vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
My account with ( XXXX 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 ( MONTHS REPORTING LATE ) to be removed. 

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

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


( XXXX 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

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 2024-07-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I emailed the CEO of a goodwill adjustment for one late payment in XX/XX/year>. I am deeply saddened I received a call today from a representative that they couldnt honor this in my favor as I have been a loyal customer to them for now 3 years. I hope this letter finds you well. I am writing to discuss my recent credit history with your company, specifically the late payment reported on my account in XX/XX/year>. I take full responsibility for my actions and sincerely apologize for any inconvenience this may have caused. Unfortunately, during this time, I was severely ill and without any source of income. This unforeseen circumstance severely impacted my ability to meet my financial obligations, including my credit card payments. Since recovering, I have made consistent efforts to get back on track and have ensured all subsequent payments are made on time. I am committed to maintaining a positive credit history and have taken significant steps to manage my finances responsibly. This late payment is currently affecting my credit score and hindering my ability to secure a mortgage loan to purchase a house for my family. As this home is crucial for our stability and future, I am humbly requesting a goodwill adjustment to remove the late payments from my credit report. I deeply appreciate your understanding and consideration in this matter. Your support in this difficult time would mean a great deal to me and my family. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My information was disclosed/Shared to a third party without my permissible purpose or written consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with XXXX XXXX XXXX without My Consent. I do not want any of my financial information shared with XXXX XXXX XXXX  in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 non-monetary relief
Consumer complaint received 2024-07-24 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: DE

Complaint narrative:
Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXX Red XXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX XXXX, Transunion, and XXXX Dear XXXX, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. *XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXX. *XXXX XXXX** - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. *XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** 1. FTC IdentitXXXX Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is on my credit twice XX/XX/XXXX and XX/XX/XXXX XXXX XXXX on there twice XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  on there twice XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX on there twice XX/XX/XXXX and XX/XX/XXXX I have filled for identity theft I will be reaching out to the companies next

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was assessed a tax fee for registering my car in NY state. Honda Finance billed me for it and paid the taxes directly to NY DMV. Honda is still billing for these taxes, though I have already submitted my receipt. I want to ensure that I am not charged additionally and or for any late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to file a complaint against Capital One regarding the closure of my credit account under misleading circumstances. I had missed XXXX payments on my account, but I recently made a payment that brought my balance to {$0.00}. When I spoke to Capital One on that day, they assured me that since my account balance was now {$0.00}, I should not worry, and my account would be active again within XXXX days. 

However, when I accessed my account today, I found it had been closed. This practice seems highly unethical, as it appears I was misled into making a payment under false pretenses. When I contacted them again, they stated that they did not lie but simply did not provide the full update, and that a decision had been made to close my account. 

I am extremely upset with how this situation was handled. I was recovering from a serious injury and was unable to work for a period, which contributed to my missed payments. Despite this, I made efforts to rectify the situation, only to have my account closed without proper notification. This misleading behavior, where they knew they would close the account but still prompted me to bring my balance to {$0.00}, is unacceptable. 

I believe I have been treated unfairly and request that your agency investigate this matter. Capital Ones actions have caused me significant distress and inconvenience, and I seek a resolution that acknowledges their misleading practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
They have no idea why card was sent. Must be fraud. Told them to close acct. They said they can not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt was paid in full XX/XX/2024 and they have a weird balance in collections after this was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-24 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: MS

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 nephew, 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 2 out of 3 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: PR

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  LETTER NOTICE Dear XXXX : I am disputing the above-referenced debt. 

Please verify this debt as required by the Fair Debt Collection Practices Act. 
This is a formal request for them to reinvestigate. You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. 

The federal fair credit law requires credit bureaus to report only XXXX  % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. 

The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you do not comply with this, this account must be immediately removed from my credit report as soon as possible. 

ACCOUNT : XXXX ( XXXX ) # XXXX ACCOUNT : XXXX XXXX  # XXXX Since XX/XX/XXXX, I have requested several disputes regarding these accounts and to date, they have been violating my rights, they do not respond to my disputes, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CBC Companies, Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  LETTER NOTICE Dear XXXX : I am disputing the above-referenced debt. 

Please verify this debt as required by the Fair Debt Collection Practices Act. 
This is a formal request for them to reinvestigate. You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. 

The federal fair credit law requires credit bureaus to report only XXXX  % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. 

The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you do not comply with this, this account must be immediately removed from my credit report as soon as possible. 

ACCOUNT : XXXX ( XXXX ) # XXXX ACCOUNT : XXXX XXXX  # XXXX Since XX/XX/XXXX, I have requested several disputes regarding these accounts and to date, they have been violating my rights, they do not respond to my disputes, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me.

Company response to consumer: Closed with explanation