vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt.

2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt.

4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt.

7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act. 

The following account needs to be removed from my consumer reports immediately : 1. Credence RM Date Opened : XX/XX/2024 Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.

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: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
My account with AMEX was never late! I have had exceptional payment history with AMEX 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/XXXX to XX/XX/XXXX 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. 


AMEX 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: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
My account with AMEX was never late! I have had exceptional payment history with AMEX 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/XXXX to XX/XX/XXXX 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. 


AMEX 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: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/year>, someone got cash using my account number {$220.00}. I only had {$5.00} because I had received New Cards because of my account was hacked. 
I was in the Bank talking with XXXX XXXX. I did not get any cash of {$220.00}. I was not given a receipt. I have asked XXXX XXXX XXXX for a receipt, who gave me the money, and the name of the teller or the teller number who in the world would give the customer {$220.00} when they only had {$5.00} in their account? Who could not get the receipt for the money. He said he could not provide that information to me. I asked to see me on Camera, he said that I would need a Court order. I closed my account in XXXX. 
All of the accounts are closed and all my Direct Deposits was closed. Now they have put the {$220.00} in my mom 's name, telling her that she has an overdraft of {$220.00}. 
Which she did not owe them. She had a {$5.00} Fee. It was paid on XXXX XXXX. All of her Direct Deposit was transferred. I had XXXX XXXX on XX/XX/year>. This was the only day we were not in the bank. We have been getting phone calls every day, they do not leave any messages. They just call any time of day, night, and weekends. We just need help with this situation. It is making our lives miserable. We did not do this. 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 2024-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. 
I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report that appear to be the result of identity theft, as I did not authorize these accounts. I've raised this issue previously, and I urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not reflect my true credit history or financial habits. Dealing with this situation has been challenging, and if it can not be resolved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report are having a profound impact on me. They are hindering my ability to achieve important financial milestones such as purchasing a home and supporting my family. I sincerely hope that we can resolve this matter expeditiously.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX/XXXX  Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2024 I sent an express remittance from Remitly Inc. for {$1200.00}, i shortly received a message that there was a delay in the transaction and that it would be completed the following day. The following the XX/XX/XXXX the transaction was marked as completed, however when I contacted the recipient they and their bank said there was no money in the account. I contacted Remitly Inc. on the XXXX, and they said it might take 3 business days before it will show up in the account. I waited until the XXXX and the money was still not in the account. I contacted them the XXXX and XXXX and was told it he issue was sent out for investigation and I should receive a call from their investigation department in 24hrs and that a message has been sent to their banking partner and they will hear back in three business days. I contacted them the XXXX, and was told the issue is still under investigation and that they have still not heard back from their banking partner and thats they will contact me in 24 hours. At this point it is now almost 3 weeks I dont know where my money is their recipient nor the bank has not received it in the account. I just want my {$1200.00} refunded so I can find other methods to send it the the receiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a complaint against a debt collector who keeps putting a old debt from credit Bank on my credit report that is an accurate when I called the Credit debt collector. They was very rude yelling and screaming on the phone and telling me that they are not gon na take it down even when I told him is Messing my credit up I reached out to Trans Union. Trans Union will not fix it. I sent the documents and they wont let me dispute it

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: KY

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCI Financial, Inc
State: NV

Complaint narrative:
XX/XX/year> I went into a check city branch and cashed my paycheck. I needed to get a loan as well so the teller told me to go online and apply. I went online and applied. I spoke to chat agent and asked about the status of my application. She told me I needed to email my documents to info @ checkcity.com. So I emailed : 1. ) my State ID 2. ) my social security card 3. ) 2 paycheck stubs 4. ) bank statements 5. ) a voided check 6. ) a utility bill 7. ) a bill that was mailed to me with the envelope it was mailed in. 
Then I got back on chat with the agent who told me she would email my documents to the branch location so I could go in the next morning when they opened and get the loan. The next day at XXXX I got back online with chat and a different chat agent told me she could not approve my loan only a manager could, after requesting 3 more documents, which i uploaded on their website. I told her why I was being requested so many documents when they never requested so many for my last loan that i had gotten from them for $ XXXX which I had paid back, in full. The agent told me that sometimes they request more documents if they need to verify an address. they might request a bill. I told her i uploaded 2 bills already. She told me because I live in XXXX but am a XXXX  in California- that I have to verify my address. I told her California and XXXX are next to eachother and it takes me 8 minutes to get to California from my home address and 28 minutes to get to work.I have screenshots I am submitting with this complaint of the chat sessions I had with Check City Agents to show how rude, bias, and unfriendly they were to me. They Discriminated against me and as a last ditch effort they accused me of fraud. when I asked them fraud about what? they had no answer. I told them have they called my employer, XXXX XXXX, to verify my employment before they made this accusation at me and the checkcity manager told me " No, that he doesnt need to- they arent giving me a loan anyway ''. For No reason- I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase bank shut down my business account due to no apparent reason a while back now, there was over XXXX dollars in the account. They lied to me saying my money would be released several times, the past few times I called them they said they can't verify that I own the account even though I'm the one who opened it. The man at the other end said that there's nothing I can do and that they will keep my money forever

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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief