vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13 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: FL

Complaint narrative:
I do not recognize these credit inquires. I have asked for them to be removed and the Bureau did not do what I asked. I am providing an identity theft report which I will attach to this message. I am requesting them to be removed because they are incorrect and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove these inquiries, please. I lack any knowledge about this, and the company did it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 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: NE

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13 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:
My account with ( 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  ) 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I talked with some people in XXXX that pretended to be a well-known travel company. They talked to me and sent me information about a travel package in the hotel XXXX in XXXX. 
I decided to buy the travel certificate they told me. 
They said I needed to sent the money via international wire transfer so I did, in the amount of {$2900.00} dollars. I used my checking account in Wells Fargo for this transaction and the money should be available on XX/XX/year>. 
On XX/XX/XXXX they told me there was a error with my wire transfer and they would send me back the {$2900.00} but I should transfer again the {$2900.00}. 
The gave me a new account number to do the wire transfer, and I gave them my account number. 
I did the wire transfer and the money should be available for them on XX/XX/year>. 
I never received the first amount back, and I never received the travel certificate. 
I called Wells Fargo on XX/XX/XXXX to cancel or intercept the charges. They opened a dispute but havent hear anything back. 
I called the receiver bank XXXX in XXXX, but they didnt do anything. 

The information of the wire transfer reveiver accounts will be attached as photos.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items. It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items. It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I traveled to XXXX and booked and pre confirmed our room was a FAMILY ROOM. 
Reconfirmed on XX/XX/year> ( see reservation confirmation ). When we arrived a family room was not available and we were split up with the second room down the hall. 

I speak some XXXX  but am not profecient and it was very difficult to communicate my concerns the same way I could in XXXX. Additionally, this reservation was for the week of XXXX XXXX XXXX and trying to navigate the " translated '' booking web-sites was very difficult. Rooms were not readily available and I believe that the hotel took advantage of us as foreigners. If we were locals, I am confident that we would have received the room we booked. Instead we were given two separate rooms which was not what we reserved or paid for. 

My original dispute ID # XXXX was declined. I am re-asserting my rights to dispute this charge as we were not provided the room we reserved and paid for. Also, please read the attached documents which explains the dispute in more details, and how our door did not lock. 

I attempted to speak with hotel management but to my surprise was told no managers were in those days due to the holiday But certainly not an excuse. There should always be management readily available in case of emergency and not just working general staff. The next morning on XX/XX/XXXX, morning of check out we spoke to a lady manager and expressed all our concerns and problems during our stay and we were told they would investigate and respond. I still have not received a response or any communication. 

If we could have checked out we would have but understand that very few people speak XXXX in XXXX and we were stuck in this situation. We had to pay extra for some tours for XXXX speaking guides, and most hotel staff including front desk and the manager I spoke with at check out did not speak any 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 2024-06-13 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: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the ongoing presence of fraudulent account on my credit report. After reporting the identity theft, I quickly contacted the company linked to this fraudulent account. While they recognized the legitimacy of my report, they indicated their inability to provide records. However, they assured me that the fraudulent account would be removed once I submitted the required XXXX report. Both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I am perplexed by your bureau 's continued verification of this account when other agencies have already deleted them. I urge you to remove this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. Immediate action to delete this fraudulent account is necessary, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please promptly delete this account, as they result from identity theft. XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13 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  ) 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  ) 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with ( XXXX  ) 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  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello I have 4 late payments marked on my credit report. Those ( 4 ) missing payment were under investigation for over a year. 

On XXXX i made a payment using my banks XXXX XXXX service for the amount of {$1000.00} to the correct po box . To my Bjs credit card to pay it of. I found out they never received the payment. I disputed with them because the money came out of my account. It went under investigation for 3 months after that. Another bank took over of the credit card ( capital one ) still was no answer on the investigation. I received a late payment notice so I called capital one and explained situation they open a new investigation that took another 3-4 months with no answer where my payment went to I started looking on my own and months after I found out that the payment was received by a third party Bank  ( XXXX XXXX XXXX  ) and they stamped my banks check to a different account that didn't belong to me. 

It Took a year and a month for them to accept it was their fault and for me to recovered my {$1000.00}, as soonest I got the money back I called capital one to gave them their money and they already decided to charged me late fees and interests ( even thought I explained the situation ) I agree to them to payed off the debt + interests but they never mentioned that they reported to my credit. 

I found out about this late payments when I requested for a loan. 

Im trying to purchase of a house and Im requesting for this late payments get removed out of my credit since it wasnt my fault. 

I have a email letter from my bank I can provide as proof of the investigation that Im not guilty of this error Thank you

Company response to consumer: Closed with non-monetary relief