vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX,, XXXX TD Bank USA/Target XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account, the number ending in XXXX ( I have also included my social security number and date of birth at the bottom of this letter ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, although a charge-off is a one-time event that occurred on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA.

I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA.

I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
I was charged XXXX times for recurring expenses, leading my account to XXXX. I then transferred over {$100.00}. Somehow, I was still charged for XXXX overdraft fees despite my account being positive. Wells Fargo refuses to do anything about 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8700.00} XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$20000.00} XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX {$650.00} XXXX XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX {$650.00} TRANSUNION***** XXXX, XXXXXXXX XXXX  XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

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

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8700.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$20000.00} XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX {$650.00} EQUIFAX****** XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the account listed below that has been reported on my credit file by XXXX XXXX XXXX. I have no record of authorizing this company to place a collection account on my credit file, nor am I aware of the original creditor associated with this debt. I request that this account be immediately deleted from my credit report due to the following violations of consumer protection laws. 

Account Information : Account Name : XXXX XXXX XXXX Original Creditor : ( Not listed on my credit report ) Account Number : Not listed on credit report Open Date : XX/XX/2024 Balance : {$960.00} Status : Open Collection Account Remarks : Placed for collection Key Issues : Unknown Debt Ownership : I do not know who the original creditor is for this debt. The credit report does not provide the name of the original creditor or any identifying information to help me confirm whether this debt is valid or if it belongs to me. The report only shows XXXX XXXX XXXX as the collector, with no information about the original creditor. I am entitled to receive a clear, valid, and detailed description of the debt, and XXXX XXXX XXXX has failed to provide this information. 
Failure to Provide Authorization : I have never given authorization to XXXX XXXX  XXXX or any other party to report this debt to the credit bureaus. This collection account has been placed on my credit report without my consent, and I have not received any communication or documentation supporting this collection activity. 
Failure to Validate Debt ( FDCPA Section 809 ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation request, but I have not received any proof that this debt is mine or that it is being collected by a legal entity. This lack of validation, along with no information on the original creditor, is a violation of my rights. 
Fair Credit Reporting Act ( FCRA ) Violations : Section 609 : I am entitled to request and receive documentation proving the validity of this debt. XXXX XXXX XXXX has not provided this validation, nor have they listed the original creditor, which makes the debt unverifiable and inaccurate on my credit file. 
Section 623 : As a furnisher of information, XXXX XXXX XXXX is required to report accurate and complete information. The failure to report the original creditor and failure to verify the debt makes the reported information inaccurate and incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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 was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: CO

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CO

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, Ive been struggling with Deposit my checks to any account. Ever since Ive been victim of identity theft and fraud occur to me. I havent been able to have any access to my accounts. Also, my bank accounts and business account have been closed. Not sure why, but they did let me know that I am a risk to the community to have a bank account. I am getting charged fees unauthorized payments have been made false checks through the mobile app, credit cards that have been open payday loans that I have been open. You could imagine what nightmare I have been dealing with. I dont know where to even cash my checks now. No bank well cash my checks or deposit to my account since my account have been closed. Not sure what to do anymore or what Im supposed to do. Been through a nasty divorce that ruined my credit. When things got separated, my ex spouse was awarded majority of the things that she was supposed to be removing my name from the vehicles, credit cards, etc.. 
She never did. She just kept laughing at me texting me stating I might pay the things or might not. Its not like it. Its under my name. I got left with companies calling me to pay since it was just under my name, not hers. Even with the court order, she didnt follow with the judge has signed. So Im in a hole that I dont know what to do. My social, my identity, my life is ruined. Its getting hard to pay my bills any transaction or anything. Banks have refused me to open any account. I have asked them if I can see what they see, they just tell me they cant. Its just that they cant do business with me. This is ridiculous. How people can be ruining peoples life not thinking how difficult it will be to fix everything Ive been through,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: WA

Complaint narrative:
Hello, Ive been struggling with Deposit my checks to any account. Ever since Ive been victim of identity theft and fraud occur to me. I havent been able to have any access to my accounts. Also, my bank accounts and business account have been closed. Not sure why, but they did let me know that I am a risk to the community to have a bank account. I am getting charged fees unauthorized payments have been made false checks through the mobile app, credit cards that have been open payday loans that I have been open. You could imagine what nightmare I have been dealing with. I dont know where to even cash my checks now. No bank well cash my checks or deposit to my account since my account have been closed. Not sure what to do anymore or what Im supposed to do. Been through a nasty divorce that ruined my credit. When things got separated, my ex spouse was awarded majority of the things that she was supposed to be removing my name from the vehicles, credit cards, etc.. 
She never did. She just kept laughing at me texting me stating I might pay the things or might not. Its not like it. Its under my name. I got left with companies calling me to pay since it was just under my name, not hers. Even with the court order, she didnt follow with the judge has signed. So Im in a hole that I dont know what to do. My social, my identity, my life is ruined. Its getting hard to pay my bills any transaction or anything. Banks have refused me to open any account. I have asked them if I can see what they see, they just tell me they cant. Its just that they cant do business with me. This is ridiculous. How people can be ruining peoples life not thinking how difficult it will be to fix everything Ive been through,

Company response to consumer: Closed with explanation