vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
My account with this company is being reported late 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 XXXX  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 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! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that XXXX, Equifax and XXXX remove XXXXXXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
On XX/XX/XXXX, a XXXX debit card was compromised and I had to close/cancel that card. A new XXXX debit card was issued and mailed. It should've been received XX/XX/XXXX. I NEVER received this NEW card. No one else had access to my mailbox, pin, or household. Someone activated and started using this card on XX/XX/XXXX. The card was activated at XXXX when I was volunteering and I've attached screenshots of proof that I was at volunteering and it couldn't have been me activating the card. At XXXX, an ATM withdrawal for {$800.00} was made. At XXXX, I received a fraud text alert about a {$1.00} gas station charge and I responded 'NO ' immediately to indicate the charge was fraudulent and I did not authorize it. I spent over an hour on the phone with the issuing bank ( XXXX XXXX ) and XXXX at XXXX to flag the card, report the fact that I NEVER received the card, and stop any and all usage. The fraud text alert at XXXX proves that they knew something sketchy was going on with the card. The issuing bank, XXXX XXXX, appears to have recently gotten in trouble with the FDIC for unsafe and unsound banking practices. Maybe that's how my card was compromised a XXXX time. Again, I NEVER received the new XXXX  debit card and therefore could not have used it to make an ATM withdrawal. I have almost an XXXX credit score. I am not a sketchy or scammy person who would try to get {$800.00} from XXXX by lying about activating a card. 

I have submitted a dispute to XXXX, offered to provide additional information/proof that it wasn't me ( which they weren't interested in ), and gone back and forth with them for a month. They have refused to reimburse me or provide a reason for thinking it was me making the ATM. 

In terms of the company that is responsible, it is a XXXX debit card issued by XXXX XXXX. The next screen/field doesn't let me pick either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: MD

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-28 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
My account with EQUIFAX 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 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.

EQUIFAX 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Account was settled for a less than full amount with Discover Bank. Account is paid/closed since last status update was on XX/XX/year> and it is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Contacted BOA on XX/XX/XXXX and asked manager if they could run a report from the ATM machine and asked to contact the phone number on the machine. Spoken with the Fraud department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX who said there was nothing that could be done and that my money was lost. The bank manager indicated there was nothing they could do and to file a complaint with my police department which was with XXXX XXXX. After a week, informed he was a civilian officer and that there was nothing that could be done. I am aware that every system has a tracking system and every ATM has a report that can be ran called electronic journal file which no one offered to have this report ran. It is now XXXX weeks later still getting the same answers and on XXXX filed a complaint on Bank of America asking why the a report could not be ran that would tell any transactions from that ATM on XX/XX/XXXX between XXXX that includes time, date and money deposited to that machine. I told them XXXX transactions were done, one for {$4600.00} and the other around {$6500.00}. Once a complaint was was filed on XXXX I received a call about XXXX hours later. I specifically indicated XXXX transactions. It took about XXXX calls to reach the assocate assigned to my case with each call going directly to voice mail. I sent an email to that team letting them know they were imposible to reach and then XX/XX/XXXX I finally got a call by from that associate. Please note I started asking for research on XX/XX/XXXX to look into this and got nowhere. Finally when speaking with the associate she said there was no trace of {$11000.00} found when the report done XXXX weeks later ( electronic journal file report ). Waisted time has occurred since the proper procedures not followed. I then confirmed it was XXXX transactions, XXXX for {$6500.00} and the other for {$4600.00}. I got notification on the {$6500.00} that they could not locate the funds. Not happy with the response and how the issue was handled. Still waiting on research on the XXXX transaction. It is odd the amounts sent can not be located since cash went through that machine and was accounted 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 explanation
Consumer complaint received 2024-08-28 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: ME

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 2024-08-28 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: ME

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
After reviewing my consumer file I noticed a reporting from Barclays that was not correct, I reached out to them and sent them proof that I was in prison at that time and did not engage in that debt or authorized the debt. There were a lawsuit filed against me for the debt which was deleted after providing the proof of incarceration. Barclays sold the alledge debt to another company and both companies still reports to my consumer file. I contacted them and told them this is misleading, illegal and false and I want it deleted, as per usc 1692e this is a clear violation. They responded with a letter saying they believe I gave someone permission to use my credit.

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 2024-08-28 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: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
This company is reporting without my consent and I have not done any business with this company. They are reporting as a leasing agency also and I have no rental debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: UT

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

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 2024-08-28 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: FL

Complaint narrative:
On XX/XX/XXXX, upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$4200.00} ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX As per IRS publication XXXX section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: WV

Complaint narrative:
Seventh Ave is account name Date opened XXXX Acct closed XX/XX/XXXX They have me marked down for two late payments, XXXX XXXX of XXXX and XXXX XX/XX/XXXX. I have been disputing these two late fees from day one. I file complaint after complaint. I call and call. I request documentation showing my credit contract w them and never receive. I want these taken off my account. There is NO DATA showing for most of my payment history but two months Im late. How can they show NO DATA for over 60 % of my credit history but then put me late for two months. Its obvious their record keeping isnt accurate or they would show the other months reporting which they do not show. I want this removed. Please inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I sent the company ( Capital One ) a check from my bank for the payoff amount on the account. With it I sent a note saying that the check was to pay off the current balance. The note did not say that the account was to be closed. Capital One then closed the account. I called the company to ask them to reopen the account, but they said they could not reopen it. 

I have had the account for 27 years and have always made my payments on time. This account is very important for helping me to maintain my credit score, which is fairly high at the moment.

Whether the company closed my account by accident or because they thought I was paying it off to close it, I did not direct them to close the account. Their closing the account has the potential to have a negative impact on my credit score. Given that I have maintained this credit card for 27 years with a good payment history, that kind of impact to my credit score is unfairly negative and is impossible for me to restore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-08-28 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.
State: CA

Complaint narrative:
I have never been late in making my payments. I previously contacted the company, but they did not respond to my request. I am now requesting that the late payment reported for XX/XX/XXXX be removed, as it did not occur. Thank you for your assistance in these matters. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$11000.00}

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