vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I canceled my flight due to being sick with covid, with XXXX XXXX, I was told that in order to receive a refund I would need to submit documentation proof, i submitted the documentation and I was denied a refund. I then reached out to Wells Fargo on XX/XX/XXXX and filed a dispute with the bank. I informed them that I was a denied a refunds with the airlines and then they opened a dispute, and told me to check back in 10 business days. The next day the dispute was immediately denied and they then stated that they needed proof airlines in the policy that if I were to cancel due to a medical concern that I could be refunded if I submitted the proper documentation, so I submitted the documentation and then the claim was reopened, a few days later the claim was denied again, called Wells Fargo and they said that Visa would automatically deny the claim because of the rules that their is no refund policy, with disregard to the exception of if a person becomes sick, can send in the proper documentation.

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 2024-12-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OR

Complaint narrative:
The dates are XX/XX/2024 and XX/XX/2024 we have never reversed any payments and as the transactions show the payments were on time.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I had my credit report pulled and I realized that someone was using my information and I would like the company to remove the debt because its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: WI

Complaint narrative:
My Direct Express card from social security XXXX deposits, was scammed {$680.00} and the bank at direct express says they are not refunding my money? XX/XX/year> I called spectrum to pay my bill, gave them my card number etc and they stated I owed all this money? I said oh no I don't! And I said No I am only paying XXXX which I only owed ..the man on other end of phone laughed at me and said yes you do! I told man I will go online and pay my {$19.00} bill instead and I hung up..an hour later XXXX was taken off my card in 4 different transactions..I called Direct express right away, they wanted verification from Spectrum saying that money was not owed XXXXso, spectrum internet sent me 6 months worth of statements showing that money was never owed nor was it ever receivedXXXX and still they won't give me a refund ..this was a person pretending to be spectrum and I was scammed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
i sent letters out over a month ago for validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.

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 2024-12-18 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was the victim of check fraud when I mailed 2 checks to XXXX XXXX XXXX  to pay my XXXX. The checks were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made payable to XXXX XXXX XXXX. These checks were stolen from a post office box in XXXX and the payee was altered to XXXX XXXX and then both checks were deposited into her XXXX XXXX and cleared by XXXXXXXX XXXX Chase Bank. 
XXXX XXXX XXXX XXXX has reached out to Chase for reimbursement numerous times. Finally, they received reimbursement for the {$2400.00} check. Chase is now saying the check for {$3900.00} has my forged signature when it is clear from both checks that my signature is identical. It is the Payee that was altered, not my signature and therefore, the responsibility lies with them for cashing these checks without authorization. 
XXXX XXXX XXXX sent me a response that I should be filing a complaint with your department. 
I have attached copies of the 2 checks as I wrote them out. I also have attached copies of the same 2 checks showing the altered payees. The backs of the checks note they were deposited into her XXXXXXXX XXXX. Police reports from XXXX and XXXX are also attached. 
Please correct this injustice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by Equifax for Account XXXX Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation. 
PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX Equifax Late Payment : A 30-day late payment was inaccurately reported for XX/XX/XXXX. 
High Balance : Reported as {$0.00}, significantly inconsistent with other bureaus. 
Last Verified Date : Listed as XX/XX/XXXX, differing from XXXX and XXXX. 
Closed Date : Not specified, inconsistent with other reports. 
Dispute Status : Marked as " Consumer disputes - reinvestigation in progress, '' yet no resolution provided. 
Account Status : Listed as " Open, '' conflicting with the closed status on other reports.

Account Remarks : Incorrectly states " Amount in H/C column is credit limit, '' which does not reflect the account accurately.

Two-Year Payment History ( Late Payment Dates ) : Reported a 30-day late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by Equifax for Account XXXX Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation.

PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle.

Summary of Errors and Discrepancies for Account XXXX Equifax Late Payment : A 30-day late payment was inaccurately reported for XX/XX/XXXXXXXX XXXX 
High Balance : Reported as {$0.00}, significantly inconsistent with other bureaus. 
Last Verified Date : Listed as XX/XX/XXXX, differing from XXXX and XXXX. 
Closed Date : Not specified, inconsistent with other reports. 
Dispute Status : Marked as " Consumer disputes - reinvestigation in progress, '' yet no resolution provided. 
Account Status : Listed as " Open, '' conflicting with the closed status on other reports.

Account Remarks : Incorrectly states " Amount in H/C column is credit limit, '' which does not reflect the account accurately. 
Two-Year Payment History ( Late Payment Dates ) : Reported a 30-day late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently received my consumer report and notice the portfilo Recovery is reporting that I owe a collection I reached out and ask where did I legally sign may wet signature for ownership of this debt they could provided it to me. This account is not mine and I demand it be removed from my credit report because of identity theft I have already reached out to XXXX and XXXX and XXXX and all reporting agencies should be following laws and regulations to report this negative information without showing any proof of verification of this alleged debt that's not mine PORTFILO RECOVERY XXXX XXXX {$450.00} and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report contains accounts that I did not open or approve, likely due to fraud. Please take steps to eliminate these fraudulent entries.

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 2024-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Bank account ( XXXX ) has a transaction on the date of XX/XX/XXXX, for {$900.00} and {$83.00}. I was told by a bank representative that the refund would be granted shortly. I reached out to the bank once I received the replacement card, but funds were not replaced. These protections are outlined below : 1. The Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, ( Regulation E ).

2. California Financial Information Privacy Act ( CFIPA ) : It holds financial institutions accountable for securing personal and account data, including when a debit card is lost or compromised.

3. Zero Liability Protection Programs : zero liability policies as part of customer service agreements. These policies go beyond federal and state laws to protect consumers, ensuring reimbursement for unauthorized transactions. 
For instance : XXXX and XXXX debit cards : These networks have their own zero liability policies that ensure you are not held responsible for unauthorized charges if you report the issue promptly.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  XXXX - XXXX - {$0.00} Late Payment XXXX XXXX XXXX  - XXXX - {$77.00} XXXX  - XXXX - {$7200.00} XXXX  XXXX - XXXX - {$700.00} XXXX  - XXXX - {$53.00} Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
my rights are being violated under USC 1681a [ I ] the company has been notified that this information is a result of identity theft due to several data breaches including the SSA, and XXXX breaches I have received settlement checks because of this and XXXX is refusing to remove first premier {$740.00}, and multiple hard inquiries that should not be on my report I demand that these fraudulent information be removed with in the proper frame time and is blocked from my report within 4days of validation of FTC identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CT

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
Unapproved hard inquiries on my credit report are inaccurate and impacting my credit negatively. Per 15 USC 16c-2, please remove all such entries.

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 2024-12-18 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 XXXX 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 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 XXXX7 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief