vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: WI

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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 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! 


Update 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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I placed a credit freeze for all credit report companies ( Experian, XXXX, and XXXX ) ; thus I expected nobody can open any bank or credit card account without authorization from me. However, Experian XXXX XXXX allowed an identity thief to open a digital checking account without sending me a second factor authentication or verify my true identity first. I dont understand how Experian XXXX XXXX could allow someone to open an account while my credit has been frozen. There is a serious loophole in their system. The thief was able to log into my Experian credit account and changed my profile information such as email address, phone number, and password without a second factor authentication. When I called the company, they denied any responsibility and kept transfer me from one department to another department, some of them even transferred me to a computer-answering system! I was on the phone for hours. The companys action showed me that they are not taking identity theft seriously. There should be consequences for Experian!

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent information on my credit report due to a data breach. I did not authorize the creation or use of the following account and inquiries, which were the result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such information blocked and removed from my credit report.

Fraudulent Account to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$310.00} Unauthorized Inquiries to Remove : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a Carnival World Mastercard issued by Barclaycard US. The problem is that I have been unable to access my online account for months. When I call customer service, they are unable to access my account. I have been having this issue for months, and they can not or will not fix it. I have called multiple times and have spent hours on the phone with no results. I have a case number with them which is 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America submitted fraudulent information to the credit bureau

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 2024-11-18 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 am writing to formally inform you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information to open fraudulent accounts and conduct unauthorized credit inquiries under my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the accounts and inquiries listed below be immediately blocked and permanently deleted from my credit report.

Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
XXXX  XXXX XXXX credit card XXXX XXXX XXXX XXXX. Statement was not received for XXXX because mail was vandalized at subdivision mailbox. No coourtesy call was made like XXXX  XXXX XXXX said they do. I have had this card for several years and never been late. The balance was {$120.00}. When we realized we had not received statement we immediately paid balance in full. I immediately called XXXX  XXXX XXXX and spoke to customer service, they informed me they would reverse the late pay and restore my original credit limit. They told me I have been customer for 20 years and never had late pay. There have been a lot of vandalism in our area and mail being stolen. Please update my credit report asap as I work very hard to keep my credit above XXXX, thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. 


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!

Update 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX of 2024, I purchased a computer from Best Buy at their XXXX XXXX, SC location. The cost was approximately {$1900.00}. When I handed the store clerk my debit card to pay for the purchase, he told me that if I opened a Best Buy credit card, I would receive a {$170.00} credit which I could use against the cost of the computer when my first billing statement arrived. I didn't really need another credit card, as my financial situation allows me to afford whatever my needs are without buying things on credit ( other than XXXX, etc. ) But against my better judgement, I said " OK '' to the clerk, thinking that I would just use the {$170.00} credit against my purchase, and probably never use the card again. At any rate, the first bill arrived and I went online to pay off the balance. I immediately noticed that there was no {$170.00} credit applied, and so I called the number for the Best Buy credit card. The representative then told me that I could not use the {$170.00} credit against the computer purchase, and that the credit could apply only against future purchases. I explained what I had been promised when I opened the account, but the representative replied that she was sorry but I would have to pay the computer price without the credit. I then paid the balance on the account, less {$170.00}. I told her and then another representative who called approximately a month later that I had been happy to pay the amount I had agreed to, but that I would pay no more.

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 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: MO

Complaint narrative:
I contacted CarMax Financial customer service to discuss the handling of my claim for lost personal belongings ( valued at {$30000.00} ) that were disposed of after my vehicle was repossessed. I spoke with a representative named XXXX. 
During this call, XXXX : * Provided inaccurate information : She misrepresented the scope of a release form I signed, stating it only covered reimbursement for discarded items. This is false, as the form clearly covers [ State what the release form actually covers ]. 
* Refused to provide information : When I inquired about how CarMax located and retrieved my stolen vehicle, and how to reinstate my vehicle, XXXX refused to answer, stating she was " not required to. '' * Demonstrated unprofessional conduct : XXXX abruptly hung up on me while I was still speaking and asking legitimate questions. 
What I believe the company did wrong : * CarMax Financial, through its representative XXXX, provided false information, withheld crucial information relevant to my account, and engaged in unprofessional and disrespectful conduct. This behavior has caused me significant distress and hindered my ability to resolve my claim for the loss of my belongings. 
What I want the company to do : * I request a thorough investigation into XXXX 's conduct and the handling of my claim. 
* I demand a clear explanation of how CarMax located and retrieved my vehicle, and the process for reinstating my vehicle. 
* I expect to receive a fair and reasonable settlement for the full value of my lost belongings ( {$30000.00} ). 
* I want CarMax Financial to take appropriate action to ensure its representatives are properly trained and provide accurate information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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 2024-11-18 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: NJ

Complaint narrative:
Capital One is reporting 'Late Payments '' on my consumer report. I've been writing them for months demanding them to completely remove these late payments. 
I know they're in violation of congress federal law '15 USC 1666B- Timing Of Payments ' and also " 15 USC 1681 S - 2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ''. 

LATE PAYMENT DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Capital One also keep ignoring my disputes which I have evidence and tracking numbers as well. 
Capital One doesn't respond within the 30-Day period allowed by law. And when they do respond they completely stall me and ignore me. they tell me that i need to provide them with personal non public information such as my social security number in order for them to proceed with the dispute. 
WHERE IN THE LAW DOES IT STATES THAT I HAVE TO GIVE MY SOCIAL SECURITY NUMBER TO A FINANCIAL INSTITUTION LIKE CAPITAL ONE? 
Capital keep violation my rights as a consumer and also congress federal laws. 
because of Capital One inaccuracies on my consumer reports I'm getting denied and its affecting my life style, mode of living and my general reputation as a consumer. 
If they don't comply with federal laws or my requests and remove the late payments on my consumer report I'm going to take legal action and sue Capital One for damages done to me in the last few years. 
I have all the evidence needed to take down and completely expose Capital One Bank ilegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Agency of Credit Control
State: CA

Complaint narrative:
hello I am filing to formally lodge a complaint against [ Agency of credit control ] acct # XXXX regarding their handling of a debt that they have claimed as a loss on their taxes but continues to report on my credit report. This situation raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S.C. 1681s-2, a furnisher of information, such as a collection agency, is required to provide accurate information to credit reporting agencies. Additionally, 1681i mandates that consumers have the right to dispute inaccurate information on their credit reports. 

In this instance, the collection agency reported a debt that they have classified as a " loss '' for tax purposes. This classification suggests that they have written off the debt, which raises questions about the legitimacy of their ongoing reporting of this account on my credit report. The continued presence of this account is not only misleading but also detrimental to my creditworthiness. 

I have attempted to resolve this issue directly with [ Agency of credit control ] but have not received a satisfactory response. I also requested a copy of schedule c again no response Therefore, I am reaching out to the CFPB for assistance in enforcing my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation