vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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 XXXXXXXX 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  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 2024-08-07 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 XXXXXXXX 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  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 2024-08-07 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: MS

Complaint narrative:
I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a HIPPA document signed in XXXX XXXX by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear HIPPA violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.

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 2024-08-07 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: MS

Complaint narrative:
I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a HIPPA document signed in XXXX XXXX by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear HIPPA violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Companies refusing to credit my account for a non-dispense of cash funds of {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hi, Ive already filed a complaint and it was closed without giving the proper response or resolving the issue. So XXXX filing the complaint again with more information about the case. 

I'm a customer with Citi bank from last 6 years. I've opened a High yield savings account in XX/XX/XXXX with citi and transferred amounts in XXXX transactions. First Transaction - {$10000.00} on XX/XX/XXXX, Second Transaction - {$5000.00} on XX/XX/XXXX, Third transaction - {$5000.00} on XX/XX/XXXX, Fourth Transaction - {$10000.00} on XX/XX/XXXX. Transferred a XXXX of {$30000.00} from the XXXX joint savings account owned by me and my wife. All these money are from our pay, bonus and some amount is from my brother which is also from his salary. In first week of XXXX I've tried to do ACH transfer of {$10000.00} our chase account and everything was good. 3 days after the cancellation of XXXX when I've tried to login with my mobile app and It was showing Connection error. I've tried it from my computer, It's the same thing and I've tried calling customer representative and they redirected me to couple of other numbers. I've spoke with about more than XXXX customer representatives in last 2 months and everyone is just saying your account is terminated and you wont get any amount from the bank and when I've asked about the reason they are disconnecting the call. We don't have a branch in Arizona to go in person to the bank. So I had XXXX XXXX to XXXX XXXX branch for help from XXXX AZ. Scheduled the appointments in XXXX branches and both the branches were unable to help as the fraud department said the account is still under investigation. 

On XX/XX/XXXX Ive received a response letter from citi bank stating that the originating bank should request for the funds. Ive spoke with citi bank customer service agent and he mentioned my accounts are closed and they are encrypted so he cant access them and the funds from citi bank account has been moved to Citi banks account. The only way is that my originating bank should request them. Ive spoke with the originating bank and they mentioned that as the transactions have been authorized by me they cant recall or dispute the charges. I would like to know why citi bank is not looking into my transactions or perform a XXXX on my account. All the transactions have been done from the joint savings account of me and my wife. Those are all our savings. I would like to know the details from the citi bank executive team and also please return back my funds.

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 2024-08-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> RE : MERCURY CARD RE : Notice of Claim and UCC-1 Financing Statement Dear First Bank and Trust According to 18 U.S. Code 8 - Obligation or other security of the United States the debt is paid and I am owed a security interest and dividend. 

I, XXXX XXXX, am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the Florida Secretary of State, filing number XXXX ( rr ). 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( s ) All Rights Reserved, Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently XXXX  a XXXX XXXX and I was in the XXXX  and also I am still seeing a XXXX XXXX  and taking tests. Because of my health problems I was unable to pay my bills on time. The bank added 10 late fees for insufficient funds. I asked for reimbursement but was denied. The fees are XXXX XXXX {$35.00} each= {$350.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
PayPal said there is a pending transaction of XXXX for PayPal Credit and that the PayPal XXXX account is still open. I confirmed on the phone three times the XXXX account is closed. I also confirmed with my bank the transaction has been cleared for several days. I chatted online with PayPal Customer Service for several days and told them this, that both PayPal Credit & PayPal XXXX have been closed. They keep giving me the runaround and I am sick and tired of it. I want my entire PayPal account closed and they refuse so they can keep my money pending to collect interest.

They are already costing me money in monthly identity protection services. The reason I want my entire PayPal account closed and deleted to where I or no one can log in is because of this previous CFPB case # XXXX. My identity was stolen!! 

I want my entire PayPal account closed and deleted so my info can not be stolen. So I or no one can log in ever again. This PayPal relationship is over and done for life.

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 2024-08-07 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-07 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-07 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:
It is XXXX  amounts of inquiries on my credit report I did not authorize and I have reported identity theft claims and have called in to equifax as well XXXX  times I asked for these inquiries to be promptly answered and and removed from my credit report please. These inquiries I did not authorize on my Equifax report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries did I authorize on my equifax report this is all fraudulent activity and again I asked for it to be please removed and my credit report be updated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: SC

Complaint narrative:
Recently upon checking my credit report I have noticed that I was a victim of identity theft and found numerous fraudulent inquires on my credit report that I have no knowledge of here are the inquires I have found. XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year> Please remove the fraudulent inquiries and all accounts from XXXX  XXXX from my credit report

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