vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The XXXX was issued to this company and with singed PO from the dealer this should have been accepted as a barter exchange these instruments was to release the goods as it relates to the vehicles. 
Case Number : XXXX Dear XXXX XXXX , GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
We would like an opportunity to address your concerns ; however, with the information you have provided, GM Financial is unable to locate an account or application for credit. At your earliest convenience, please provide your full GM Financial account number or social security number. 
Upon receipt of this information, we will research this matter. 
Should you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ( XXXX ) XXXX. Our hours of operation are XXXXXXXX XXXX to XXXXXXXX XXXX CT, Monday through Friday and XXXXXXXX XXXX. to XXXXXXXX XXXX CT on Saturday. 
Sincerely, XXXX XXXX. 
XXXX XXXX. 
XXXX Department | Complaints ( XXXX ) XXXX | ( XXXX ) XXXX ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> is not mine please for the 100 time remove it from my credit report 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2024-09-16 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> is not mine please for the 100 time remove it from my credit report 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance Corporation opened an account in my name upon receiving my promissory note and denied me access to this account. Once the bank purchased promissory note it acquired the rights to the note to repay the debt. UCC Article 3 negotiable note. Bank processed the note through the clearing system a higher amount credited to account. Leveraging note value for more than credit creation. I become the holder in due course. ( My account ) I am entitled to the funds credited to my account. USS Article 3 & Article 4. Im holder in due course of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: AZ

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/scrub>/2024 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Somebody applied for a XXXX dollar credit card from capital one. I wasnt made aware of it until I tried getting a credit card from XXXX  and checked my credit because they said something was recently added to my credit. When I checked it said I have almost about XXXX dollars I need to pay back to capital one because of the credit card and it racked up interest. I never applied for a card until I turn XXXX XXXX I was in XXXX  trying to raise my credit but one was already taken out without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has spent months of delays and misdirection to avoid paying out the signup bonus of {$300.00}. Citibank has started charge a monthly fee of {$5.00} because I am unable to close the account due to their delays. Citibank confirmed on Friday, XX/XX/year>, that they had received a W-9, but on Monday, XX/XX/year>, no one can find it. This is a wide spread issue that Citibank is using to avoid paying out signup bonuses.

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 monetary relief
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-16 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: FL

Complaint narrative:
My account with Experian 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 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.

Experian 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 2024-09-16 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: IL

Complaint narrative:
1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At Bank of America address XXXX XXXX XXXX in XXXX XXXX on the date of Friday XX/XX/XXXX between the hours of XXXX and XXXX A Bank of America employee named XXXX fraudulently and prejudicely destroyed a bank of America check issued to me from my employer due to the color of my skin. I handed the teller ( XXXX ) a check and asked if she could cash it and she said yes but I would be charged a flat fee. After I handed her my ID and check through the window she said she needed a moment to verify my check and left the counter. When she came back to the counter my check had a VOID stamp on it and she told me she couldn't cash my check. She then handed me my ID and my Defaced check and told me to cash my check that she Defaced somewhere else. Then I asked her is It because I'm XXXX and she nodded her head as if saying yes. I then asked her why she Defaced my check and she shrugged her shoulders.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I was on vacation in the city of XXXX, XXXX from XXXX24. I had XXXX unauthorized charges of {$190.00} on XX/XX/year>24 and {$160.00} on XX/XX/year>24 in XXXX XXXX. I was never in XXXX XXXX. I reported it to Wells Fargo Bank and the result of the investigation was that I authorized those charges, but it is impossible because I was not on vacation in XXXX XXXX, I was in 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 2024-09-16 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: PA

Complaint narrative:
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 2024-09-16 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: MO

Complaint narrative:
I have disputed on numerous occasions that an account called XXXX that is listed on my credit report doesn't belong to me. Anyway, the Fair Credit Reporting Act clearly states that all the information on a person 's credit report must be accurate and complete and if any information is missing then that makes the credit file incomplete and thus should not be listed one 's credit profile. On all three credit bureaus the date of last payment is missing. The date that the account allegedly went into delinquency is different with all three credit bureaus. The amount owed is different with all three credit reports. 
The removal date for this account is different on all three credit bureaus. So, therefore this account is inaccurate and should be deleted from my credit report immediately and this account doesn't belong to me as I am a victim of identity theft

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 2024-09-16 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: MO

Complaint narrative:
I have disputed on numerous occasions that an account called XXXX that is listed on my credit report doesn't belong to me. Anyway, the Fair Credit Reporting Act clearly states that all the information on a person 's credit report must be accurate and complete and if any information is missing then that makes the credit file incomplete and thus should not be listed one 's credit profile. On all three credit bureaus the date of last payment is missing. The date that the account allegedly went into delinquency is different with all three credit bureaus. The amount owed is different with all three credit reports. 
The removal date for this account is different on all three credit bureaus. So, therefore this account is inaccurate and should be deleted from my credit report immediately and this account doesn't belong to me as I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank closed my checking and savings account weeks ago under the " fraud activity '' guideline while providing no basis or real answers as to which activity was fraud like. I was told that I would receive a check with my balance in 7-10 business days but that didn't come. After weeks I finally call Citi and they tell me that my account isn't closed but on hold and under review. Now it may take 60-90 days for my funds to get to me. This is completely different than what I was told on the phone and in one of the branches.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has completely and irresponsibly handled every dispute for the last 12 months. When called they say they are putting disputes in but hook return call the new person says no such thing has happened. They told me to use the app but the app crashes, can not handle and submitted documents and will direct you to make a call to the company. When submitting over mail company has refused to analyze documents saying they are unacceptable they are getting photos copies of legal documents I would never send them a document they have been known not to process. They have received my correct XXXX credit report and have still refused to investigate issues. They have given return mail they dont recall sending when I call back and they are requesting the same verification files Ive already set. They do not investigate issues as other companies have. They violate consumer rights and say its no there responsibility to investigate issues only the company whos errors/frauds. They dont run FCRA standard investigations. Ive disputing files for XXXX years with this company and they have not researched a single issue

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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