vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: NJ

Complaint narrative:
there's an inquiry in my report that i don't recognize. This is fraud and i wanted it to be removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX inquiry date XX/XX/year> XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 non-monetary relief
Consumer complaint received 2024-06-24 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: AL

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 explanation
Consumer complaint received 2024-06-24 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 with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  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 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 month reported late 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 XXXX  days before the payment due date. 


XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Debt showed up in my credit report. Does not belong to me. 

I.C. SYSTEM INC. 
Account number XXXX Balance {$160.00}

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 2024-06-24 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My Aunt gave me this card for XXXX. She is the one that spoke with them so Im not sure what all she was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account with Chime has been closed for some time now. Since XXXX, I was assured an account closure check would be mailed out. I have the initial email confirming I needed to update my address within 4 days for it to be sent correctly. 

I promptly updated my address within the timeframe. However, when I called on XX/XX/XXXX, after being passed around, I was informed the check was mailed on XX/XX/XXXX but to my old address in a different state. 

I took immediate action, placing a hold on mail to intercept it and visiting the old address. After 30 days of waiting, no mail came in my name. 

Since then agents claim they notate my address but say only the check closure department can actually update it, which they havent. 

After speaking with XXXX from Chime ( XXXX ), who assured me my address was updated and tracking information was on its way early last week, now tells me today XX/XX/XXXX its not updated, and I must call again. 

I requested there legal departments information and they refuse to give it to me. I dont want to have to keep calling to change my address with regular support channels because its been over 2 months and nothing has been followed through on their end. I explained this was an urgent matter and have collected all emails and phone conversations to reflect my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have tried contacting numerous time to remove the debt from my account. They can not verify the information, the account listed does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
**Complaint to CFPB** On XX/XX/XXXX, I initiated a {$1.00} XXXX wire transfer through Citibank 's branch ( Exhibit A ). Due to the large amount, I visited the branch in person and provided all necessary details, including the Purpose Code, to the manager, XXXX. I specifically asked XXXX to replicate the details from my recent wire transfer on XX/XX/XXXX, from the same account to the same account in XXXX ( Exhibit B ). XXXX confirmed that he would do so. 

Despite this, I was later informed by Citibank 's wire department that the transfer was returned due to a missing Purpose Code. In that return, I only received {$970000.00}, instead of the XXXX XXXX dollars sent. It is important to note that my previous wire transfer on XX/XX/XXXX, to the same account, which included the Purpose Code, was completed without any issues. When I was at the bank in XXXX, XXXX assured me he would copy the previous wire details. 

After initiating the XXXX transfer, I traveled to XXXX to finalize a XXXX power plant project, only to discover that the funds had not arrived. XXXX Bank confirmed they did not receive the funds ( Exhibit C ). I contacted Citibank 's wire department daily and was repeatedly told the funds were being returned due to the missing Purpose Code. Citibank 's system should automatically request a Purpose Code for transfers to XXXX. Additionally, the special wire office is responsible for reviewing, authorizing, and clearing wires, ensuring all necessary codes and XXXX requirements are met. If there was a missing Purpose Code, XXXX Bank in XXXX would not have returned the money but would have requested the missing information through the XXXXXXXX XXXX XXXX, as they did with the subsequent wire on XX/XX/XXXX ( Exhibit D ). 

Given these facts, it is clear that Citibank mishandled this transaction. XXXX Bank never received any funds and therefore never returned any money from the XX/XX/XXXX transaction. The error was internal to Citibank, and Citibank 's internal errors have caused me serious financial harm. 

As a result, I have incurred significant financial losses and additional expenses, including : - Approximately {$25000.00} lost in currency conversion and return fees. 
- Around {$5000.00} in travel and related expenses to resend the funds. 
- Substantial financial losses related to the business deal with the Government of XXXX, XXXX. If this matter ends up in court, I will pursue these losses, which are currently fluid as the situation is ongoing. They are certainly in the millions. 

I expect Citibank to take responsibility for this error and reimburse me {$30000.00}, immediately. I am willing to provide any further information or clarification needed within the next XXXX days to resolve this matter amicably.

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 2024-06-24 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XXXX XXXX XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There is a capital one venture credit card inquiry application that I never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Recovering from a XXXX XXXXXXXX, my payment was eight days late. Now nine days late the company calls every hour from XXXX XXXXXXXX XXXX XXXX XXXX. When I answer, they hang up. Finally when someone talked to me they informed me that regardless of my health and the detriment to it I would continue to get calls. They are correct as it has continued today. I have made every attempt to help them understand I have no way to make the payment at this time or make a payment before my XXXX starts paying.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX 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 ( MONTHS REPORTING LATE ) to be removed. 

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

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


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with XX/XX/XXXX, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX XXXX and XXXX XXXX information regarding my account with XX/XX/XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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 been trying to remove these accounts from my credit report since last year. i did exactly what they told me to do and 6 months later im still working on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-06-24 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: ID

Complaint narrative:
I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as Accurate 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