vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: OH

Complaint narrative:
My accounts 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 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 to be removed/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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!

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 2024-10-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For the past ten years, I have been working to resolve credit reporting issues with Wells Fargo that have caused my credit score to plummet from XXXX to XXXX, impacting my purchasing power. Additionally, their misrepresentation and predatory practices in mortgage loan documents have led to over {$200000.00} in prepayment penalties. 

In XXXX of 2024 I sent an inquiry to Wells Fargo regarding the accuracy of information on my credit report for account number XXXX which I didnt have, and has been on my credit report for ten years.

In response to my inquiry, Wells Fargo sent a credit dispute letter with ID # XXXX, indicating they were unable to locate the account and needed further information.

I made a follow-up call to Wells Fargo 's credit card debt collection department and provided my Social Security number and birthdate to assist in locating the account on my credit report. 

The Wells Fargo agent was unable to locate the account linked to my credit report. He recommended that I contact the three credit bureaus to request its removal. I subsequently sent a letter to the credit reporting agencies asking them to remove WSBNA from my report. 

The three companies responded, indicating they could not remove the account, and that only Wells Fargo has the power to do so.

Wells Fargo is too large to be held accountable. Their fraudulent and predatory practices harm individuals and damage livelihoods.

This situation has certainly had a negative impact on my life, and all I can do is learn to live with it.

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 2024-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NV

Complaint narrative:
I was in the XXXX XXXX and a XXXX XXXX was done. XXXX XXXX did not bill my insurance correctly. I called and even though this was their mistake, they reported this XXXX $ bill to a reporting company called PlusFour. I proceeded to contact Plusfour and was told even though this was not only an obvious mistake, it also falls under the federal no surprises act. Plus four informed me it would cost me {$300.00} for them to dispute this on my behalf. They are very fraudulent. They know this is a bogus charge but won't take it off my credit report unless I pay them to do so.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate late payments reported on my Experian credit report. The late payments associated with the account ( XXXX ) listed below are incorrect and negatively impacting my credit score. 

Details of Disputed Information : Creditor/Account Name : XXXX XXXX Account Number : XXXX Creditor/Account Name : XXXX XXXX Account Number : XXXX FCRA - Right to Dispute Inaccurate Information ( 15 U.S.C. 1681i ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

According to the FCRA, you are required to : Conduct a reasonable investigation of my dispute, including contacting the creditor to verify the accuracy of the late payments reported. 

If the information can not be verified, the inaccurate information must be removed or corrected on my credit report. 

Notify me of the results of your investigation within 30 days of receipt of this dispute. 
Provide me with a new, corrected copy of my credit report once the investigation is complete. 

Please update my credit report to reflect the correct payment history or remove the erroneous late payment entries. Failure to do so will result in my escalation of this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies under the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response and the removal of this inaccurate information. 

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited checks in person at Chase Bank and they placed holds on both checks. I deposited on Saturday XX/XX/XXXX. Today is XX/XX/XXXX. 

The wage related check was from the same employer payroll account, which was direct deposited into my Chase account from XX/XX/XXXX - XX/XX/XXXX and I pointed this out to Chase. 

The non-wage check is drawn on the former employers XXXX XXXX business account for XXXX XXXX XXXX. 

[ Chase released my wifes settlement checks from same employer after 2 days and she deposited hers the afternoon prior. ]. 

Deposited : Check from previous employer for back wages. Check XXXX in amount of {$17000.00}. Date of check XX/XX/XXXX. Check was cut by the XXXX XXXX in XXXX XXXX, CA, representing former employer. 

XXXX XXXX check on behalf of their client ( my former employer ) as settlement of non-wage related claims. Check XXXX, in the amount of {$31000.00}. Check dated XX/XX/XXXX. 

I have made numerous calls to Chase Bank, only to get the run around. I want the release of my checks ASAP and daily interest paid by Chase Bank to me for everyday they hold my funds. 

Again, they released my wifes XXXX checks from same employer after 2 days. They continue to hold mine. my wife is XXXX  and I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX, XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
On XX/XX/year>, my vehicle became a total loss, and I submitted a claim through my GAP provider, XXXX ( also known as XXXX  ), as per the terms of my financing agreement with Honda Financial. Unfortunately, XXXX failed to meet the required payment obligations. They claimed my insurance company had undervalued my vehicle, which left an outstanding balance of {$5900.00} that was charged off on my credit report.

I attempted to resolve the issue by appealing XXXX XXXX decision multiple times via email on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, I was unable to get this resolved, and the claim remained unsettled.

In addition to this, I was charged {$1200.00} for GAP coverage under my contract with Honda Financial, which I find excessive considering XXXX failure to resolve the issue in a timely manner. 

On XX/XX/year>, I contacted XXXX XXXX ( my dealer ) to escalate the issue, as it was severely impacting my credit and personal life. On XX/XX/year>, XXXX, the manager at XXXX XXXX, informed me that GAP would cover more of the loan. However, it took eight months for XXXX to finally pay an additional {$3700.00}. By that time, the damage to my credit and financial situation had already occurred.

I request that this account be removed from my credit report, as the outstanding balance was due to the failure of my GAP provider, and I made every effort to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
XXXX Acct # XXXX company reporting as open account. 
XXXX Acct # XXXX company reporting as open accounts. 
Experian reporting these collections open account which is not under FCRA compliance. This is inaccurate reporting and needs to removed 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 2024-10-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I took out a loan for XXXX dollars and I have paid over XXXX. The APR is 59 % which should not be in compliance with any state or federal laws. This company is being sued for going over the interest cap in several states. I was living in the state of Georgia at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
This is causing me undue stress, XXXX  and sleepless nights, as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. This accounts transaction and charges are fraudulent, I never benefited from any of these transactions, but rather it did a lot of damage to me. I filed an FTC report as I was instructed and sent it in but these fraudulent items still remain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint after noticing inaccurate information on my credit report.

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