vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This issue is simple. Capital One Auto Finance is reporting that my DOFD ( DATE OF FIRST DELINQUENCY ) on the auto account as XX/XX/XXXX. 
I obtained financing for the vehicle in XX/XX/XXXX. 
There has been negative ( XX/XX/XXXX day late/repossession ) activity on this account dating back to XXXX. Capital One does not report ( appears as NO DATA ) to the Credit Reporting agencies this information. 
This in tandem with the incorrect DOFD of XXXX " re-ages '' this debt, causing it to remain on my credit report well beyond the time it should appear. 
Numerous letters to XXXXXXXX and the credit reporting bureaus have produced no results other than notification that the " account has been verified. '' This is a gross violation of the FCRA. My next step is to seek a consumer protection attorney, to litigate the matter. My creditworthiness has suffered, my emotional stress and injury has been due to the fact that this error remains, and the companies involved will not simply review my accounts manually and see the errors. The account should be deleted in its entirety because the DOFD " starts the clock '' regarding the 7 years the info should remain on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
A credit card due date can be any day of the month. When a due date falls on a non-business day ( e.g., weekend or holiday ), I should still be able to schedule the payment on the due date and the issuing bank can process it on the next business day. Even the CFPB 's FAQ page states, " If the due date was a day the card company wasnt receiving or accepting mail generally weekends or a holiday you have until XXXX p.m. on the next business day. '' Unfortunately, US Bank does not appear to allow the scheduling of a payment on weekends or holidays on it's website or mobile app. Further, if choosing the next business day, it indicates that it would be late and suggests scheduling it for an earlier date. I spoke with a US Bank customer service agent who appeared to be unaware of the issue and put me on hold to get more information. When the agent returned, she agreed that the website and app do not allow for scheduling on a non-business day. While the agent could accept such scheduling over the phone, it appears that US Bank is systematically forcing customers to pay earlier than the due date. Offering a manual scheduling over the phone may be an effort to show compliance, but is not a convenient channel and both the website and app ( normal payment scheduling channels ) both encourage earlier payment scheduling. It may be a minor issue for each customer, but it appears to be systemic and violates regulations. Please investigate and let me know the outcome ( or tell me that I'm not correct ). Let me know if you'd like me to upload a screen shot of this situation. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Unathorized credit inquiry 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX ACCOUNT Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/2014 - Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information? 
Bankruptcy XXXX XXXX Reference # : XXXX Court : XXXX XXXX CT NJ XXXX Date Filed : XX/XX/2014 Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX BANKRUPTCY COURT Date Filed : XX/XX/2014 2014

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
Account name : XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

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 non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to contact the credit bureaus and creditors in reference to inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to contact the credit bureaus and creditors in reference to inaccurate information on 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX  that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories..

1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below.

2- Trans Union and XXXX are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.

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 2022-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
XXXX this is my response to your letter you sent datingXX/XX/2022 you said in recent response that you believe you are reporting accurate credit information. my problem with that is where you there for this extension of consumer credit? as well as you used the word believe which means you accept as true on a personal level. what you believe and what you can prove and provide are two different meanings. you also had mentioned that theirs still a alleged debt arising from said account? but
when i read the truth and lending act and came about the finance charge ( 15 USC 1605 ) that the finance charge SHALL be the sum of all charges! and taken another look at this installment agreement you attached from you're last response it shows multiple charges amounting to XXXX dollars more then the finance charge. 
can you explain why ally financial shall not be civilly liable for not properly disclosing what the finance charge is? why was i forced into paying for insurance when that as well should have been including in the finance charge? advertising down payments? under section 1640 of tila when a consumer is not fully disclosed the true meaning of the transaction and what is really happening under the open ended credit plan that used for personal family and household purposes shall be liable for double the finance charge. 
i am still demanding verification or debt, validation of debt, and all accounting on and off ledger and documentation ally has suffered loss and damage. i request you stop sending statements and provide valid proof ally financial is a said creditor. 
that proof shall not include consumer contract. because as per judgement pacific concrete F.C.U v kauanoe the consumer contract is not sufficient evidence of a debt also provide a audit trail of the transaction originated by 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern ; I recently received a copy of my XXXX XXXX and Transunion credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates.

Did I give your written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a )
( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern ; I recently received a copy of my XXXX Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

Did I give your written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern ; I recently received a copy of my Experian XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates.

Did I give your written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently homeless.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/XXXX Wells Fargo received a hand written Billing error notice letter from me and blatantly ignored the letter and proceeded to report the the amount in dispute to XXXX, XXXX and XXXX which adversely effected my credit score. Wells Fargo failed to comply with XXXX CFR XXXX ( c ) ( XXXX ). 

Wells Fargo provided me with an address over the phone specifically for overnight mailing so that I could send me remittance payment. ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). My payment in the amount of {$6700.00} was received on XX/XX/XXXX at XXXX and was signed for by a Wells Fargo representative by the name of XXXX XXXX XXXX Till this day, Wells Fargo has not credited my account. I've spent months calling and sending disputes and Wells Fargo continues to lie stating they never received the payment despite the fact I have proof/tracking information that shows my payment was in fact received. my credit score went from XXXX to XXXX because of Wells Fargo 's unfair business practices. The executive office assigns people to my disputes that continue to reverify false information. my family and I have been suffering since XXXX of XXXX. My credit card is maxed out because Wells Fargo is receiving my payments by mail and refusing to credit my account. The erroneous balances that they are reporting to consumer reporting agencies has ruined all my chances to take take out any loans. To add insult to injury, Wells Fargo has just reported a late payment on my consumer report AFTER I notified them again in writing of a billing error. Ive had a enough of their discrimination and unfair business practices! 

Wells Fargo is violating 15 usc 1666b which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Wells Fargo is not in compliance with 12 CFR 1026.13 ( d ) ( 2 ) as they continue to purposely report adverse information on my consumer report.

on several occasions, I requested a refund in accordance 15 usc 1666d ( b ) and Wells Fargo has willfully non complied by refusing to refund me. Wells Fargo has refused to comply with both 15 usc 1666d ( a ) and 15 usc 1666d ( b )

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Unathorized credit inquiry 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