vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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:
UPON ME REVIEWING MY CREDIT REPORT, NOTICE ACCOUNT THAT WAS FRADULENT

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 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Instarem PTE Limited
State: NY

Complaint narrative:
I tried to send money through instarem. My account was blocked and I wasn't provided with a reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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 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 XX/XX/year> to XX/XX/year> 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 explanation
Consumer complaint received 2024-06-20 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is getting ridiculous. It appears you are all criminals and I am not sure why the CFPB keeps closing cases that have not been addressed. Again, you closed complaint # XXXX with no legitimate basis to do so. XXXX XXXX was accused in my initial complaint of engaging in blatant XXXX discrimination and for manufacturing and providing frivolous flimsy excuses as basis for denying an account opening. They blamed XXXX XXXXXXXXChexSystems as providing them some frivolous report that they claimed they used to render a bogus decision. Yet when I file a complaint with the CFPB demanding that what report of information was provided to XXXX XXXX be provided to the customer, XXXX XXXXChexSystems refused to provide the report and they closed that case unresolved. When I refile the complaint, instead of getting the report from XXXX XXXXChexSystems , I have yet another joker refuse to provide the information requested and the complaint closed. WHERE IS THE REQUESTED REPORT? And who the XXXX, is XXXX XXXX XXXX? I am starting to loose track just how many frivolous entities are involved is this frivolous scheme. I am demanding that XXXX XXXX/ChexSystems provide the requested report that they supposedly provided to XXXX XXXX  . You know who the XXXX is filing the report here.

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 2024-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have a High Yield Savings Account with Marcus by Goldman Sachs that has been forced to close by the Company. I am waiting for my funds to be returned but it has been going on for almost two months now and I have not received any status updates or a final decision after contacting the Company and calling numerous times. 

XX/XX/2024 : My last successful account withdrawal transaction. 
XX/XX/2024 : Received an email notification from Company that account statement preferences changed without any action on my part. 
XX/XX/2024 : Attempted to access online account but account was locked. Called Company due to inability to access account online due to account being locked and under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. The account is still being forced for closure, but no information on final date or when I should expect funds to be returned. 

Over this span of time, I was not contacted by the Company for status updates and I had to call the Company to attempt to get information. My account with the Company is being forced to close and I have no issues with that business decision. It is unfortunate that my account has to be locked and closed. I am not satisfied with the lack of speed and lack of communication on my account closure and when I should be receiving my returned funds from the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry 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 2024-06-20 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: GA

Complaint narrative:
In accordance with fair credit reporting act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 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 seven 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-06-20 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD/Target stated they did have permissible purpose to pull my consumer report leaving an unautorized inquiry. I will need XXXX XXXX to provide me with my written instruction stating that I authorized these transactions and the IP address matching to the IP address of my device that is registered under my name at the time of this unauthorized transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo credit card On XX/XX/year>, I visited XXXX XXXX in XXXX, FL. They were offering a membership that included XXXX facials every month, plus products. I attempted to purchase the package and provided them with a Wells Fargo credit card, which they used twice, and I signed. They then informed me that the transaction didn't go through and requested another credit card. I provided them with a XXXX ATM card. Ultimately, they used both of my cards and charged me on both. 
Then I realized these people were trying to scam or rob me directly. I decided not to purchase the membership or the products. I informed them to cancel everything, and they agreed, assuring me that no charges would be incurred as the transaction had not gone through anyway. 
However, the charges went through, and I was billed for a membership I did not agree to purchase and for products I never received. I called the credit card company the same day to inform them of the situation, and they assured me not to worry. But now, they are asking me to pay. I really need assistance with this matter. 
thank you, 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 2024-06-20 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-06-20 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: PA

Complaint narrative:
FCRA XXXX appears to necessitate removing any incorrect accounts from my credit report. Can you look over the documents? Several accounts have inaccuracies in the reporting, amounts, and dates.

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 2024-06-20 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: DE

Complaint narrative:
XXXX XXXX XXXX has been updating inaccurate account information to the 3 credit bureaus for years. I have not had any accounts with this company, they have reported 2 duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and experian refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the 2 inaccurate accounts from all three credit bureaus 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 2024-06-20 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: FL

Complaint narrative:
This account XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have a medical collection on my credit report that I believe is illegal, and I am requesting its immediate removal. 

Legal Grounds : Compliance with the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law requires that all information reported to credit bureaus must be accurate, verifiable, and complete. The medical collection on my report does not meet these criteria. I have not been provided with proper validation of this debt as required by law.

Protections under the Health Insurance Portability and Accountability Act ( HIPAA ) : The inclusion of this medical debt may also implicate HIPAA violations if the debt collector or original medical provider disclosed my sensitive medical information improperly. Such disclosure without my explicit consent is a violation of my privacy rights.

Protections under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : This law regulates debt collection practices and prohibits any unfair or deceptive practices. In this case, the failure to properly verify the debt constitutes an unfair practice.

Specific Issues with the Collection Account : Lack of Verification : I have repeatedly requested verification of this debt from the collection agency and have received no response. Under the FCRA, if a consumer disputes the accuracy of an item on their credit report, the credit reporting agency must investigate and correct any inaccuracies.

Incorrect Reporting : The reported amount and status of the debt are inaccurate. The debt includes charges that should have been covered by insurance, as well as charges that were incorrectly billed. Such inaccuracies severely impact my creditworthiness and are unjust.

Impact on Credit Score : The erroneous collection has significantly and negatively affected my credit score, causing undue financial harm. The continued reporting of this debt contravenes the principles of fairness and accuracy mandated by the FCRA.

Request for Immediate Action : Given the aforementioned legal violations and inaccuracies, I demand the immediate removal of this medical collection from my credit report. Failure to comply with this request will leave me with no alternative but to pursue further legal action to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially initiating litigation for damages incurred due to the incorrect reporting.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 seven 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 information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} Accounts : XXXX XXXX XXXX - XXXX {$9600.00} 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 seven 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 information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$9600.00} XXXXXXXX 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