vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for an extension of credit and regardless of the reason a U.S citizen can not be denied an extension of credit. Being denied my right to credit for ANY reason is unlawful and these corporations know so. Withholding my access to MY securities, is Securities and commodities fraud, a violation of the Equal Credit Opportunity Act, Th

e U.S Constitution and Consumer Credit Protection Act. Pursuant to 15 USC 1691 ( D ) the term credit means the right granted by a Creditor
( ME ) to a debtor to defer payment of debt or to incur debts and defer its payment to purchase property or services and defer payment therefor. 

15 USC 1691 ( D ) - the term 'creditor '' ( ME ) means any PERSON who regularly extends, renews, or continues credit ; any PERSON who regularly arranges for the extension, renewal, or continuation of credit ; or an assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 

The ECOA prohibits discrimination in ANY credit transactions based on race, XXXX, religion, national origin, XXXX, marital status, or age. Additionally, it ensures that creditors provide a written explanation of adverse actions per 12 C.F.R. 1002.9. 

Low credit score, negative credit history, financial status, and or down payment are all " objects '' of a credit transaction whereby discriminatory judgement is used by these corporations to deny you.

Uniform Commercial Code ( UCC ), Article 3 and 9.

Under the UCC, creditors have obligations to ensure fair dealings and good faith ( UCC 1-304 ) and can not unreasonably withhold extensions of credit without a legitimate business justification. UCC 9-610 also governs the disposition of collateral in secured transactions, ensuring fairness.

Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45. 
Deceptive practices related to the advertising or offering of credit are prohibited under the FTCA. This includes ensuring clear, truthful, and non-misleading representations regarding credit terms.

Due Process Clause ( Fifth and Fourteenth Amendments ) : Denying credit arbitrarily or without due process violates constitutional guarantees of equal protection and procedural fairness. 
Commerce Clause ( Article I, Section 8 ) : Federal oversight governs interstate credit transactions, ensuring that creditors adhere to uniform standards. 

Relevant Case Law : American XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established the importance of fair practices in consumer credit evaluations. 

TILA Cases, e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforced disclosure obligations under the Truth in Lending Act. 

Credit Denial is a FEDERAL OFFENSE, its the unlawful conversion of property via a discriminatory criminal action resulting in the theft and deprivation of MY rights as a consumer as well as the unauthorized use of my SSN ( Credit Card )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capstone Credit & Collection, LLC.
State: GA

Complaint narrative:
This information is incorrect and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: GA

Complaint narrative:
This information is incorrect and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This information is incorrect and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
My account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OH

Complaint narrative:
I requested a payment plan that they offered due to me losing my job that would not impact my payment history. They still reported me for XXXX past due payments. This has decreased my credit score.

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 2025-01-07 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: OH

Complaint narrative:
I requested a payment plan that they offered due to me losing my job that would not impact my payment history. They still reported me for XXXX past due payments. This has decreased my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: OH

Complaint narrative:
I requested a payment plan that they offered due to me losing my job that would not impact my payment history. They still reported me for XXXX past due payments. This has decreased my credit score.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Cit made it incredibly difficult to close an account. I called on XXXX in order to close the account, and had difficulty authenticating. Once that was done it took an additional XXXX minutes to have them process the closure, due to the agent spending a significant amount of time trying to convince me to keep it open. They also did not read through required disclosures.

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 2025-01-07 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for XX/XX/year> that was in fact paid on time. The consumer reporting agencies have a need to report ALL information with COMPLETE ACCURACY. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the same data furnisher, they should have consistent information. XXXX clearly shows I was never late which is accurate. Im requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified as accurate, I demand these payments be updated to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.

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 2025-01-07 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

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 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My account got overdrafted for XXXX transactions that were made at night and the next morning I deposited funds, They have an extra day grace period and did not respect it, and refused to refund.

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 2025-01-07 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: Account Resolution Corporation
State: AZ

Complaint narrative:
I moved into a brand new house in 2022. I contacted XXXX secure XXXX alarms. Its located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX. In a nutshell, The alarm didnt work the following day was installed. I mustve called XXXX XXXX times and the XXXX himself who kept ghosting me. So for about XXXX months of paying for a service that did not work and no one calling me back. I took all the leads and central box off, put it in the bag and got a new alarm system. I tried numerous attempts to call the business in XXXX to drop off their equipment to no avail. Shame on me they got XXXX star review I shouldve checked and they have numerous complaints with the attorney general for the state of Arizona. I just saw XXXX XXXX XXXX and I thought it would be a trusted company. But this company is like a spinoff of XXXX. I dont know how they get to use their name. I disputed this claim with all the XXXX credit reporting agencies and one took it off and the other two didnt I dont know why. I am XXXX XXXX XXXX. Ive owned numerous properties and real estate and never had bad credit. This is a Sham company it lowered my credit score XXXX points for this nonsense. You could do a check on me and see all my mortgages have never been late or utilities. Please help me out in this. Its hurting my credit. I am retired. I cant have this. 
The name of the credit company that this sham XXXX uses is called account resolution corporation XXXX XXXX XXXX, XXXX, MO XXXX. Phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
The XXXX XXXX  credit betrays XXXX, XXXX, and Trans Union report XXXX ( XXXX XXXX ) unauthorized credit report hard inquiries that have cussed my report utilization scores to drop substantially. In addition reporting g frivolous past due and delinquent accounts that do not exist as a violation of FTC law and Federal Truth In Credit Reporting and Disclosure Act violation. If not remove today will go to court to file a complaint and request punitive damages due to their wrong act of reporting as they were not authorize. Their actions were deceptive marketing practices. They never said they were doing any hard inquiries. Misrepresentation of facts.

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 2025-01-07 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: NY

Complaint narrative:
The XXXX XXXX  credit betrays Equifax, XXXX, and XXXX XXXX report XXXX ( XXXX XXXX ) unauthorized credit report hard inquiries that have cussed my report utilization scores to drop substantially. In addition reporting g frivolous past due and delinquent accounts that do not exist as a violation of FTC law and Federal Truth In Credit Reporting and Disclosure Act violation. If not remove today will go to court to file a complaint and request punitive damages due to their wrong act of reporting as they were not authorize. Their actions were deceptive marketing practices. They never said they were doing any hard inquiries. Misrepresentation of facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I received a letter stating that Select Portfolio Servicing , Inc. has received my authorization for automatic monthly payment withdrawal from my bank account. I never gave authorization for automatic payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
My information was exposed in the data breach. 

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 non-monetary relief