vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Capital One credit card bill was due on XX/XX/XXXX. I realized at XXXX XXXX on XX/XX/XXXX that I missed the payment, so I logged into my account to make the payment. Much to my surprise, the bank already charged me a late payment fee of {$29.00}. Even more shocking, it wasnt the capped fee per Regulation Z. 
Having familiarized myself with CFPB Regulation Z and the timing for when it went into effect ( XX/XX/XXXX ), I wondered why the late fee was {$29.00} and not {$8.00}. I called Capital One, explained the situation, and asked if the fee might be waived. I also asked why the bank charged the high fee when a law took effect in XX/XX/XXXX, capping the fee at {$8.00}. The representative said she couldn't comment on the new regulation, and it was the first time she'd heard of it. She said as far as she knows, the bank is waiting to see " what happens with [ the ruling ]. '' While I appreciate Capital One waiving my late fee ( " as a one-time courtesy, '' I was told ), I don't appreciate them continuing to pass along the old/higher late fee to the majority of customers who are unaware of the new regulation. 

I hope you will take the necessary steps to remind Capital One of its responsibility to its customers. If Capital One truly is " ... on a mission to change banking for good, '' then start by being honest to your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-09 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: TN

Complaint narrative:
I recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. Equifax MTG XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: U.S. BANCORP
State: FL

Complaint narrative:
I have an unauthorized inquiry from US Bancorp on my credit report from XXXX of XXXX. I would like to removed immediately

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 2025-01-09 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: VA

Complaint narrative:
It has come to my attention after checking my credit report that there is inaccurate information displaying on there due to a nation wide data breach. I have reached out to the CRA with no resolution. I have attached my files FTC report for these accounts displaying on my credit report. I would like these accounts removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with XXXX regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that XXXX has failed to address properly despite my prior disputes. 

Details of the Discrepancy : XXXX. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, XXXX is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
XXXX. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged.

3. Lack of Verification : XXXX failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. 15 U.S. Code 1681 ( i ) - Dispute Procedures : XXXX is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
XXXX. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : XXXX inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions. 

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by XXXX negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with XXXX regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, 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 2025-01-09 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your urgent assistance in resolving a dispute with XXXX regarding an account reported by XXXX XXXX XXXX, which is inaccurately listed on my credit report. The account contains several discrepancies that XXXX has failed to address properly despite my prior disputes. 

Details of the Discrepancy : 1. Repossession Date Inaccuracy : The vehicle associated with this account was repossessed in XXXX. However, XXXX is reporting the repossession as having occurred in XX/XX/XXXX, which is incorrect. 
2. Account Transfer and Missing 1099-C : The account was transferred to another party, but I have not received a Form 1099-C, which is required when a debt is canceled or discharged.

3. Lack of Verification : XXXX failed to contact XXXX XXXX XXXX to verify the accuracy of the account, despite being required to investigate disputed information. 

Additionally, as of XX/XX/XXXX, XXXX XXXX XXXX, located in XXXX, Texas, has been closed due to weather conditions, further complicating the ability to verify this account. 

Violations of Federal Law : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported, as required under the Fair Credit Reporting Act ( FCRA ). 
2. 15 U.S. Code 1681 ( i ) - Dispute Procedures : XXXX is required to conduct a reasonable investigation of disputed information. Their failure to verify the account with XXXX XXXX XXXX demonstrates noncompliance with this provision. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) - Harm to Reputation : XXXX inaccurate reporting is causing harm to my reputation by leading to credit denials, housing application rejections, and other adverse actions. 

Impact on Me : These inaccuracies have severely damaged my credit standing and ability to secure credit, housing, and other essential financial opportunities. The harm caused by XXXX negligence is inexcusable and needs immediate rectification. 


Supporting Documents : Enclosed, I have included the following for your review : A copy of my credit report highlighting the inaccuracies related to XXXX XXXX XXXX Any correspondence with XXXX regarding this dispute Additional documentation to support my claims Thank you for your attention to this matter. I trust in the CFPBs commitment to protecting consumer rights and look forward to a resolution. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-09 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING A LATE PAYMENT ON MY CREDIT PROFILE WHICH HAS DAMAGED MY CREDIT SCORE XXXX AND HAS HURT MY ABILITY TO OBTAIN A GOOD CREDIT SCORE AND RECIEVE OFFERS OF CREDIT FROM COMPANIES IN XXXX. I DON'T BELIEVE XXXX DID A FARE INVESTIGATION IN THIS MATER AS WELL AS THE OTHER AGENCIES, XXXX AND XXXX, XXXX XXXX. THIS HAS HURT MY CREDIT IN A SEVERE WAY. AGAIN DROPPING MY SCORE XXXX POINTS. I WAS IN THE XXXX 'S AND IN EXCELLENT STANDING WITH COMPANIES WANTING TO DO BUISNESS WITH ME AND OFFER CREDIT TO ME. 

UCC CODE VIOLATIONS : 15 USC 1666b 15 USC 1637b 15 USC 1681s-2 15 USC 1681i To name a few. 
Mr. Cooper is NOT MY ORIGINAL CREDITOR AND HAS NO RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT, AS THEY NEVER LOANED ME ANY MONEY FOR A MORTGAGE AND ARE A THIRD PARTY AGENCY. MR. COOPER HAS BEEN MAKING ERRORS ON MY MORTGAGE PAYMENTS AS IT REPORTED MY MORTGAGE WAS PAID IN FULL, THEN REMOVED MY MORTGAGE OFF MY CREDIT PROFILE THEN PUT IT BACK ON MONTHS LATER AND STARTED REPORTING ON MY MORTGAGE AGAIN. CLEAR ERROES HAVE BEEN MADE. XXXX DID NOT DO A POPER INVESTIGATION WHEN I COMPLAINED AND SENT COMPLAINT TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-09 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-09 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: CO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company is XXXX  and they update old accounts from years ago.when new companies purchase the same account with updated dates either multiple times from different companies who brought the old accounts as current. And its false information. And im having a hard time clearing this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2025-01-09 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: TX

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
Hello. 
I am an XXXX  XXXX  studying in XXXX for my XXXX. 
I recently made a an international transfer of XXXX euros to XXXX through remitty. 
The transfer number is XXXX XXXX XXXX XXXX I later cancelled the transfer as the amount was on hold and later closed my account. 
It's been so many days and I have not received my transfer to my account. 
I contacted the Remitty customer support and they told me that the amount was refunded from their side and I should enquire my XXXX XXXX  which I did. The XXXX  told that they have not received any funds. 
Please take necessary action towards this so that I can get my amount back as I am a XXXX  and have high dependence on the money. 
Please contact the Remitty team and get my money of XXXX XXXX  back as soon as possible. 
Thanks

Company response to consumer: Closed with explanation