vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


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! 


Update 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 2024-10-18 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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! 


Update 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 2024-10-18 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-18 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: MA

Complaint narrative:
These accounts CONTAIN FRAUDULENT, identity Theft related CHARGES. That I repeat, were already also completely DISMISSED in Massachusetts Courts in early XXXX ( see MA Court dismissal docs in this package ). 
Furthermore, the consumer protection law/s require that ALL THESE FRAUDULENT CHARGES ( AND INTEREST! ) BE OVERTURNED AND REMOVED from ANY and ALL consumer credit bureau reporting attached to my name. These fraudulent debt totals that XXXX XXXX XXXX have been reporting and continuing to ruin my credit with, ( now XXXX MONTHS AFTER ALL CASES DISMISSED (?? ) ) ... ARE REQUIRED TO BE OVERTURNED BY LAW, as they ARE NOT MINE! Please comply with the law or you will leave me no other choice than report these to ALL banking authorities AND if necessary, to file a lawsuit against XXXX XXXX and will seek damages for not only these violations, but also ALL other MANY violations of consumer protection laws. Please see files and evidence attached. Thank you.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These accounts CONTAIN FRAUDULENT, identity Theft related CHARGES. That I repeat, were already also completely DISMISSED in Massachusetts Courts in early XXXX ( see MA Court dismissal docs in this package ). 
Furthermore, the consumer protection law/s require that ALL THESE FRAUDULENT CHARGES ( AND INTEREST! ) BE OVERTURNED AND REMOVED from ANY and ALL consumer credit bureau reporting attached to my name. These fraudulent debt totals that XXXX XXXX XXXX have been reporting and continuing to ruin my credit with, ( now XXXX MONTHS AFTER ALL CASES DISMISSED (?? ) ) ... ARE REQUIRED TO BE OVERTURNED BY LAW, as they ARE NOT MINE! Please comply with the law or you will leave me no other choice than report these to ALL banking authorities AND if necessary, to file a lawsuit against XXXX XXXX and will seek damages for not only these violations, but also ALL other MANY violations of consumer protection laws. Please see files and evidence attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These accounts CONTAIN FRAUDULENT, identity Theft related CHARGES. That I repeat, were already also completely DISMISSED in Massachusetts Courts in early XXXX ( see MA Court dismissal docs in this package ). 
Furthermore, the consumer protection law/s require that ALL THESE FRAUDULENT CHARGES ( AND INTEREST! ) BE OVERTURNED AND REMOVED from ANY and ALL consumer credit bureau reporting attached to my name. These fraudulent debt totals that XXXX XXXX XXXX have been reporting and continuing to ruin my credit with, ( now XXXX MONTHS AFTER ALL CASES DISMISSED (?? ) ) ... ARE REQUIRED TO BE OVERTURNED BY LAW, as they ARE NOT MINE! Please comply with the law or you will leave me no other choice than report these to ALL banking authorities AND if necessary, to file a lawsuit against XXXX XXXX and will seek damages for not only these violations, but also ALL other MANY violations of consumer protection laws. Please see files and evidence attached. Thank you.

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 2024-10-18 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: CO

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 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 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 2024-10-18 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: EQUIFAX, INC.
State: CO

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 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 explanation
Consumer complaint received 2024-10-18 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:
You were notified in XX/XX/year> that several accounts were inaccurately reported, yet you failed to remove them after eight months. I am now pursuing arbitration for the following accounts : XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX. Please refer to the attached dispute letter, which is both dated and time-stamped, and remove these accounts from my credit report immediately. You have failed to provide the method of verification for nearly a year, which constitutes negligence. This ongoing false and illegal reporting has caused significant emotional distress and resulted in lost opportunities. XXXX has removed these accounts. I expect prompt action to resolve 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 explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
OnXX/XX/2024, I pulled my FICO Credit Report from all three Bureaus ( XXXX, XXXX, and TransUnion ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent XXXX, XXXX, and TransUnion a Personal Information Update Letter on XX/XX/2024 
I received responses from Two of the three Credit reporting Agencies ( XXXX XXXX XXXX ) on XX/XX/2024, verifying their information XXXX replied via their website, XXXX via Mail, and Trans Union No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/2024, I have not received any response from all three Bureaus ( XXXX XXXX, and TransUnion ). So, I sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/2024, I logged into my XXXX XXXX account to monitor my Trans Union and XXXX profiles, and Trans Union has started reporting a debt owed to XXXX XXXX XXXX XXXX. in the amount of {$630.00} on theXX/XX/2024 without any validation of this debt.

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 2024-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
On XX/XX/year> I contacted company requested a letter of validation from IQ data Interntaional following that I asked was the debt disputable due to it effecting my credit she responded no stated it was not disputable therefore I requested the letter of validation which I have yet to received. Following that I mailed a letter of validation to the company, and they have yet to responded but in a phone call they stated they received the letters and was not sending out a letter of validation. Also stated they didn't want to talk unless we were paying the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the 3rd complaint Ive filed towards Wells Fargo. On XX/XX/year> there was a charge of {$700.00} and I disputed the payment because I did not make that payment. Wells Fargo denied it because the person who committed the fraud was able to input my billing address and name and the package was delivered in the same city I live. Wells Fargo never once contacted XXXX to check the tracking number to see where it was delivered. Since they denied my claim they sent me the records and told me I have to contact XXXX and go to the police to file a report since its out of the banks hands. I got the address and name of person who it was delivered to from XXXX. I went to the police and found out found out who the person was that stole my debit card info and how it happened. In XXXX my car battery died and I contacted XXXX who sent over a tow truck to change my battery, the man who took my payment is the XXXX who stole my debit card info. That is how he was able to input my person info, because he was dispatched to my house and took my card to his car because he said he had to call the office the run the payment. I have proof and the police are investigating. He lives at the address where the package was delivered and has the same vehicle for the parts he purchased. The officer that is helping me called Wells Fargo on XX/XX/year> and told them of the situation. He told me that the person he spoke to would help me reopen my claim. I called Wells Fargo that same day and gave them the reference number to the police report along with the story of what happened. Despite of all this, I got a letter in the mail stating that they denied my claim again because they still think I made that purchase. I have done everything they told me to do even have proof that Im a victim of fraud and Wells Fargo continues to deny my claim and wants me to pay for my thiefs purchase. I am so disappointed that this hasnt been resolved and I dont know what else I can do. I even contacted XXXX and told them of the situation of their employee stealing from me and a claim was opened with them as well. I have a police report and its been determined a suspect was located. The police are Working on criminal charges and filing charges with the XXXX XXXX office. What else does Wells Fargo need for me to prove that I didnt authorize this purchase? I attached documents that show my receipt from XXXX with the suspects name on it along with the email from XXXX  that shows his initials with delivery address and another document that shows the suspects full name and address.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: IL

Complaint narrative:
Capio Partners at ( XXXX ) XXXX and other numbers calls myself and my wife ( ( XXXX ) XXXX ) multiple times a day. Weve told them repeatedly that were not who theyre looking for ( they provided name, birthdate and last 4 of social, is that even legal?! ) but they keep calling. Today I called them back to tell them once again that were the wrong party and they hung up on me. I called back and asked for a supervisor only to be put on hold for several minutes then hung up on again! Im livid. XXXX reviews are nearly universally this same experience. Why are companies like this allowed to relentlessly harass citizens?! Help us!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief