vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

This was clearly a billing error made by XXXX XXXX XXXX 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


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. 

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: FL

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

This was clearly a billing error made by XXXX XXXX XXXX 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


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. 

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I requested that WF CRD SVC provide debt validation for account XXXX that was opened XXXXXXXX XXXX XXXX and they keep reporting my account as charged off but they refuse to send me the contract, or update the credit bureaus.

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 2024-03-07 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: IN

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXXXXXX AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX and XXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be zeroed out with the document case law and the matter of XXXX presented. on the record

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
As of XX/XX/2024 XXXX, XXXX, and XXXX do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from Mohela outlining every payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF and COLLECTION ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. Inaccurate Addresses : 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 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 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 2024-03-07 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: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: NJ

Complaint narrative:
On Fri, XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX regarding an alleged debt. On XX/XX/XXXX, I requested validation and further information. 

On XX/XX/XXXX, they provided a random string of numbers, dates, and numbers with no association with any specific persons name, address or signatures, no specific legally binding documents, contracts, etc. 

My name has been involved in data breaches by big corporations and as a result is imperative to corroborate any alleged debt. 


I requested proper and valid documentation. I have reached to them already 6 times via XXXX. See below tracking numbers. 


Number 1 On Friday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX  XXXX Number 2 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXXXXXX XXXX  XXXX Number 3 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXXXXXX Number 4 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXX Number 5 OnThursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX Number 6 On Wednesday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXXXXXX I can provide copies of all communications And all inquiries have been ignored by D & A Services. 


An individual is given 35 days to properly respond, otherwise the alleged debt become validated by default. 

But this company has ignored repeated requests for validation and the submission of proper documentation for more than 100 days. No validation or proper answers to any of my inquiries have been received. 


I specifically requested to XXXX XXXX XXXX XXXX that, as a result of lack of validation, all alleged negative reports to any and all credit reporting agencies, credits risk agencies, financial institutions and subsidiaries, are officially requested to be retracted, and expunged based on the lack of proper legal validation. 

But despite failing to provide any valid documentation, XXXX XXXX XXXX XXXXXXXX XXXX has improperly reported this alleged debt to the Credit reporting Agencies. if D & A Services can not properly and legally validate an alleged deb, how come they dare to report it? 

I really appreciate the help and guidance to solve this matter. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX D & A Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX Toll Free XXXX XXXX account number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a phone call saying that I owed BofA {$16000.00} from an old line of credit in 2006. They won't provide me with any information and said I can log into a website and pay {$1100.00} and not have to go to court. I repeatedly asked for an explanation of the debt and they said they can provide it once I pay. I tried to pay and my bank refused the charge, saying it was a cash advance charge. I called back and he the guy said he could do it over the phone for a fee and I hung up. It sounds like a scam and I have nothing on my credit report for this account and never have. The debt collection/lawyer website is 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 2024-03-07 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: FL

Complaint narrative:
in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give Transunion, XXXX nor XXXX written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my 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
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: CA

Complaint narrative:
This is a follow up to complaint # XXXX. First Interstate holds money against depositors will.. 
The banks response was totally unacceptable. They just repeated their policy that prevents me from withdrawing my share of an inherited CD. The policy is self serving. It is not the law but a scam to prevent withdrawal of funds from their bank. How many accounts, and how much money are they holding against depositors wishes.? This " policy '' needs a Class Action Suit with financial penalties to be filed! Are you hearing me CFPB? First interstate needs to release my share of the aforementioned CD without the signatures of the other beneficiaries. Which is Totally Legal and morally right. 
Absolutely outrageous that First Interstate bank is allowed to hold my money against my will and my dead mothers wishes. I want a real response, not some XXXX bank official repeating their " policy '' scam. The bank can legally release my money, SO make them do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
CONVERGENT OUTSOURCING INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON XXXX Convergent Outsourcing Inc, I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ Original Creditor-XXXX/Account number XXXX ] . It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all attempts to collect debt, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hello my name is XXXX XXXX I am the Biological Heir of XXXX XXXX my XXXX died with out will I was contacted by chase mortgage about his death and his estate I contacted them with his Death certificate and my birth certificate to show that he was my biological father and chase mortgage decided to sell property after I sent them the information about his death i updated and instead of following state and federal statue codes they sold or pre foreclosed on property by using a third party debt collector who filed for a auction for property then the they talked to XXXX child about XXXX XXXX account Federal Act I the right to sell house His wife had will for her she was not co signer on XXXX XXXX Mortgage so property inherited by the next of kin when I called the bank would only talk to step child and sent pay off quote to step child The federal act they broke was GarnSt Germain Act they never let me take over payments Key Provisions of the Act Right to privacy act The Garn St. Germain Act addressed due-on-sale clauses in mortgage contracts. These clauses allowed lenders to demand full repayment when a property changed hands. The Act recognized these clauses as enforceable but introduced critical exceptions for specific situations. 

One major exception involved property inheritance. When a family member inherits a property, they can continue the deceaseds mortgage payments without refinancing. This exception is vital for heirs who might not qualify for a new loan. 
Another exception concerns joint tenants. It allows property owners to add certain family members, like a spouse or child, to the property title without triggering the mortgages full repayment. 
The Act also supports estate planning. It allows property transfers into a certain type of trust without demanding loan repayment. This is crucial for managing assets and avoiding probate. Many individuals plan to avoid the complicated and public probate process through an inter vivos trust. Also called a revocable living trust, this legal tool allows for a more accessible estate administration process for your loved ones. 
In North Carolina, these provisions streamline real estate transactions involving inherited properties. They provide clarity and financial relief for families during the transfer of ownership. 

Understanding these key provisions helps heirs and property owners plan effectively. It ensures smooth transitions in property ownership and mortgage responsibilities. You can read more about what the act did for the average American at XXXX or talk with an experienced estate planning attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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