vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: DE

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 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 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, emailed me stating that the payment is now adjusted to {$1800.00} with the escrow removed. 

On XXXX XXXX, I paid {$1800.00}, which is the amount due as indicated on the XXXX XXXX, XXXX statement ( attached ). 

On XXXX XXXX XXXX from XXXX emailed me and my insurance company stating that the payment of {$1200.00} was made on XX/XX/XXXX. The homeowners insurance policy is active and paid in full for the XXXX term. No payment was requested from CrossCountry Mortgage due to the policy is paid in full ( see attached email and proof of payment ). 

On XX/XX/XXXX, my husband emailed XXXX XXXX, XXXX XXXX, after I had received an Annual Escrow Account Disclosure Statement, dated XXXX XXXX, XXXX indicating that escrow had been reinstated to the account. 

On XXXX XXXX, XXXX XXXX XXXX emailed me stating that CrossCountry Mortgage was sent an insurance invoice to be paid from escrow and that he will have this removed again and make sure it is not added back On XXXX XXXX, I received a phone call from CrossCountry Mortgage ( CCM ) in the evening, that my mortgage is past due. I reviewed my account information on CrossCountry Mortgage 's website and found the following : The XXXX XXXX, XXXX statement still shows that the Escrow account hasnt been removed. However, the amount I paid {$1800.00} on XX/XX/XXXX, which is the amount due as indicated on the XXXX XXXX, XXXX statement as is now showing on the CCMs website as unapplied funds ( see attached screenshot ). Again, this was incorrectly added back by CCM. And there is now a late payment fee of {$54.00} shown. This same statement now shows : Overdue payment of {$3100.00}, Total Amount Due of {$6400.00} by XX/XX/XXXX, or {$6400.00} by XX/XX/XXXX. All incorrect due to the Escrow Account issue previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 


Account Name : XXXX XXXX XXXX XXXX  Has different account numbers, Incorrectly reported as late, incorrect date of last payment, different payment histories and multiple creditors with different names and addresses This item must be deleted from my report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have attached documents with highlighted inaccuracies to validate my dispute.

Sincerely yours,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX : XXXX XXXX XXXX and the company XXXX XXXX Florida XXXX made inquiries on XX/XX/year> that I do not recognize. 
TransUnion : XXXX XXXX XXXX and the company XXXX XXXX Florida XXXX made inquiries on XX/XX/year> that I do not recognize.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Our mail carrier was robbed and mail was stolen. The creditor said a letter was sent for me to sign so that I could identify myself. I never got the letter. I explained to them I didnt get it and was told once the account is closed they cant reopen it. The creditor also closed it right after I paid the balance off causing an impact to my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
recently opened an account with TD Bank, XXXX  XX/XX/XXXX and the clerk reassured me that I would have access to my funds as early as XXXX business days after my deposit cleared. The funds cleared Monday, XX/XX/XXXX and I was recently advised that they would not be available to me until XX/XX/XXXX. This company FAILED to inform me that as a new customer, they would hold any deposits for a period of XXXX business days, if the CLERK informed me of this and not withheld this information I would have made a better decision to bank with a local community or credit union. These were payroll checks, it is XXXX and now I am stuck in a position, where I can not go food shopping, get gas, pay my mortgage, feed my animals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} Cainer Weiner ( XXXX  ) XXXX  {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$570.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX7.00} XXXX XXXX ACCT # XXXX {$790.00} XXXX XXXX XXXX  # XXXX {$470.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} ALL OF THESE COMPANIES ABOVE HAVE FALSELY TRIED TO GET MONEY OUT OF ME FOR THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX XXXX ) XXXX  {$450.00} XXXX XXXX XXXX XXXX XXXX  ) acct # XXXX {$570.00} XXXX XXXX ( XXXXXXXX XXXX ) acct # XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX {$270.00} Kikoff lending acct # XXXX {$7.00} XXXXXXXX XXXX XXXX  # XXXX {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} ALL OF THESE COMPANIES ABOVE HAVE FALSELY TRIED TO GET MONEY OUT OF ME FOR THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Paid only the minimum payment on XXXX XXXX and was charged interest fairly. 

Next month i paid the FULL balance that was due, before the due date, but was charged interest AGAIN. 

After calling Amex XXXX, they claim it's called Trailing Interest, meaning even though I paid the FULL balance showing due, there's still the interest amount from the previous month that needs to be paid SEPERATLY. and since that wasn't paid now, they are charging a new interest fee for it. 

Being a customer for 14 years, this is totally NEW to me. even if they claim this info is written on the statement.. The fact that it is not clarified on the website at the payment section is unacceptable and deceiving. 

i will never trust this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I received a bill in regards to medical debt I owed for {$6300.00} by the bill collectors of the Company of BCA Financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am the party contractually bound to pay off this debt or stop collection activity and remove it altogether. Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company.

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 2024-12-24 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: NJ

Complaint narrative:
Experian : XXXX XXXX XXXX and the company XXXX XXXXXXXX XXXX XXXX  made inquiries on XX/XX/year> that I do not recognize. 
XXXX : XXXX XXXX XXXX and the company XXXX XXXXXXXX XXXX XXXXXXXX made inquiries on XX/XX/year> that I do not recognize.

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 2024-12-24 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: FL

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo emailed me an offer with a specific coupon code to anyone who deposits a certain amount of money, a {$2500.00} bonus after 120 days of the deposit. The first time I applied, I had to beg and call at least XXXX times to several people. They said I did not qualify because I did not bring new money to open the account. But, I had and when I presented them with proof, they finally paid the bonus. 
XXXX months later, they sent me the same bonus offer with a specific code, so I went ahead and opened an account with new money from another institution. I brought the email with the code to the bank. The banker looked at it and said, yes, you do qualify. Then sure enough, after the 120 days of them having my money, they are telling me again that they are not paying me. They said that we already took advantage of this offer less then a year ago. Well, then, why did they send me this bonus offer saying that I qualified? Also, upon looking at the interest they were supposed to be paying, it was wrong. 
In my opinion, Wells Fargo will try to do anything they can to get people to bring new money and then turn around and make up any excuse not to pay. I feel this is a true XXXX 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 monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} XXXXXXXX XXXX XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-12-24 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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