vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: MI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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. 


XXXXXXXX XXXX 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 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 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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: AL

Complaint narrative:
I have no information about this debt. I received no information about owing this debt. I cant even find who they are. And what the debt is. There is no information on my credit report that I can call the company about it. I disputed this on credit report. But came back not changed. I dont know what this debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank is holding me responsible for {$330000.00} which was fraud on my home equity line of credit and investigated by the police and found this to be fraud and the bank was to write off this and they refuse to do so. They have ruined my credit to the point that I can not by a loaf of bread on credit. Before this fraud, I had a credit score of over XXXX and now I am down to XXXX. I have been in communication with DOZENS of people only to still have the problem. They have a lien against my house.. I am XXXX XXXX XXXX and live now on a social security check only. The fraud man took all my savings. All of this stuff started in XX/XX/XXXX and continued until XX/XX/XXXX. I have the case number from the police. I just do not know where to turn in this matter. This matter has caused me to be on XXXX XXXX from my doctor, and I need HELP PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: OH

Complaint narrative:
My account with XXXX, XXXX, XXXX & 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit Bureau reporting inaccurate balance on my credit report preventing me from obtaining new housing etc.. I paid this account off on XX/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 2024-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1 ) I have never resided at the alleged Apartment 2 ) I called and spoke to several collection agents that hung up on me 3 ) I requested a letter of verification and it has been more than 30 days with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last year, 2023, Citibank allowed a hacker to used my account in XXXX consecutive months : XXXX, XXXX and XXXX to pay their XXXXXXXX XXXX  via ACH transactions. The account has been dormant for a while and there was not much money in there. Citibank transferred money from the credit line XXXX times to the checking account to cover those payments. 
When I become aware, I called customer service and opened investigations. I submitted proof from XXXX XXXX  where I used to pay my XXXX bills and my XXXX account also is different from the XXXX account that the hacker used. 
I made XXXX trips to Citibank branches and spent over XXXX hours over the phone, opened over XXXX investigations with no result. Citibank has now returned the money taken from the credit line but continued to charge me interest every month for that money for no fault of my own. 
All I am seeking is for Citibank to wave the interest fees that is now over {$220.00} Also, my credit score was outstanding, Citibank tarnished my reputation by refusing to pay that debt. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent off to have my information updated on my credit report XXXX years ago and nothing has been updated as of XX/XX/2024. I would like to have my correct information updated and delete old information off of my reports. please send an updated copy once completed within 5 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXXXXXX XXXX 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 2024-08-05 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against t
he credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am currently in the process of looking to buy a home through the VA. I was curious about how loan rates, interest, and amounts would impact the monthly repayment cost. I was trying to find an online calculating tool to see what my estimate would be if I changed some of the variables. 

I was referred to Rocket Mortgage and explained this to the representative. I elaborated that I already had a pre-approval through the VA and was simply looking for a calculative tool. I provided some basic personal information and was informed that an inquiry would be conducted in order to get the most accurate numbers. I asked if it would be a soft or hard inquiry, as I did not want it to negatively impact my credit score. 

I was assured it would only be a soft inquiry, and I consented. It was not. It was a hard inquiry, and I immediately saw it on my credit report. I was not trying to get a loan through Rocket Mortgage, as I already have one through the VA. This occurred on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
Please delete all these fraudulent accounts none of the listed is associated with me. 

The account listed are not transactions done by myself. 

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the 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 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
A credit card account with capital one was fraudulent opened in my name I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Credit acceptance XXXX Equifax and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that credit acceptance XXXX Equifax XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> my bank account was compromised for {$10000.00}, from a fake XXXX making 4 transactions two for {$4000.00} and two for {$1000.00}! I immediately called XXXX first and they told there wasnt anything they could do because the payment was already completed! I then called my bank ( Navy Federal ) to report the fraudulent transactions! I called XXXX # and the representative I spoke with told me she seen exactly what happened too my account, she began to tell me that the name on the account was almost identical to mine the just changed the last letter in my first name! So i made the claim she stated i would receive my funds back within 10 days! Well i get a email stating nothing happened to my account, so i called again to speak with a fraud supervisor who told me that whoever compromised my account had been in it since XX/XX/year> just making small transactions and i would need to submit a claim for them also since i did not authorize any of them which i did even though he said since they had been so long ago they probably wouldnt repay those funds! I submitted the claim only for them to deny it! Ive submitted an appeal on my claim havent received anything! So here i am asking you all for help if you please could i work too hard for my money just to wake up and its gone one day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a bill in the mail from Home Depot Decemeber 2023. The purchase was made on a Home Depot credit card. I did not open a credit card with Home Depot-Citi Bank . It was opened fraudulently under my name. I did not even know a credit card was open under my name with Home Depot. I have called and opened a fraud claim with Citi Bank multiple times and they keep determining that I am responsible for the charges and closing the investigation. When asking why, they state they have proof of delivery to a previous address of mine ( my parents ) but Home Depot and the receipts state that the items were picked up in store.The store that items were purchased and picked up at is located 4 hours away from where I live. They are stating that a different person with the name of my father ordered and picked up the items. Neither one of us have done so. I have filed a fraud claim with the FTC, contacted the collections agency that my account is now in, contacted Home Depot but no one can do anything when Citibank is stating we are still responsible. I have filed a police report in XX/XX/XXXX. Police have tried to contact Citi Bank multiple times and can not get through to a representative they can give information to. When asking to speak to someone in the investigations department we are told it is not possible. We are at a loss and can not seem to get anyone at Citibank to listen to our concerns or look into the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I got a letter from Bank of America on XX/XX/2024, that they decided to close my account on XX/XX/2024. They are keeping {$580.00} of rewards in cash back that I earned. Ive 2 accts : 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 2024-08-05 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: OH

Complaint narrative:
My account with XXXX, 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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