vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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! 

Delete 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 2024-06-20 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: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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! 

Delete 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 explanation
Consumer complaint received 2024-06-20 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have contacted the creditors & they have no proof I initiated the following inquiries, no written authorization & have failed to proved permissible purpose. They do not have my authorization, written nor verbal. Therefore, I am asking you to DELETE these inquiries as there is no evidence of my authorization, nor permissible purpose. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 USC Section 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following reasons and no other ( F ) otherwise has a legitimate business need for the info in connection with a business transaction initiated by the consumer 1 ) OneMain Financial, XXXX ) XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/2023, I made the mistake of falling for a fraudulent job offer that was a XXXX XXXX job within my XXXX emails. In my " job, '' I was to use my bank account to deposit fake checks and send them to various accounts through XXXX. Once I realized my error, TD Bank froze my checking account due to fraudulent activities and bounced checks, which had stolen around {$600.00} to {$750.00} from me. TD Bank did not give me any chances to explain my situation and had me pay back the bank around $ XXXX, which I had done once I could. After I had paid back the bank, my account was fully closed. The problem begins from there. After paying around {$1000.00} with the support of my parents due to being a XXXX XXXX XXXX at XXXX XXXX XXXX, I was allowed to open new accounts and continue my relationship with TD Bank. I opened two new accounts around XXXX, a checking account and a savings account, with the bank teller despite him seeing a warning code. Regardless, my new accounts were set up successfully, with the exception of me being able to use online banking, which I was told I could sign up for after a few weeks of using my new accounts. I waited a month or so and had no problems using my accounts for anything but online banking. My transactions went through flawlessly, and no calls or warnings were made. I stayed within what I could afford and saved as I was still XXXX XXXX XXXX 
After waiting for some reasonable time since my checks kept coming in, I decided to head into the TD Branch to resolve my online banking issue, but I could not work through it. From there, my teller contacted another team by call and informed me that he would call for any updates regarding my online banking. The following day, I tried to make a purchase multiple times, and it did not go through, so I walked into my local branch the next day and met with my teller to be informed they had closed my account without giving me a reason. My account was working just fine before I went in to fix my online banking, and if it were due to my being a fraud victim on my previous account, then my relationship with TD Bank should have ended immediately. Instead, I was issued a new account for it to be closed after four months, which makes my XXXX XXXX XXXX score XXXX, which blocks me from many banks, including XXXX XXXX. I am being barred from banks due to TD Banks ' miscommunication. I have been facing trouble banking due to my mistakes as an XXXX, which I longed paid for, but also due to TD Bank falsely allowing me new accounts to be closed without any given warning or reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-20 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate information on my credit report due to identity theft. According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving the dispute. It has been 30 days since I initially reported this issue, and you are now in violation of this law. 

Please delete the following accounts immediately as they should not be reported on my consumer report : XXXX, XXXX, XXXX Accounts WELLS FARGO AUTO Account XXXX Date open : XX/XX/XXXX ( please remove immediately ) XXXX XXXXXXXX Account number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer. 

As a consumer, I am demanding the immediate deletion of the accounts listed above. 

Please send me a confirmation of receipt of this letter and notification of the outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the
information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

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 2024-06-20 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: MI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/year> : I purchased a XXXX XXXX from XXXX and used Citizens Pay for the payment method of {$3100.00}. 

XX/XX/year> : Auto Paid my first payment to Citizens Pay for {$95.00} on the due date. 

XX/XX/year> : I received an interest charge on my account for {$13.00} on my purchase. 

XX/XX/year> : I returned my XXXX to XXXX, and they refunded my Citizens Pay account for {$3100.00}, it showed it in my Citizens Pay activity timeline. 

XX/XX/XXXX - XX/XX/year> : I had used Citizens Pay live chat multiple times as my account wasn't closed, I wasn't refunded my payment from XX/XX/XXXX, and I had Autopay enabled and couldn't turn it off. I was assured I would not get charged, and I would get a check in the mail. 

XX/XX/year> : I received a direct deposit from Citizens for {$82.00} ( my payment, minus the interest ). 

At this point, I had assumed everything was done. 

XX/XX/year> : Received an email from Citizens Pay saying I have a balance due, when I logged into my account, these are the new items that were not in my timeline : XX/XX/year> : Late fee of {$8.00} ( even though I Auto Paid on the due date, and that wasn't on my activity feed prior to XX/XX/XXXX ). 
XX/XX/year> : XXXX XXXX of XXXX ( wasn't on my feed prior to XX/XX/XXXX ). 
XX/XX/year> : Payment of {$82.00} ( this the refund ; however, I have the bank account statement to prove it wasn't paid until a month later than that, this didn't show up until after XX/XX/XXXX ). 
XX/XX/year> : Late fee of {$8.00} ( this would be nearly a month after the return of the XXXX, and XXXX days after I received a refund on my account ). 
XX/XX/year> : Interest charge of XXXX ( once again, after all returns, refunds, etc. had been squared away. 

Where I sit now is the following : - Citzens owes me {$13.00} for the interest. 
- XXXX needs to drop the {$16.00} balance of fake late fees and Finance Charges. 
- XXXX needs to close my account, since the transaction ended in XXXX. 

I reached out again today to Citizens, spoke on their Live Chat, the rep, XXXX 's exact words were : " Please call in at XXXX and ask for a supervisor I will notate the account for my supervisor to know, Sorry about this situation, they can square away the situation much more then I can, If I were to rebate and add a refund you will probably wait the same amount of time, Please call in thats the fastest way to do this, I will document the account '' I called that number, and it's for a different product, and they gave me the number of the Citizens Pay. After I spoke with them, they said they submitted a XXXX XXXX ( yet couldn't provide a date of resolution, estimation, or even a Ticket/Reference Number ). 

I am in the process of buying a house and now a line of credit shows two late payments, this has been extremely frustrating, and absolutely shows you should not trust Citizens technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I put my taxes on paypal credit ... The amount was {$4500.00} ... I continued to make payments on it and was just hit with a 29 % interest charge {$710.00} ... I called and they said the promotion period was over and that's the interest rate. They are misleading and predatory and I want to dispute this charge. When I called they said can't waive or adjust it and that it was in T & C 's when I opened account. They don't advertise this and it's an absolutely ridiculous charge. They would not work with me on any solution.

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 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX using Sendwave I attempted to send money for family support to my sister. I have been doing this for about a year without a problem. It usually arrives in a matter of minutes. 

This time she never received it. We reached out to Sendwave on at least three separate occasions to solve the problem. Although I do not have dates I do have the names of people that I spoke to XXXX, XXXX and XXXX. The reference number is # XXXX. The confirmation number of the transaction is XXXX. 

I requested a reversal of the transaction and an investigation. I provided them with a statement of activity from my sister 's account proving that she did not receive the money on XX/XX/XXXX or anytime after that. Two of the customer service reps promised me that the issue would be resolved with either my sister receiving her money or the money returned to me. Neither happened. 

Today XX/XX/year> Sendwave sent me a " text '' stating they can not do anything further to get my money back. I am appalled that they are taking {$50.00} that was going to provide food for my sister who is a widow and has no means of support and keeping it!. I trusted them for over a year to send money to my family in need and this is how I am being treated. I am appalled. Surely they should not be able to get away with this.

Company response to consumer: Closed with monetary relief