vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, XXXX, and Equifax credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX XXXX own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
At the moment I am having a hard time with the payments of the vehicle due to the vehicle having to be placed in the shop on multiple occasions. Since purchasing the vehicle it has been in the shop since the first week on and off. The warranty center in which I was instructed to take the car to failed with multiple attempts to fix the vehicle. I can provide paper work showing the work the warranty center did was in fact a failed attempt resulting in me having to come out of pocket over {$2000.00} within in a 2 month Period. Not to mention I was advised that the car would die within a year time due to corrosion in the breaking system and in the suspension system which I have video as well to prove as well as the ongoing gas line issue. I posed the question to XXXX XXXX about getting out of this loan or possible getting it transferred to another vehicle in which she stated when I was ready to call her and wanted to focus on the current issue. However she never answered the question. She asked that I send the proof of repair. In which I had my breaks, roaders, and calipers and a break line leak repaired something that was preventable if the warranty company that completed this work back in XXXX took the time to do the work correctly. XXXX XXXX advised that if I sent the proof of payment within 24-48 hours max the back car payments would be deferred. I sent the documentation the same day she asked on XX/XX/year> and I didnt get a response until a week later XX/XX/XXXX in which another payment has come due and now she is advising In order To defer the payment I would have to make a payment. A payment that I dont have. I believe this was intentionally done because of the ongoing issues I have been having I believe they are now trying to corner me in a no win position. I am requesting assistance with this matter as time and time again between the seller, warranty company, finance company it has been nothing but run around and hassles. I will also be filing a complaint with the XXXX  as XXXX XXXX XXXX has been rude and obnoxious making me feel like I am doing something wrong for preferring the work being done on my car is done by a qualified and rated shop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Navy Federal Fraud Department RE : Account number : XXXX Account number : XXXX Dear Sir/Madam : I'm a victim of identity theft. I recently found out that my personal information was taken to open an account with your company. I did not open or authorize this account, hence I beg that it be closed immediately. I also request that NAVY FEDERAL relieve me of all charges on the account and take all necessary actions to delete information about this account from my credit record. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT, which backs up my position, as well as a copy of my credit report, which shows the false items relating to your firm that were obtained through identity theft. A copy of the CFPB 's Notice to Information Furnishers is also provided, outlining your responsibilities as an information provider to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must cease giving identity theft-related information to any CRA. 
The Notice also describes your responsibilities if you get notice from a CRA under section 605B of the Fair Credit Reporting Act that the information you gave to the CRA was the result of identity theft. These responsibilities include ceasing to supply misleading information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. 
Please look into this situation, terminate the account, relieve me of any charges, follow the processes needed by the Fair Credit Reporting Act, and send me a letter outlining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Police report identity theft report copy of the credit report CFPB 's notice to information providers ( PDF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Services calls me at least daily. When I have spoken to representatives, they confirm that I do not have a debt and say they will take me out of their system. They also have a debt lookup feature on their website and when I enter my information, nothing comes back. Yet they continue to call and harass me every day for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citigroup , Inc. ( " Citi '', the " Company '' ) continues to send unrequested and unwelcome advertising and propaganda by mail and email, even though I have informed the Company of my information being registered on XXXX, a site owned by XXXX XXXX XXXX XXXX in compliance with the Fair Credit Reporting Act ( " FCRA '' ). The Company violated in numerable times dispositions that protect consumers of having their information used and shared with affiliates for the purpose of offering propaganda, even after informing the Company NOT to do so, and informing the Company of the opt-out registration, actions contrary to what's stated and protected under FCRA. 

I am humbly requesting this agency to assume jurisdiction on these matters.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally follow up on my previous dispute regarding the accuracy of several items on my credit report. While I have received your response and the results of the investigation, I must respectfully disagree with the conclusions, as several accounts were not properly validated, nor was sufficient evidence provided to support the continued reporting of these items. 

Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX This account was marked as " updated. '' However, I have not received any documentation or validation proving the accuracy of this debt. 
XXXX XXXX XXXX This was " verified as reported. '' I am requesting proper validation as outlined under the Fair Credit Reporting Act ( FCRA ), including proof of the original agreement or contract associated with this debt. 
XXXX XXXX XXXX Marked as " updated, '' but no supporting documents or validation of the debt were provided. 
XXXX XXXX XXXX Updated with no validation. 
XXXX XXXX XXXX Verified as reported, yet no validation documentation was supplied. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation and verification of the debts. Simply marking accounts as " verified '' or " updated '' without providing evidence does not meet the legal standard for validation. I am requesting that you provide me with : A copy of the original signed agreement or contract that proves the validity of these debts. 
Documentation of all communications related to the debts and a full accounting of how the amount owed was calculated. 
Proof that the creditors are legally authorized to collect on these debts. 
If you are unable to provide this information, I request that the unverified and unvalidated items be immediately removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I am prepared to escalate this matter if it is not resolved in a timely and lawful manner. 

I expect a response and resolution within 30 days, as required by law. Please update me in writing, and if applicable, send me a corrected copy of my credit report reflecting the removal of any unverifiable or invalid items. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these issues.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: UT

Complaint narrative:
so Avant closed my account without me knowing. They also overcharged me {$56.00} dollars and then said that they credited it back. Well how can I use this if my account is closed I asked, and can they send it to me in check? I asked what was this overcharged fee for? XXXX said couldn't give me a straight answer. kept putting me on hold. I asked to escalate the call and speak to a supervisor/ manager or anyone above her she said they were all busy. Even after an hour they were all busy. when I asked for the refund information XXXX said that it will take three weeks and then at that time it will be considered for approval. They have been overcharging me for fees that should've been refunded such as cash advances and using the card every month even if the card isn't used which should be the only time that I'm charged anything. They wanted me to pay for the {$56.00} that they overcharged me and when I argued that I was filing a federal complaint they said then it was going to be refunded. I have recorded conversation and financial statements from the company app to prove they maliciously and deceptively tried to scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding US Banks recent actions of closing my account without providing a clear or specific reason. Despite multiple attempts to contact the bank and request an explanation, I have only received vague, non-descript responses. This lack of transparency is affecting my ability to manage my finances. 

I have always maintained my account in good standing, and there is no apparent reason why my account should have been closed, nor why I should be denied the opportunity to open a new 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I do not know much accept that when I found out that a credit account was opened with XXXX  XXXX bank without my knowledge, so I did a credit report with XXXX and it showed that another inquiry was made without my consent or knowledge on XX/XX/year>XXXX  with CAP ONE NA.

Company response to consumer: Closed with non-monetary relief