vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I made a payment of XXXX to pay off my card, it was cleared through the bank on XXXX and has not been credited to my account. I have called XXXX times trying to get this resolved and all they do is transfer me multiple times and then hang up on 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 monetary relief
Consumer complaint received 2024-10-04 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 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 2024-10-04 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: IN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have received two letters on XXXX XXXX regarding the closure of my wells fargo checking. I have been a wells fargo customer for many years and I dont think I have done anything that is at issue. I have many services associated with this bank account for payment. Closing these accounts will negatively affect me very much. I tried to call wells fargo customer service and the only reason i got is that determined by the risk factors they decided to close my account. I would rather have a process for resolution or appeal of the decision. It is unreasonable to cause such inconvenience to a long term customer

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 2024-10-04 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the XXXX pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by XXXXrelated hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact 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 2024-10-04 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:
I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the XXXX pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by XXXX hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: VW Credit
State: MI

Complaint narrative:
Subject : Request to Remove Inaccurate Late Payment from Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint to dispute an inaccurate late payment reported on my credit report by VW Credit. This information is incorrect, and I am requesting its removal based on the following : XXXX. Inaccurate Late Payment Reporting : The late payment reported by VW Credit is incorrect. The account is current, and the delay reported was caused by an issue outside of my control, such as a system error or mail delay. 
XXXX. Fair Credit Reporting Act ( FCRA ) Violation : According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), credit reporting agencies and furnishers of information ( such as creditors ) are required to conduct a reasonable investigation of disputed items. Under this law, they must ensure that only accurate and verifiable information remains on consumer credit reports.

Inaccurate information must be removed or corrected within a reasonable time. Therefore, I am formally requesting that this inaccurate late payment be removed in compliance with the FCRA. 
XXXX. Proof of On Contact : Despite contacting VW Credit, the incorrect information remains on my credit report. 
XXXX. Negative Impact on Credit : This erroneous late payment is unjustly harming my credit score. I have a long history of responsible financial behavior with many creditors including VW Credit and have consistently paid my bills on time. This is not a reflection of Given the FCRAs mandate to report only accurate information, I kindly request that this late payment be removed from my credit report.

Attachments : Previous correspondence with the creditor, and certified mail copy.

Thank you for your assistance in investigating and resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
On XX/XX/24 I recieved a written letter from Linebarger, Goggin, Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX in attempt to collect a debt in the amount of {$55.00} on behalf of FL DOT/XXXX XXXX It references a date of debt acquired as XX/XX/24, however, the only paper toll invoice I have received to this date was referencing a due date of XX/XX/24 for {$110.00} with no late fees applied. I was in the hospital from XX/XX/24 to XX/XX/24 with XXXX XXXX XXXX XXXX XXXX and on XXXX I did verbally communicate this to XXXX customer service via phone. I also let them know I was getting paid on the XXXX, and on XX/XX/24 I paid a total of {$210.00} for the current balance due plus any future unbilled tolls that had not yet been sent out in a paper invoice per the XXXX acount. There was no late fees assessed and no mention at any time of threat of collections. Today, XX/XX/24, upon receiving this notice of collections, my XXXX acount reflects a future due amount of {$34.00} with no late fees, and a statement for this future due amount has not yet been received. I have attempted to reach out by phone three times today to this third party debt collector, in an attempt to notify them they are trying to collect on a already paid bill. The line rings out with an error tone unable to reach caller recheck number and try again XXXX ( XXXX ) XXXX is what is listed on their collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ADP Inc.
State: TX

Complaint narrative:
Wisely by adp wont let me have access to my money. I have called them multiple times and they basically are not letting me pull my money out of my account so I can pay my rent. Every day Im late is {$100.00}. I requested a new card so I could have access the account but its been over three weeks and I have yet to receive the card and even though this account has a routing and account number they still are not letting me have access to the account without a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this.

I want these negative items deleted.

Documents are attached.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

I want answers asap on these negative accounts. You have had ample time to investigate these accounts and provide me with a response and you have failed to do this. 

I want these negative items deleted. 

Documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year> I opened an XXXX XXXX Business Checking account for my XXXX XXXX. 
I wrote a check from my personal Wells Fargo account to my XXXX business of {$8000.00}. I deposited the check, the money left my WF account, then got to my XXXX business after a week on XX/XX/XXXX. 
2 days later the money bounced back out of my XXXX business ( the XXXX representative informed me that they were missing some authorization from WF ), but never made it back to my personal WF account.

I opened a claim with WF ( the claim i over the period of 120 days and they can not find my money ). 
XXXX says the money actually never made it to my business account. 
WF says they can not get in touch with XXXX even though there is a claim in action. WF sent 3 letters to get in contact with XXXX, but XXXX  says they never received any form of communication from WF. 
The claim was to close on XX/XX/scrub>XXXX XXXX XXXX but has just been extended indefinitely. 
Of course I have been in contact with WF constantly but they can not give me a proper answer on how theyre handling this claim/investigation.

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
Consumer complaint received 2024-10-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year and ability to obtain new credit to purchase a home.

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 2024-10-04 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: CT

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Interest deducted from a " principal '' payment. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I have a Visa Vanilla gift card with a balance of {$50.00}, I tried to use said card on XXXX XXXX XXXX, It will not work as it says the card was expired. The website says cards will not expire, I tried calling and was not able to sort it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

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 2024-10-04 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: IL

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

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 2024-10-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief