vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
I have made numerous attempts to delete items from my credit report that are being reported without my consent I did not give these creditors or these Credit Reporting Agencies permission to disclose any of my personal non-public information. The following accounts are the items I am referring to. 

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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently received XXXX  XXXX XXXX and opened a bank account with Capital One a few days ago. My son made three  deposits into my account through XXXX ( {$1.00}, {$500.00}, and {$500.00} ). Shortly after, I received an email stating that my account had been restricted, and I was unable to withdraw any money. 

I contacted customer service to resolve the issue, but they informed me that I would need to visit a nearby branch to unlock the account. The problem is that there are no Capital One branches nearby in North Carolinathe closest one is in XXXX, which is at least a three-hour drive from me. Despite explaining this, they did not provide any alternative solutions to unlock my account. 

This feels like a trap. They encouraged me to open an account, only to freeze it without a valid reason, and now they're asking me to drive several hours to resolve the situation. This is completely unreasonable and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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 XXXXXXXX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
By XXXX XXXX XXXX agent, on behalf of the principal XXXX XXXX demand immediate action regarding the unlawful and egregious closure of my credit card account by Bank of America. This closure is not only a gross breach of contract but also a flagrant violation of federal law. Bank of America has not only ignored its legal obligations but has also disregarded the securities and tender of payment that were provided as full settlement for the account balance. 

Under the Uniform Commercial Code ( UCC ) 3-603 ( b ), the debt was discharged the moment the bank received and accepted the tender of payment, which was indisputably acknowledged by Bank of America . Their subsequent refusal to credit the account and discharge the balance constitutes fraud and an unconscionable breach of fiduciary duty. 

Furthermore, my Durable Power of Attorney ( POA ) was sent to revoke any authority Bank of America has over my account, not to give them any further power. The banks failure to recognize this document shows a deliberate and malicious attempt to defraud the principal, adding to their already reckless behavior. In accordance with 12 U.S. Code 1813 ( l ) and 31 U.S. Code 5118 ( b ), the bank has an obligation to credit my account and discharge any balance once legal tender is accepted. 

This isnt merely a clerical oversightthis is wilful negligence. The bank 's continued refusal to address the matter or respond to my communications, including my certified conditional acceptance affidavit sent in XX/XX/XXXX, adds to the gravity of this breach. The Truth in Lending Act ( TILA ) under 15 U.S. Code 1635 demands accurate management of accounts, and Bank of America has failed to comply with these basic legal principles. 

In light of this misconduct, I refer to case law such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which solidifies that this refusal to credit accounts after accepting legal tender is a breach of contract. These actions will not go unanswered.

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 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
I received a text message saying i was approved for a loan with Avant with a documemt to sign but i didn't sign it XXXX when i did think about signing it the link had expired i talk to avant and they said they didnt send me anything the document had there name on it with the amount that was was approved for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I found mistakes on my credit report related to 15 USC 16c-2. The inquiries listed were unauthorized and are damaging my credit score. Please remove them immediately. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's 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 account SHALL be Corrected. 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 name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2024-10-17 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I was sent an email from StudentAid.gov dated XX/XX/XXXXXXXX  stating the student loan I have was being dismissed under borrowers defense and I no longer needed to make any payments on this student loan. I still have the original email. The loan was under forbearance when for some reason it fell off in XXXX of XXXX I think. All of a sudden they were asking me for payments which the government told me I didn't need to do. I have issued a complaint with Student Aid but all they do is refer it to XXXX. I have sent copies of my email to XXXX several times and all they tell me is they haven't received an official notice from Student Aid. Student Aid stated it may take three years to dismiss the loan. I'm XXXX XXXXXXXX  living off Social Security so this is a lot of money that they state I'm delinquent on to credit bureaus. Please let me know what I should do? It has me in XXXX  attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: WI

Complaint narrative:
Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-17 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft by a former friend and because of this I have debts on my credit report that do not belong to me. I've disputed this from my credit reports several times and even with the loan company for years and it still remains. I don't know what else to do and why they keep this on my record without validating their information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: AL

Complaint narrative:
I have been a victim of identity theft, which has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted all three credit bureaus regarding these late payments, and they have all sent back letters stating that the account has been verified. I have had each of these accounts for some time now and I do not understand how they are reporting these late payments suddenly. 
Due to the law that the FCRA has put into place such as 15 U.S. Code 1666b ( TILA ) : A creditor can not treat a payment as late if it was made by the due date. 
15 U.S. Code 1681e ( b ) and 1681s-2 ( FCRA ) : These sections require that only accurate information is reported to credit bureaus and that errors are corrected. 
These laws work together to ensure that late payments are only reported if they are legitimate and that any errors in reporting are corrected promptly. 

I was never late, I am not sure if they had some type of system failure or what

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 2024-10-17 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: NH

Complaint narrative:
Second Dispute of Unauthorized Late Payment Reporting for XXXX XXXX  Account ( # XXXX Dear Equifax, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute with Equifax ( Confirmation numberXXXX ) regarding one late payment recorded for XX/XX/XXXX, which I can confirm it was paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of " UPDATED '' is unsatisfactory and a clear failure to comply with my lawful request. In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. The tracking number PROVING that each periodic statement was delivered to me at least 21 days before the respective payment due date. As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. Equifax has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( XXXX XXXXXXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as TWO separate accounts on XXXX ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on Experian, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -XXXX XXXX XXXX  acct # XXXX. XXXX XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX  acct # XXXX. and XXXX acct # XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There is a charge from " XXXX XXXX '' from XX/XX/year> for {$170.00} on my Bank of America card. I never made a purchase from them. No one in my family or any other users of my card did either. 

My card was promptly blocked by BoA for suspicious activity. ( They recognized it was likely fraud!! ) The card was canceled and new card issued. We filed the fraud claim and assumed it would be routine since it was obvious. 

The claim was rejected around XX/XX/XXXX because the " charge was made using one of my verified devices like a phone or tablet ''. 

I finally got a hold of someone after spending a long time on hold and they could not tell me what " Charge was made using one of my verified devices '' meant. I confirmed I didn't make the payment and asked what the order was for and where they were sent. They gave me a general location and name and it was completely unrecognizable and they rep said they could resubmit since I confirmed. 

It was declined again around XX/XX/XXXX. No further info was ever given. I re-requested all info ( like name of who order, shipping address, how the charge was made, and again they didn't provide anything. They said they would mail, and only sent me generic info. 

I requested order ID info so I could contact the vendor since they wouldn't and they didn't provide it. I requested it be reopened again. 

It was declined again with the same generic form letter on XX/XX/XXXX. 

The day before the fraudulent charge, I did stay at a hotel I made through XXXX. When I checked in there, they did have my reservation paperwork with my credit card info hand written on the paper. I do not know if that is related, but it's highly suspicious. I had informed Bank of America of this. 

Bank of America has a " {$0.00} Liability Guarantee '' and they shouldn't be allowed to claim this if they don't honor it... 

I am attaching the 3rd denial letter. All 3 were the same identical document.

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 monetary relief