vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Your agency is in violation!

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. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : 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 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

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
The Debt Collection Company, Trans World Systems was trying to collect an alleged debt they stated that I owe from XXXX XXXX, in XXXX of 2023 for {$800.00} for a period of XXXX months, a utility that does not even service the area that I live in. TransWorld Sytems was served with a 30 day notice to Validate the debt via certified mail, and answer pertinent questions to factually Identify the debt as mine, but they have failed to do so statutorily, and are not in compliance with furnishing the information request within 30 days. They have negatively filed a collection account with the three credit bureaus and despite my consistent communication with them telephonically, and through the debt validation letter, they have refused to comply with my requests to validate the collection account and remove it according to the Fair Credit Reporting Act and the law governing this alleged transaction.

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

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( XXXX  XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's XXXX XXXX ( XXXX ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.

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

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my XXXX XXXX plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.

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 2024-04-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX. I demand the removal of these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I received a call from a woman who represented herself as a Bank of America representative. She informed me that my business checking account showed unusual activity. She continued and said that my account showed that someone was trying to make a purchase at a XXXX in XXXX, Texas. This was odd since I am based in California. She wanted to know if that individual was me. I informed her that it was not me, and I did not authorize this transaction. The representative told me that she was required to send me a code, through text, to verify that I was the account owner. When I received the code, it came in the text stream with my previous Bank of America confirmed codes. Due to this, I believed that this was a legitimate Bank of America call. Then the representative asked me to read the code to verify my identity. Then she asked me to login to my mobile app, which I did. While I viewed my account information, I noticed that there were multiple wire transfer pending, and I told the representative that these transfers were not made by me. I also told the representative that I have never made a wire transfer in the XXXX years that I have had this account. She asked me to identify all of the transactions that were showing on my account, which I did. The total amount pending added up to approximately {$36000.00}. She told me that she would put a stop payment on all of those transactions. The next day, I checked my account and noticed that {$8000.00} was transferred from my account to XXXXXXXX XXXX in the name of XXXX XXXX. I immediately contacted the Bank of America Customer Service phone number. The representative said that with any unusual activity ( scam or fraud ) a claim must be filed. She provided a phone number, which I called immediately. I was told that Bank of America would investigate and that my account would be frozen. I continued to call the bank weekly to followup. I was continually told that an investigation was proceeding and that it could take up to XXXX months for a resolution. At the beginning of XX/XX/XXXX, I received a letter from Bank of America informing me that my case was denied and the letter did not supply a reason. I trusted Bank of America to keep my account safe and protect me from a fraud or scam situation. Especially since they are a member of FDIC. This was a sophisticated attack. I assumed that Bank of America would have a robust cyber department that would protect their customers from such activities.

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 2024-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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