vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX of XXXX, as well as XX/XX/XXXX, I received two phone calls from a place called XXXX XXXX XXXX. The first phone call was made to my cell phone number of XXXX, which came up private number and they were asking for someone by the name of XXXX XXXX, XXXX, or XXXX. On the first phone call, I attempted to send a certified letter to the address that I had on hand through the XXXX XXXX XXXX And the letter was sent back to me returned to sender no such address. The address that I was given is listed here below : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Did XXXX this address, and the information I found on it through XXXX search earth view in particular, showed it to be a residence. 

The second phone call was now given to my landline on XX/XX/XXXX of this year, at XXXXXXXX XXXX and the phone number came up as the number below. 
( XXXX ) XXXX. 

I decided to call the number, and a gentleman who identified himself as XXXX XXXX, said that he was with XXXX XXXX XXXX, and claimed that I had an outstanding credit card bill, through someplace called Providian Chase Visa. He said that this credit card was from XXXX to XXXX, and I found that rather suspicious. I say this, because not only do I not recall having an account through Chase or Providian Chase, but any credit cards that I had during that time, to my knowledge have been taken care of and paid in full. Also, according to state law, and my attorney who specializes in this area, whatever alleged debt this is, is well past the statute of limitations, so therefore it's invalid. 
I asked XXXX XXXX some information, including starting with their physical address, and he immediately became very belligerent with me. He stated, " I don't have to give you anything! ", and when I told him otherwise, he said on what grounds, because I told him legally, he was required to, and I stated according to the Fair Debt Collection Practices Act. This of course ended the phone call. 

I want to state, that I have also obtained a copy of my credit report through XXXX and nowhere in there is there anything of this place. I have thoroughly checked all of my credit history, through necessary avenues, especially through the organization named above, and there is nothing in there of an outstanding anything with this company. As I stated, to the best of my knowledge, whatever credit cards I had during this alleged time. Have been paid in full. Also again, the statute of limitations states that this is invalid. 
These people are very shady, and deceitful, and if not stop they're going to deceive a lot of unsuspecting gullible people, who are falsely led to believe that they have an outstanding debt that they don't, and that's going to be very damaging to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MS

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-04 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: MS

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim with Wells Fargo because funds were taken out of my checking and credit card account. Wells Fargo used shady dishonest tactics to avoid my claim. Wells Fargo has many pending lawsuits because of shady banking businesses. I was recently contacted by a law firm who is subpoenaing me to testify against this shady bank. I have provided Wells Fargo with voice video recording evidence of a scammer who keeps calling me leaving me messages claiming he is an employee of Wells Fargo. As of today Wells Fargo failed to respond. Wells Fargo is intentionally ignoring my concerns because its a dishonest bank. I am attaching these voice recording messages as evidence. I am not being represented by an attorney at this time. I look forward to appearing in court to legally and lawfully bringing this XXXX XXXX XXXX crooked bank to justice. Please listen to voice recording attached.

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 2024-10-04 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: TX

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have had a Vanilla Prepaid Visa Giftcard ( XXXX XXXX XXXX XXXX that has been frozen since XX/XX/XXXX. It has a remaining balance of {$460.00}, but I am unable to access the funds. I first contacted Vanilla via phone on XX/XX/XXXX and they told me they froze the card because they were worried the card number was leaked and that I need to email them ( at XXXX ) : a bank account statement, receipt of prepaid card purchase, and drivers license. I sent over all those documents the same day including the case number I was given : XXXX. I have heard nothing back even though they told me it would only be a couple days to hear a response. I then called again on XX/XX/XXXX to inquire on why I haven't heard anything back and they said my case was still open, even though I was told a replacement card should be given within days of me providing the verification documents. The customer service agent reassured me it would only be 2-3 more days. I followed up to my first document email after that call on XX/XX/XXXX, providing a higher resolution image of my receipt. I still haven't heard anything back and would like to have a replacement issued so I can use the {$460.00} that I rightfully have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-04 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: SC

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 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 2024-10-04 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: TX

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was the victim of a pig butchering scam that occurred over many months ( mainly in XXXX ) and involved promises of returns on investments in gold and diamonds. I was scammed repeatedly. The funds that were stolen from me through fraud and misrepresentation via domestic wire transfers amounted to over {$260000.00} and were deposited in bank accounts at JPMorgan Chase Bank and XXXXXXXX XXXX XXXX XXXX At various time, I wired approximately {$240000.00} to a JPMorgan account, and {$25000.00} to an XXXX account. Both accounts turned out to be set up in the name of a person or entities that were apparently mules with names that were possibly ( probably ) not even real persons or companies. Based on information I have gathered, neither Chase nor XXXX did anything to vet their customers, negligently allowed the accounts to be used for criminal activity, failed to monitor the accounts as large amounts of money were wired into them ( especially Chase ), and failed to question activity that should have indicated that the accounts were set up fraudulently to enable criminal activity such as money laundering. By the time I discovered that the mule accounts were fraudulent, I was not able to recall any of the wires through my bank, XXXX XXXX, or to avail myself of any fraud remedy from XXXX, though my efforts to obtain some relief from XXXX resulted in approximately {$6000.00} being credited to my account after XXXX was not able to recall the fraudulent wires. I have had several exchanges with Chase, which has informed me that recalls of the wires were unsuccessful because the account to which the wires were sent is closed, and that I had no further recourse. I have had no contact whatsoever from XXXX. I can provide further documentation if needed. I filed a criminal complaint with the Delaware State Police, Complaint Number XXXX, on XXXX XXXX, XXXX. I also filed an IC3 report with the FBI ( XXXX XXXX, XXXX ), and reported the scam to the Federal Trade Commission ( XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-04 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: IL

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.

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 2024-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan has a 5 year contract with the US Treasury Department to provide account validation services for federal government agencies which include Social Security Administration and IRS. JP Morgan described its appointment as " reflecting the important role that account validation plays in Treasury 's commitment to payment integrity and the reduction of improper payments. '' From Article : Global Government XXXX : US Treasury turns to JP Morgan for payment account validation services. Published by XXXX XXXX XXXX XXXX XXXX 

My husband and I have not received our XXXX Federal income Tax refund to date. We are owed {$5000.00} with interest. We filed our joint marital return 1040 with a cover letter on XX/XX/XXXX by overnight USPS mail which was acknowledge received by proof of receipt. We have been continuing to check with TD Bank to see if our Federal and NY State income Tax was deposited? We issued a letter of inquiry to XXXX XXXX recently on XX/XX/XXXX by certified mail # XXXX, see attached Two days ago when I had inquired about our refund by telephone, it was conveyed to me over the phone that " we did not sign our tax return '' and we " will not be receiving our refund anytime soon. '' It was also conveyed to me that XXXX XXXX " will never see our letter ''. Additionally, I was instructed to open a case with the National Tax Payer Advocate system which my husband and have decided not to utilize since we have no Federal liens and had a disappointing experience in the handling of our XXXX refund by the Tax Payer Advocate Congressman XXXX utilized on our behalf. When, I had sought help through my local representatives who utilized their tax Tax Payer Advocate on my behalf ( XXXX missing stimulus money XXXX XXXX and XXXX ), the Tax Payer Advocate misinformed my representatives about the material facts of my filing. 

We would like a full description from Chase about their account validation contract with the Department of Treasury and how it is it implemented? In addition we want our letter to be forwarded to XXXX XXXX to resolve the problems being created to delay our legitimate refund. {$5000.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: DC

Complaint narrative:
Upon reviewing my credit report, I noticed multiple errors related to late payments, which dont align with my regular payment pattern.

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 2024-10-04 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief