vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, my accounts with XXXX  ( Account Numbers : XXXX, XXXX, XXXX ) were locked and placed under investigation. During this period, I received explicit verbal instructions from XXXX representatives not to make any payments until the investigation was resolved. 

Despite following these instructions, late payments were reported on my credit report for XX/XX/XXXX : XXXX : 90 days late XXXX : 60 days late XXXX : 30 days late I contacted XXXX  multiple times to resolve this issue and was informed that regulatory constraints prevented them from amending the credit report. This response contradicts the verbal instructions I received during numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), advising me not to make payments while the accounts were under investigation. 

I actively attempted to make payments during this period but was initially prevented from doing so by XXXX system. Only after insisting and escalating the matter to a supervisor, and after multiple attempts, was I allowed to make a payment using an alternative method. 

On XX/XX/XXXX, I contacted XXXX again to address these discrepancies, but the issue remains unresolved. I have sent a formal dispute letter to XXXX XXXX XXXX office, detailing these inaccuracies and requesting an investigation. I included screenshots of a XX/XX/XXXX email and detailed call logs as evidence. 

The inaccurate late payment entries on my credit report do not reflect the actual circumstances and are compromising my creditworthiness. I request a thorough investigation into these entries and their removal from my credit report. 

Thank you for your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is inaccurately and incorrectly reporting information on my credit report which is damaging my credit score. The date of last activity is incorrect, the date reported is wrong, the date opened is incorrect and the last payment is inaccurate which is a violation of the FCRA and FDCPA

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 2024-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My XXXX husband opened a Capital One credit card in my name and admitted it was his but lies about it being in my name. Just like EVERYTHING else is in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

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 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

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 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a Lowes Rewards consumer credit card in XXXX of XXXX an initially was given a {$1000.00} Credit Limit. I used my card frequently and had no issues, In XXXX of XXXX I applied for a credit line increase and received an additional {$1000.00} making my credit limit {$2000.00}. My highest balance that I had on this card was {$1400.00}. All of my payments since opening the card were set on autopayment. I received a letter on XX/XX/XXXX stating that Synchrony has decided to close my account. The reasons Synchrony gave are listed below : reason ( s ) for our decision are listed below. 
Lack Of Real Estate Secured Loan Information Too Few Bankcards With High Credit XXXX Too Many Inquiries Unpaid Collections All of the above items were in place when I opened my account. I own my home free and clear without any mortgages. I am XXXX XXXX XXXX and I feel that my age has something to do with the reasoning for closing my account. Synchrony Bank 's scoring model I feel is biased on age. The result of this account being closed has caused my credit score to plummet and now trying to replace that card has been impossible with the closing of my account..

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 2024-07-09 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: NJ

Complaint narrative:
XX/XX/24 i called equifax to habe disputes taken down amd off my credit report and they along with XXXX, XXXX  are not reporting up to date fair and accurate reporting on my credit report my XXXX  score is XXXX since XXXX and has not been changed to be updated this is unfair and inaccurrate information and scores i dont own a home, i paid off all homes, i sold my XXXX  XXXX XXXX XXXX the dealer that bought my car and all theu are doing is showing late payments that are all old on my current credit report equifax told me XXXX that my official XXXX  score was XXXX and should be reflected with all banks and loans places and it is not even accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-07-09 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: NV

Complaint narrative:
Dear Capital One Fraud Department, I am writing to inform you that I have become a victim of identity theft, which has resulted in the unauthorized opening of an account under my name. The account in question ends in XXXX with a balance of {$480.00}. I did not authorize the opening of this account, nor did I make any requests or transactions associated with it. 
Additionally, I want to clarify that the phone number and address currently associated with this Capital One account were not provided by me and any calls or communications originating from them were not made on my behalf. 
Please consider this letter as a formal notification and request to investigate and take appropriate actions to address this issue. I request that you close the fraudulent account immediately and ensure that no further transactions or activities take place under this account. 
I have already taken steps to report this identity theft to the relevant authorities and have included a copy of the police report for your reference. 
I trust that Capital One will take swift and effective measures to rectify this situation and protect my personal and financial information from further misuse. If any additional information or documentation is required from my end, please do not hesitate to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX free to customize this letter with any additional details or documents you may need to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NV

Complaint narrative:
Equifax never served by Courts SEC v. Jarkesy, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( JXXXX XXXX XXXX, ch. 646, 62 Stat. 945. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-09 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: TX

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete 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 non-monetary relief
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete 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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My information was stolen and used ; The company has invalid information and failed to do a proper investigation. This is reporting on my credit report and I want it removed off because its not my account. Im applying for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX setup a new credit card with Wells Fargo and successfully made a payment online using my XXXX checking account. Now Wells Fargo will not allow me to use my XXXX account to make future online payments. I called customer service and the only suggestion they had was to open a new bank account. That is not acceptable. I searched the internet and this is apparently a known issue with Wells Fargo, yet they refuse to acknowledge the problem is on their end and place blame on the consumer and the other bank, despite this issue occurring with multiple different banks. They acknowledged it was a weird situation, but straight up refused to do anything other than tell me to open a new checking account -- just to make payments for this credit card. That is incredulous and I have never had this issue with any of the many credit cards I have had over the years. The problem is not on XXXX 's end, it's on Wells Fargo 's end. I also submitted a XXXX  complaint. I believe this is Wells Fargo 's attempt to push people into setting up a bank account with them.

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 2024-07-09 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: FL

Complaint narrative:
HI, my name is XXXX XXXX XXXX, i been calling experian about a wrong credit report, the agent i talked to said they verified that any information they receive is been verified but i have a problem with XXXX they said that i have an acount pass do and i never have an acount with them, i been tried to fix this matter for over XXXX years and get no answer still on my credit they do not have make any investigation, i have like XXXX differents alias and a social security number that is no belong to me the amount of money with XXXX  is {$380.00} i dont know what to do any more 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 2024-07-09 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: IL

Complaint narrative:
I DID NOT INQUIRE IN THIS BANKING CARD. I AM REPORTING THIS AS FRAUD. 
XXXX XXXX XX/XX/24

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 2024-07-09 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: FL

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.

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 inructions 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. 

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MN

Complaint narrative:
The following accounts listed and showing on my Experian, XXXX and XXXX XXXX credit report, was paid in full and as agreed on, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
This is my last attempt to resolve the issues of this inaccurate reporting. The accounts are fraudulent and are damaging my livelihood.

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 2024-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My payment was going to card on file services after I lost my job during XXXX for some reason. I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. They did not properly credit my trade in of {$8000.00} for my XXXX XXXX or transfer the trade in out of my name. I just recently did that myself. After the issues with my payments going to the card on file instead of Capital One, I found out the data breach had allegedly covered my loan. While I was not home in XXXX, my car was repossessed by XXXX XXXX, and I had a laptop, a phone, cash, and financial documents including my social security card and bank statements in the car. I was told that I could not get my property and the sheriffs office will not show me the repossession documents they allegedly were given by XXXX. I then started getting threatened by Capital One agents, seriously threatened, because I owe on the car after it was repossessed, but I was trying to pay my payments and get my car back. It was towed in park and no key. XXXX wants me to pay the auction balance. I dont even know who to pay. I had the original loan documents IN THE CAR with my registration paperwork. I also went to the XXXX, and they said I surrendered the car and transferred it to someone else but they can not tell me who i transferred it to. That makes NO sense.

Company response to consumer: Closed with explanation