vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery inaccurate reporting and tines of reporting. They have sent no debt verification or original contract. Will not respond to email. Only will reject my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: KY

Complaint narrative:
Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX XXXX : number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-30 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:
My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Received a credit Card from Bank of America that I never applied for with a limit of {$12000.00}. They stated it was opened XX/XX/2023. They closed the account at my request but could not explain how it was applied for.

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 2024-06-30 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: FL

Complaint narrative:
I am writing to dispute two unauthorized credit inquiries that appear on my Equifax credit report. These inquiries were conducted without my authorization and are fraudulent, which violates the provisions of the Fair Credit Reporting Act. 

The fraudulent inquiries are as follows : Inquiry Date : XX/XX/year> Creditor : XXXX XXXX XXXXXXXX # XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/year> Creditor : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX These inquiries were not authorized by me and are clearly fraudulent. According to the Fair Credit Reporting Act, 15 U.S. Code 1681b ( c ) ( 1 ) ( B ) ( i ), credit inquiries must be made with the consumer 's consent. Therefore, I request that Equifax immediately remove these fraudulent inquiries from my credit report. 

Attached to this letter, I am providing copies of documents to verify my identity, including my Social Security card and driver 's license. 

I request that Equifax conduct a thorough investigation and provide a written response regarding the removal of the fraudulent inquiries within the timeframe stipulated by law. 

Thank you in advance for your immediate attention to this matter. I look forward to your response and confirmation of the removal of the fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Around XX/XX/year> ( i dont remember the date ) I was at the XXXX XXXX XXXX XXXXXXXX having a mammoth done I remember whatever month that it happened it was on the 3rd cause I had just got paid my bank atm card is always hooked up to my XXXX incase i have to send one of my kids money in a hurry this day I left the XXXX XXXX got in my car and looked at my phone to see if I had any missed calls or text I saw a message saying that I was able to get an {$8000.00} loan i didnt trust it so I called them they sounded like XXXX so I looked in my bank account to see How much was in my account {$1000.00} was taken placed on to my XXXX using my debit card then switched to their cashapp i contacted navy federal credit union right away they told me that the people also tried to put a fake check into my account so they took the check out so now navy federal credit union says i owe them {$2200.00} something like that but i didnt scam myself so I dont know what more I can do it like they didnt even look into it and I sent them everything I had to prove my innocence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 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.

This company 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
I am writing to delete incorrect information from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER XXXX5USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

CREDITOR 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 2024-06-30 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: KY

Complaint narrative:
XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX XXXX : number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
capital one i had XXXX credit cards with capital one they automaticly signed me up for auto pay but to a savings account that had been closed with out me knowing. when the ach were kicked back after a year they waited until i paid XXXX card off and closed them marked my file as i am fraud and now add so much fees monthly i cant pay it off. and there reporting to the credit agentces that i am 120 days late when i have never been late and i always make a payment on thus closed account. they wont report it as closed and they wont give me a settlement amount or a payment plan. they also move the due dte to differnt days of the month without tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 violate

s 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 1666
b 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.

This company 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 non-monetary relief
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my Wells Fargo was hacked and multiple transactions were made to XXXX XXXX. The transaction amounts were as follows : {$770.00}, {$770.00}, {$700.00}, {$800.00}, {$890.00}, {$780.00}, {$880.00}, and {$890.00}. The total amount of the transactions was {$6500.00}. I realized the fraudulent transactions were occurring when I attempted to transfer money to my brother. The transfer through zelle to my brother was declined at XXXX on XX/XX/XXXX. I contacted Wells Fargo and informed them of the fraudulent transactions immediately and they froze my account and started a claim. The claim was later denied and since then I've had to open the original claim several times with the promise that their high dollar fraud department would contact me, but to this day I have not spoken to anyone from that department. On the day of the fraud ( XX/XX/XXXX ) I also contacted XXXX XXXX and alerted them that the subject fraudulent transactions were not made by you. I asked XXXX if they could cancel the transaction 's because they were still pending at the time, but they said they could not. XXXX XXXX informed me that they could open a fraud case if anyone were to try and board the flights without being able to present the payment debit card they would be arrested and I would be notified. This did not happen and I continued to contact XXXX several times over the course of a few weeks. The last few calls to XXXX I was informed that the flights were cancelled and instead of me being notified XXXX issued a credit back to the fraudsters. Both XXXX and Wells Fargo have not been diligent in helping me at all with dealing with this fraud. Both companies have tried to put the issue and responsibility off on me and each other. While speaking with Wells Fargo I offered to call XXXX XXXX on XXXX to discuss the claim, but they refused. I've been a Wells Fargo customer since XXXX when the company operated under the name of XXXX XXXX. They are very familiar with my banking and debit card habits and I was very disappointed that they did not pick up on the unusual transaction activity as I was the one that had to notify them of the fraudulent transaction immediately. Also, XXXX XXXX repeatedly asked me for confirmation numbers to the flights which I don't because I did not book the flights, also the contact details that they had in the system did not fully match.

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 2024-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute 3 unauthorized credit inquiries that appear on my Experian credit report. These inquiries were conducted without my authorization and are fraudulent, which violates the provisions of the Fair Credit Reporting Act. 

The fraudulent inquiries are as follows : XXXX XXXX  Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 These inquiries were not authorized by me and are clearly fraudulent. According to the Fair Credit Reporting Act, 15 U.S. Code 1681b ( c ) ( 1 ) ( B ) ( i ), credit inquiries must be made with the consumer 's consent. Therefore, I request that Experian immediately remove these fraudulent inquiries from my credit report. 


Attached to this letter, I am providing copies of documents to verify my identity, including my Social Security card and driver 's license. 

I request that Experian conduct a thorough investigation and provide a written response regarding the removal of the fraudulent inquiries within the timeframe stipulated by law. 

Thank you in advance for your immediate attention to this matter. I look forward to your response and confirmation of the removal of the fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: IL

Complaint narrative:
This is a second time I am filing a complaint please refer to the previous file # - XXXX as I am asking to reopen and review with more proof. 
I never got XXXX $ loan from rise and from what now XXXX XXXX XXXX is accusing me of sending made up amount. 
Please see more attached screen shots for proof. Even a proof of my XXXX XXXX from the original creditor that also shows a different amount. I will dispute this with XXXX and my state attorney general as well They claim and have false papers on the amount that was lended to me from Rise who is the original creditor. 
Please see a screen shot from my statement from MY bank with the amount that was loaned to me it is not XXXX. That is the biggest proof as it was a direct deposit. Also whe is the previous documents with payments starting in XXXX  as that is when this {$2000.00} was deposit to me. Not once I had received XXXX. So that is all a LIE. See attached sheets with deposit dates amounts and payments dates from me.

Company response to consumer: Closed with explanation