vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX 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. 


XXXX XXXX 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 2024-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: HI

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I Have been a Capital One card holder for over 10 years. I have never had a late payment, and I have always paid off my balance every month my credit score is usually around XXXX ( has dipped to XXXX a few times after some big purchases but I still never missed a payment. ) I have applied for a credit increase twice a year for over 6 years & have been declined for not using the card enough. I have called, emailed, and written trying to get the amount they required for them to raise my limit, but they dont answer anything. Today I spoke with someone at the call center that told me I needed to use 3 % of my limit ( my limit is {$6000.00} ) my last statement was {$890.00}, Ive had higher & Ive had lower but they still decline an increase. I have several other cards & within a couple of years they increased my limits up to {$26000.00} on one, {$25000.00} on another and when I get new cards they start my limit off at about {$16000.00}, but Capital One still wont raise my limit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I relocated from XXXX, Virginia to Georgia for employment and rented a townhome in XXXX, GA beginning XX/XX/XXXX. On this day I paid the {$500.00} security deposit and pro-rated rent of {$160.00} ( XXXX rent ). I continued to pay my rent on time and in full, totaling {$1700.00} + {$3.00} convivence fee from XX/XX/XXXX- XX/XX/XXXX. As my job was located on the XXXX XXXX XXXX base the daily XXXX hour commute became too much and I spoke with the rental office to express my anguish. I was told that I could break my lease by giving a 30 day notice as well as surrendering my security deposit. I notified the property manager, XXXX XXXX of the intent to terminate my lease mid XX/XX/XXXX ( more than 30 days in advance ). I also confirmed that I understood that I would have to surrender my security deposit of {$500.00}. I moved into my new home with a commute of XXXX minutes to my work on XX/XX/XXXX and completed my move out inspection XX/XX/XXXX ( I have included the move out inspection which shows that I surrendered the unit keys and mailbox key as well as no damages to the unit ). On this date I confirmed that everything on my end was in good standing as I was told that there was an individual that would be moving into the unit and nothing was owed. A while later I began receiving bill stating that I owed on the property. I emailed the property manager to inquire about the fees ( please see email attached ). I was told that because someone else changed their mind I was responsible for paying prorated rent for XXXX. I do not think that is fair as my lease was absolved and I was told I was not responsible for someone else not occupying the unit and voiding their lease. I have reached out to the XXXX XXXX XXXX XXXX XXXX and have been met with attitude and no solution other that " you need to pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I sent in XXXX payments to XXXX. XXXX of the payments arrived XXXX day late and I was charged {$30.00}. I paid through bill pay with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was looking at my credit report and I had unauthorized inquiries that I did not approve or had any knowledge of and it has hindered my credit badly.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May  Concern : I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which were made without permissible purpose, and in validation of my rights as a consumer, these inquiries have adversely impacted my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Full name : XXXX XXXX XXXX XXXX of birth : XX/XX/XXXX Last 4 of social security number : XXXX Unauthorized hard inquiry details : ( organizations with inquiry dates ) 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

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 2024-06-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Tried closing a {$100000.00} CD at Huntington bank in XXXX XXXX Mi. Contract states XXXX  percent interest rate for 14 months with Apy of XXXX. XXXX is {$6000.00}. XXXX will only pay {$5900.00} which is only XXXX percent. They are not compounding the interest that is accredited to the account every 3 months. By law all banks are required to use XXXX when comparing interest rates. I believe Huntington bank is committing fraud on its depositors by not using XXXX as stated in their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-18 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-06-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
On XX/XX/year> : I opened account with the balance of {$35000.00}. I went into the hospital XXXX weeks later and when went to the bank my balance was approximately {$11.00}. 

I asked for a bank statement to find unauthorized charges ; and the charges showed charged off of credit cards in which I do not own or never owed. 

The stated they would look into ; and told there is nothing they could do.

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 2024-06-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-06-18 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: CA

Complaint narrative:
Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 
XXXX. A inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint [ # report ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-18 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: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of HUD/FHA . Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with HUD/FHA . Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to FHA/HUD claimed have acquired Mortgage in XXXX. XXXX XXXX XXXX XXXX XXXX has never provided any proof, contract, or agreement on how they become involved with this Mortgage. XXXX XXXX XXXX XXXX XXXX again claimed that they acquired the Mortgage in XXXX ( No record ). FHA records shows XXXX XXXX XXXX  as Servicer. XXXX XXXX XXXX  doesn't show up on FHA spreadsheet until XXXX. In XXXXXXXX XXXX XXXX XXXX entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by PNC Bank in XXXX. XXXX XXXX XXXX did not secure the Assignment of Mortgage until XXXX. XXXX XXXX XXXX  used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an PNC Bank employee who falsely represented herself as an Original Lender 's employee, in actuality she is an PNC employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. XXXX XXXX XXXX XXXXgnored my request. Provided alternative information instead of what was requested.

Company response to consumer: Closed with explanation