vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I'm writing to dispute unauthorized charges appearing on my credit report. These charges are the result of identity theft, specifically, a fraudulent account was opened in my name. I've never authorized these transactions or benefited from them in any way. I reported this to the Federal Trade Commission, but the issue persists. These false charges are negatively impacting my credit score and financial standing.

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 2024-12-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-11 00:00:00
Product: Credit reporting 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:
On XX/XX/XXXX ( today ) I spoke to a supervisor at XXXX XXXX. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the Capital one delinquent report ( XXXX of late payments ) has not been deleted is because Capital one has not reported to the bureaus ( XXXX, XXXX and XXXX ) to delete it . Even though its been 7 years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to Capital one of deleting it, but I had my doubts since I have been requesting that they remove this 2 months ago, as you know from the initial report and they still havent removed it. 
So Today I spoke to XXXX a supervisor at Capital one and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked Capital one, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes 90 days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of Capital One has XXXX XXXX and XXXX and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( Capital one ) is able to get away with this. Its in fact against the law to have a report such as this for more than 7 years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all three credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts XXXX XXXXXXXX score which Capital one works along with. And negatively impacts the scores with all three credit bureaus due capital ones negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in 2024 and yet the only way to reach out to this XXXX bureau of capital one in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement

a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer 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 2024-12-11 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: MS

Complaint narrative:
After reviewing my credit report, I found a few billing discrepancies. The listed late payments are inconsistent with my typical payment history. Kindly correct these mistakes and update 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 explanation
Consumer complaint received 2024-12-11 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a payment to Citibank in the amount of {$6600.00}. 
The payment should have been applied 100 % to the revolving credit balance that as of XX/XX/XXXX statement had a balance of {$6100.00}. 
Instead of applying the payment to the revolving credit balance with an APR of 21.4 % they incorrectly applied the entire payment to a XXXX XXXX term loan whos original term was 60 month, APR of 8.99 % with a monthly payment of {$410.00} and only had XXXX payments remaining. 
It's now been XXXX months of trying to get Citi to rectify the issue and properly credit my accounts but no one had taken accountability in fixing the problem they created. 
XXXX from the executive office at Citi has been " working '' on my case for a month and half with no proper resolution being presented. My last conversation on XX/XX/XXXX with her just increased my frustration and anger given that her resolution was to give me credit for interest expenses incurred due to their error stemming from the misapplied payment in XXXX. In addition they only credited my revolving credit balance a total of {$5800.00} although I paid them {$6600.00}. To make matters worse, they increased the XXXX XXXX balance by {$8000.00} and extended the term back to XXXX  months. 
I have made a total of {$2500.00} via scheduled payment since XXXX to Citi in addition to the {$6600.00} payment. Out the monthly payments {$410.00} per month should have been applied to the XXXX XXXX term loan meaning that the XXXX XXXX loan balance should have been lowered by atleast {$1600.00}. As of the XX/XX/XXXX statement my loan balance was only reduced by {$920.00}. You don't need to be a math professor to see that this resolution benefits Citi 100 % and steals my hard earn money. I believe that your authority, as the CFPB allows you the right to authorize and to issue investigational subpoenas known as civil investigative demands ( CIDs ) when looking into potential violations of law. I have proof that they have violated consumer laws and affected my accounts and request that you issue a CID and demand, among other things, documents, emails, reports, answers to written questions, and oral testimony from Citi regarding my case. 
I will include attached documents as well and pray that a regional Director, research analyst and examiner review my case and help me resolve this issue. Thank you in advance for your efforts. 
Warm regards, 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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I asked why I can not access my funds they said they thought there was a duplicate transaction and said that they are investigating and my entire paycheck is locked in their bank until theyre done and I can not pay bills until theyre done and they said they dont care and continued to say that I can not access my funds and I asked a yes or no question can I access my funds and they tried to give me a XXXX  answer and lie about it and make it seem like its my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
Base on my credit profile i notice unknown items on my credit report. 
please note that I was never served or mail any info regarding my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I'm writing to dispute unauthorized charges appearing on my credit report. These charges are the result of identity theft, specifically, a fraudulent account was opened in my name. I've never authorized these transactions or benefited from them in any way. I reported this to the Federal Trade Commission, but the issue persists. These false charges are negatively impacting my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I prepaid a facial treatment package from a local business back in 2022. When I try to make an appointment for my facial, I found out the business permanently closed. 
I went to the business XXXX page found out a lot people prepaid package and found the business vanished. 
I filed a dispute on the credit card. 
However, the credit card company SYNCHRONY BANK response back to me with need to go to merchant for the credit, and had no proof that a credit is due. 
I also filed a police report regarding the fraud. I try to contact the nurse who used to work at the business, and found out the business just vanished suddenly and no one can find it.

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 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no action has been taken to address this issue, which is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, TransUnion is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : 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. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
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 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no action has been taken to address this issue, which is a direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, TransUnion is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation. 
TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : 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. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} Late Payment XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX, XXXX XXXX - XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation