vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As a result of CFPB work with CITI bank I got a response to my COMPLAINT ( ID XXXX ) that my issue is resolved and money will be returned to my account. I am attaching a copy of CITI bank letter. The date of the decision was XX/XX/year>. I tried to reach CITI Executive Response Team to find out when my money comes back. They responded that they need two weeks to find what's going on. Finally, they did not respond to me. On XX/XX/year> I got a letter from Fraud Prevention Department with the denial of my claim. In this letter they state that the wire transfer was done from my devices and it was authorized. I did not log in from my devices to make any transactions on XX/XX/year>. CITI never discussed this transaction with me and did not do any effort to block suspicions transaction and verify my identity. I did not contact them neither via phone nor via e-mail. The person who stole my money is NOT in my contacts list. So, their investigation is totally insufficient. My business is a victim of severe financial fraud related to stolen pass word and user name. This fraud became possible due to poor protection of my CITI business account. I want to understand why CITI lied to me and to CFPB sending the official letter that they will return 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 monetary relief
Consumer complaint received 2024-07-01 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-01 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding Equifax 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to Equifax on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from Equifax regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to Equifax specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from Equifax regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that Equifax complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to Equifax and any supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: MO

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: MO

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-07-01 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: IL

Complaint narrative:
My account with 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 those account 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  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 2024-07-01 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: IL

Complaint narrative:
My account with 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 those account 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  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 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
our company has not forwarded any documentation showing me proof of the verification methods used to verify my accounts. Considering the fact that it has been over 2 months, your company has clearly violated Section 611 ( 50 ( A ), and continues to show your flagrant disregard for Federal laws.

I have asked and requested numerous times for your company to give me the names of the people who verified the accuracy of these accounts, but your company ignored my request every single time. This behavior is also a violation of Federal law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. Just a friendly reminder when we go to litigation, your company will be required to submit documents along with an affidavit swearing under oath that these are the true and correct documents that were used to verify my disputed accounts.

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, that you are required to promptly DELETE all information that can not be verified. Once again I request that your company delete these accounts immediately, but I'm sure you are already aware of this information.

All the accounts listed below need to be deleted off my credit report IMMEDIATELY XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611 XXXX XXXX XXXX with account number XXXX. You failed to verify and validate all data for this account, every notation, dates and balance. This account needs to be removed IMMEDIATELY via FCRA Section 611

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 2024-07-02 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: GA

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratin XXXX XXXX XXXX XXXX Account number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by 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 explanation
Consumer complaint received 2024-07-01 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: KY

Complaint narrative:
I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,

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 2024-07-01 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: KY

Complaint narrative:
I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,

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 2024-07-01 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: Nelnet, Inc.
State: KY

Complaint narrative:
I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I had an account with Wise ( formerly known as TransferWise ), a financial technology company that provides online money transfer services. As part of their services, Wise offers an interest feature that allows users to earn interest on their account balances. More information about this feature can be found here : XXXX XXXX XXXX I had accumulated {$1200.00} in my interest balance through this feature. Recently, Wise closed my account without prior notice or explanation. Upon processing the refund, they did not include my accumulated interest balance of {$1200.00}. 

I have made numerous attempts to resolve this issue by contacting Wise customer support through both phone and email. Unfortunately, customer support has been unable to provide any assistance. Each time I contacted them, I was told that someone would reach out to me to address the issue. However, no one has contacted me, and the problem remains unresolved. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to recover my interest balance of {$1200.00}, which was unjustly excluded from the refund provided by Wise. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. 
XXXX. My Address : XXXX XXXX XXXX XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX. 
XXXX, Ga. XXXX Sincerely

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