vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Once again CAPITAL ONE AND XXXX XXXX will not listen to you ConsumerFinance. They literally say they can charge me these astronomical late fees which is XXXX XXXX  on XXXX XXXX credit card ending in XXXX and my balance is XXXX. The late fee happened XX/XX/year> Now the capital one is ridiculous they hit me with a crazy XXXX dollar fee on XX/XX/year>. Capital One is so rude they refuse to lower it to XXXX dollars or take the late fee off even if it is my first time. They are a disgusting company. My capital one card ends in XXXX and my name XXXX XXXX balance XXXX. 

These late fees make life so hard and I am going through health issues and I literally have no job right now. These companies are so mean they dont care. Also XXXX  XXXX is charging me over XXXX XXXX  for credit protection and they said they wouldnt charge late fees if I signed up for this and I also would be forgiven for a missed payment and it is all lies. My credit protection cost XXXX a month and it does nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a follow up to XXXX # XXXX and XXXX. 

My apologies for opening another case regarding the same matter referenced above. But I received this email today and I believe this is the pattern of communication which will eventually reach the XXXX XXXX XXXX Department. 

If I do not respond by their XX/XX/XXXX deadline, they will automatically write up the levy and the XXXX XXXX XXXX Department will then automatically execute the levy to garnish my account, no questions asked. 

Please follow up to prevent this from happening again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
I had a loan/lease agreement formally with CIT Bank , now First Citizens Bank . The vehicle was determined to be a total loss in an accident in XX/XX/2024. Myself and the insurance company, Federated Insurance, have made numerous attempts by phone ( waiting on hold hours ), emailing and faxing with no response regarding our request for a Letter of Guarantee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 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: GA

Complaint narrative:
My account with Equifax was 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 XXXX XXXX XXXX. 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 to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My XXXX XXXX XXXX XXXX with XXXX was XXXX scamed. She went to XXXX to purchase XXXX gift cards in the amount of {$300.00} each on XXXX XXXX @ XXXX because she was told her power was going to be turned off if she didn't but that she would get the {$900.00} back after they converted her over to XXXX XXXX ( which is a beverage drink ). She used her XXXX 's XXXX credit card. I called Barclay 's bank within the hour of that occurring and explained the scam to them and my XXXX 's condition. They refused to cancel the transactions because she physically went down to XXXX and made the purchase. I think it is a disgrace that they refused to cancel the transaction and therefore they allowed this scam to play out and my XXXX is now out - {$900.00} and the scammers are ahead + {$900.00}. XXXX that? She used an XXXX credit card of all things to purchase those gift cards!! XXXX is all about the seniors and their rights and protection, seniors are their bread and butter. There was NO protection for my XXXX that day. I'm sure plenty of other seniors are using their XXXX credit cards from XXXX 's to buy these gift cards when they are scammed. Why isn't XXXX doing more to protect the seniors? Why didn't they cancel that transaction to stop that scam? Are they mandated to report elderly financial abuse?

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 2024-09-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information regarding the CCB/XXXX  account XXXX account number XXXX, that is being reported on my credit report. This account is marked as a charge-off with a {$0.00} balance, yet it remains listed as derogatory. Furthermore, the account details show inconsistencies in the dates reported across the credit bureaus. 

I have already communicated with Comenity Capital Bank, the creditor for this account, to address these discrepancies. However, their response was that they are reporting the account accurately and they would not remove the charge-off or update the account. Despite this response, I am sure the reporting contains significant errors that are not in compliance with 15 U.S. Code 1681s2, which mandates that furnishers of information must report data accurately and consistently.

The issues with the reporting are as follows : The account is marked with a {$0.00} balance but is still listed as a charge-off, which is misleading and not reflective of the current status. 
The Date of Last Activity is reported as XX/XX/XXXX, while the Date Reported is XX/XX/XXXX, and the Date Closed is listed as XX/XX/XXXX. These inconsistencies negatively affect my credit standing. 
The late payment dates are not consistent and are not inaccurately reflected, and I request that you ensure that the payment history, including all late payment dates, is correct and consistent. 

Please note, I have asked for this information but have not received it from Comenity. I have attached their reponse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells fargos denied my XXXX  claim of XXXXXXXX XXXX  the claim number is XXXX They never asked for my evedince XXXX  admited to not delevering my order they did not properly investagate this i can prove they never delevered my food l. 
attached proof of XXXX  admiting to not delevering my food

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 2024-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NV

Complaint narrative:
We took out a loan on XX/XX/XXXX to purchase a pivot for our farm from XXXX XXXX. They used Huntington Bank, who first took a lien on the property the pivot is on as collateral ( fine ), but also took a lien out on a neighboring property not associated with the farm for no reason. 

On XX/XX/XXXX we requested a payoff amount as of XX/XX/XXXX. They sent us an email stating {$150000.00}. We paid {$130000.00} for the pivot. Our interest rate is 7.25 % per the contract, which also breaks out the principle & interest in the annual payments starting on XX/XX/XXXX. When we inquired about the finance charges being {$14000.00} for only 12 months, they couldn't explain the calculation. Then on XX/XX/XXXX, they sent us a payoff statement stating it was {$150000.00}. We asked again for a breakdown of the calculation for the updated finance charges of {$11000.00}. They refused again. 

I called the bank and asked to speak with the person that sent the payoff quote and I was told I wasn't allowed to. The customer service agent then told me we didn't have a loan, we had a lease and we don't have principal and interest payments, just finance charges, and there's no calculation for that. 

We were presented this purchase as a loan, we were given loan terms with principal and interest, how then can we now be in a lease not to our knowledge, and why is there is a lien on properties for a lease and not just the equipment? If this is true both the company that sold the equipment and the bank misrepresented this as a loan to us, and the fact that they can't provide an explanation and a calculation of finance charges is unacceptable. We want to payoff the loan but don't feel comfortable doing so when no one can explain anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MD

Complaint narrative:
I am writing to formally dispute the furnishing of my credit report and information, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. i have recently discovered that my credit report contains inquiries and/or information furnished without my prior consent.

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the condition that the consumer provides explicit written consent. i have not given such consent to Consumerinfo.com to access or furnish my credit report on XX/XX/2024 or any date. As such, this constitutes a violation of my rights under the FCRA. 

I request that the unauthorized inquiries and any related information be immediately removed from my credit report. Please provide me with a confirmation that this action has been taken within the legally mandated time frame. 

This unauthorized injury poses a risk to my personal and financial security, as it involved access to sensitive information. Consumerinfo.com willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes 15 U.S.C 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with FCRA, even if no actual damage occurs

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 2024-09-23 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: CA

Complaint narrative:
Lenders changed and I was never notified of the new lender being Loan XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.

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 2024-09-23 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: CA

Complaint narrative:
Lenders changed and I was never notified of the new lender being XXXX  XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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 was shocked to discover that inaccurate accounts suddenly appeared on my credit report this morning, and I have no clue how they got there. I checked my report, as I always do, but this time, out of nowhere, there were discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. I really need the documents I submitted to be thoroughly reviewed so I can stop worrying about this ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally requesting the removal of an eviction record associated with my name XXXX XXXX XXXX I believe this eviction is inaccurate and unjustified Under the Fair Credit Reporting Act I have the right to dispute any inaccuracies in my consumer report. I believe this eviction is erroneous for the following reasons eviction was reported for XXXX XXXX XXXX XXXX I lived at XXXX. 
I'm requesting a removal from my records

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