vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I fully paid my Bank Of America credit card account. On XX/XX/XXXX, Bank of America charged me {$170.00} interest on a fully paid account. By the way, I paid Bank Of America the amount they listed to pay the account balance. There was no option other than to pay the total account balance. 

I called and asked for that interest charge to be removed and was told that they would respond in a couple of days. On XX/XX/XXXX, I was sent an email saying the request was denied. No reason was given, other than saying the decision was final. 

I feel it is pretty rotten of a company to charge me {$170.00} on a FULLY PAID account and then not even bother to give me a valid reason why the request was denied. 

I've been a Bank of America customer for over 10 years and this really frustrates 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 explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I am writing to formally request the removal of a late payment entry associated with my accounts XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2024-11-26 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: FL

Complaint narrative:
I am writing to formally request the removal of a late payment entry associated with my accounts XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items were added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$730.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items were added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$730.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
IN XXXX I RETAINED A LAWYER FOR CHAPTER XXXX BANKRUPCTY. HE SENT LITIGATIONS FORMS TO EACH AND EVERY CREDITOR ON MY CREDIT REPORT. LAWYER ADVISED ME TO STOP MAKING ANY AND ALL PAYMENTS IMMEDIATELY, NO MATTER HOW SMALL THE PAYMENTS MAY BE TO SOME COMPANIES B/C IT NEEDS TO BE A FAIR ACT ACROSS ALL CREDITORS AND NO ONE CAN BE PAID ABOVE ANY OTHER. I LOGGED INTO CAPITAL ONE BANK AND REMOVED MY AUTO PAY INSTRUCTIONS AS WELL AS THE BANKING INFORMATION ON FILE SUCH AS MY CHECKING ACCOUNT NUMBER, ROUTING NUMBER AND DEBIT CARD LINKED TO MY CHECKING ACCOUNT AT XXXX. SOMEHOW CAPITAL ONE PULLED A PAYMENT XXXX MONTHS LATER, I DECIDED IT WAS NOT WORTH MY STRESS FOR XXXX PAYMENT AND SAID NOTHING. THAN ANOTHER XXXX MONTHS, XX/XX/year> AND I SEE A PAYMENT REMOVED AGAIN FROM MY XXXX XXXX THAT I DID NOT AUTHORIZE. I WENT INTO THEIR MOBILE APP AND CONFIRMED FROM THE PREVIOUS INCIDENT ALL MY BANKING INFO WAS REMOVED FOR PAYMENTS AND THOSE REVOKED, I ALSO CHECKED THIS AGAIN XX/XX/year>, I CALLED CAPITAL ONE XX/XX/year> TO ASK THEM WHO INITIATED THIS, TO REQUEST A REFUND, AND EXPLAINT THE SEVERITY OF THIS SITUATION. THE REPRESENTATIVE NAME AV EXPLAINED THERE IS NOTHING THEY CAN DO TO GIVE ME A REFUND, NOTHING HE CAN PROVIDE ME AS FAR AS INFORMATION AND BASICALLY WISHED ME ALL THE BEST. THEY HAVE VIOLATED MY WISHES TWICE NOW AND WITHDRAWN MONEY FROM MY CHECKING AFTER REVOKING SUCH AUTHORIZATIONS. I FEEL COMPLETELY VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered this afternoon that my credit report contains unauthorized inquiries, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I am deeply frustrated and urge you to carefully review the documents Ive provided so that I can finally stop worrying about this issue.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My account with XXXX EXPERIAN 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. 


XXXX EXPERIAN 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-26 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: FL

Complaint narrative:
I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2024-11-26 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: FL

Complaint narrative:
I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submitted a dispute to Chase Bank regarding an ACH transaction processed on XX/XX/year>, in the amount of {$100.00}. This transaction was unauthorized and does not meet the terms of my authorization, as the services or goods were not received. I requested an investigation under Regulation XXXX and confirmation of any provisional credit applied to my account, as required by law. However, Chase denied my dispute without conducting a proper investigation and directed me to resolve the issue with the merchant, contrary to their obligations under Regulation XXXX. 

I believe Chase failed to fulfill their responsibilities under federal law to investigate the disputed transaction and issue provisional credit while the investigation was ongoing. I am seeking assistance from the CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 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: MI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} N/A Account number XXXX Date opened XX/XX/XXXX Balance {$580.00} TRANSUNIONXXXX 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