-09-11 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-11 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I tried to close my escrow account on my mortgage. Citizens approved.But they told me to pay cancelation fee for XXXX dollars. They said when they opened this escrow account for me, I signed a contract with them, and I agreed that One day I want to cancel this escrow account, I should pay cancelation fee. 

Actually I never signed those things with them. because I originally applied this loan from XXXX. XXXX wanted to make sure I have enough money to pay future taxes and insurance, they required me to leave XXXX dollars in my save account in XXXX for 3 years. And I did. SO I fulfilled my duty or obligation. I never agreed to loaner that I would pay cancelation fee. 

I called citizens. They worked on it for more than 3 months. They kept charging employee to work on it. at first, XXXX, then XXXX, then XXXX. A lot of supervisors tried to wok on it. Actually most of time they just answered my phone call, then in future, all of them were hiding, and never pick up my phone, never reply email. they just told me wait ... and wait...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am the CEO of XXXX. I appealed to Citibank about a fraud ( claim # XXXX ) for {$70000.00} made on XX/XX/year> for account XXXX. For context, we send XXXX XXXX payments of {$35000.00} each to a landlord AND XXXX XXXX, XXXX every month. On XX/XX/year> we received an email from an associate ( XXXX XXXX ) of this company to update the account number and routing number on file. 

We updated the account number and routing number as asked and sent the XXXX transactions of {$35000.00} each as an ACH for rent XX/XX/year> ( they would receive it XX/XX/year> ). We sent them an email confirming the payment. We did receive an email that they received the payment and more emails requesting payments XXXX days outstanding. I have attached this interaction. As you will see the fraudster chose to continue a chain email that the associate had ongoing with me to begin the request for money. The email this request was coming from is a long-term employee of AND XXXX XXXX XXXX XXXX who emails us regarding invoices and payment information. 
We heard from AND Asset Management, XXXX on XX/XX/year> that someone had hacked XXXX of the associates email ( XXXX XXXX ) and was contacting their customers to commit this fraud. We contacted AND XXXX XXXX, XXXX over the phone to confirm the XXXX payments receipt from XX/XX/year> and the accounting department let us know the ACH for rent was not received. That was the day we contacted Citi Bank about the fraudulent activity and requested the investigation process to begin. Citi Bank declined the claim and stated the other bank, XXXX XXXX Bank, did not respond to them and that was the reason for the decline. We are appealing the decision.

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 2024-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I opened my XXXX  savings account and added my XXXX and XXXX  account. From last 6 months the money I am receiving from XXXX and XXXX I was transferring to Apple savings account. 

All my funds are now in Apple savings account like XXXX. I initiated a transaction on XX/XX/XXXX for XXXX to XXXX, they said the transaction went into review. No one from the review team contacted me and directly went into declined state. Upon my call to the specialist team, they informed I had to split the transaction to XXXX to chase and XXXX to XXXX. I did as per their advise XX/XX/XXXX. XXXX was successful but XXXX went into review again, since then I was following with the several teams within the savings account, they said they can not expedite the review process. I explained my situation that I had to close my house and I could only do when the funds will be available. I have been calling 2-3 times every day, all they say is they do not know when the review will be completed and upon completion it will take 1-3 business days for my funds to be available. 

Their customer team is such a useless team, every time I call they give me a different answers every time. When I called them on XX/XX/XXXX at XXXX XXXX  they informed that the transaction has been approved, after that information I informed my attorneys and agent that the transaction is successful and the funds will be available next day, on the same day I again called at XXXX only to realize that the review has not been completed and it is still being reviewed. I was literally fooled in front of other by savings team. I am under XXXX state and my mental state is not well because of this. Today XX/XX/XXXX I spoke to them for XXXX minutes ( at XXXX ), it has been 48 hours since I initiated my transaction on Monday ( XX/XX/XXXX at XXXX XXXX  ), and even after 48 hours they still can not answer me on whereabouts of my funds. They are still saying it is being reviewed whereas no one from savings team or reviewing team reached me as of now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 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: VA

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 non-monetary relief
Consumer complaint received 2024-09-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I rented a car in XXXX from XXXX XXXX on XXXX  and the plastic fell off my mirror and I had insurance through the XXXX credit card and XXXX XXXX took XXXX for the damage then I called XXXX and told them everything and they asked for pictures of XXXX XXXX and in the end they didn't send anything so XXXX threw me the The bullet and they just damaged my account. Now I'm turning to you to do the right thing and oblige XXXX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sent them the The pictures, they caused me great damage I would like the money back immediately plus the interest for the entire time the money was in XXXX 's hands I have already spoken several times with XXXX and they are asking me for a document of the insurance I had in the United States at the time of the accident. 
And I explained to them that I didn't have any car insurance in the United States and I didn't have any car at that time. And there is no voice and no answer. 
And I feel that XXXX is not doing anything to give me back the money I am owed The gist of things in a nutshell I rented a car with XXXX XXXX. 
The plastic of the mirror fell off XXXX XXXX stole {$900.00} from me for the damage instead of taking it directly from XXXX XXXX XXXX did not want and ignored me and XXXX to send the photos I asked XXXX to return the money that XXXX XXXX stole XXXX replies that I will send them the photos and the insurance I had I told XXXX that XXXX XXXX is ignoring and not sending XXXX also called XXXX XXXX and they did not reply to XXXX I explained to XXXX that they see that XXXX XXXX are simply thieves and they do not participate in an action that would please return my money. And when XXXX XXXX returns with the photos, etc. we will talk And there is no sound and there is no season. I feel that XXXX just made fun of me very, very much. 
I work very hard and I just don't have the time to chase XXXX to return the money that was stolen from me dishonestly Even when XXXX calls me, they tell me to bring this note and this note And I explain to them simply and clearly that for the act they ignore me and tell me this is what is needed I do not know and understand why they are asking me for the United States insurance. While I had no insurance I feel very, very humiliated by what XXXX is doing to me I wrote everything in translation, I hope you understand everything I wrote from the bottom of my heart

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX repeatedly listed a XXXX XXXX  car loan as part of bankruptcy claim. XXXX was not included in the claim. 
I filed dispute 4 times and their response once again listed XXXX This was a car loan which I never listed and has since been paid in full as agreed. 
XXXX notes this but their listing it has caused me to lose my credit account with Ally. 
Ally has over the past has increased my limit three times! They now claim to have changed the guidelines for acceptable recipients of credit. I had already had the bankruptcy filed when I applied for Ally credit card. 

XXXX  entering the false information with a 2024 date caused me to lose this Account XXXX does shabby investigation and does not read the dispute properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: VT

Complaint narrative:
I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through LexisNexis. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I see inquiries reported on my credit that wasnt me

Company response to consumer: Closed with explanation