vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a single woman, and in the process of borrowing {$170000.00} from the U.S. Bank against my house in CA. I and my mother owned the house in XXXX XXXX until she passed away in XXXX, and since then, I've been the sole owner of the house. 

The U.S. Bank rejected my loan application, claiming there is a tax XXXX recorded against my mother. I asked the Bank to send me a copy of the XXXX, but they refused. The Bank 's underwriter said : " There is a federal tax XXXX listed in your late spouses ( sig ) name. At the time this XXXX was placed, your spouse was still an owner on the title, so I have confirmed this XXXX is valid. 
" JUDGMENTS/ LIENS A federal tax lien against XXXX XXXX in the amount of {$13000.00}, plus costs, interest, additional taxes in favor of THE DEPARTMENT OF TREASURY - INTERNAL REVENUE SERVICE dated XX/XX/XXXX recorded on XX/XX/XXXX in ( instrument ) XXXX, of the official property records of XXXX XXXX XXXX, California. '' B/c the Bank REFUSED to share the lien with me, I had to do all the leg work to obtain a copy of the lien, which wasn't easy to do. It turned out the XXXX is an UNSECURED XXXX against someone else whose social security # was totally different than my mother 's. ( The XXXX clearly shows the debtor 's social, different than my mother 's ). I also had to incur my own expenses and ordered a title report for the Bank because it also REFUSED to share it with me. When I sent the title report to the Bank, along with my mother 's social security card + death certificate, the Bank 's underwriter finally said, the title report was " helfpul. '' The Bank could've easily saved so much agony for me, simply by sharing the unsecured XXXX in their possession with me. If I did not speak XXXX, the BANK would've made me pay off someone else 's XXXX. Can you please look into whether the Bank applies the same type of abysmal unfair practice to Caucasians? If the Bank has given me extra difficult time because my last name shows I'm an XXXX descent, that's clear XXXX discrimination.

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 2024-07-09 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:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in 60 days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXNever 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! 


Delete the late payments from my consumer reports 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX certified to Experian on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a XXXX balance with XXXX. On XX/XX/XXXX, XXXX sent an email confirming the payoff of loan id XXXX. Experian dispute dept has told me thru a phone conversation that there is no law against XXXX certifying a false balance and the only thing that Experian can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!

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 2024-07-09 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:
I am not liable for this debt with XXXX XXXX they did not provide me with the original contract as I requested.

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 2024-07-09 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accounts XXXX XXXX  XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 2024-07-09 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:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment reported in 60 days 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 1637 ( 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 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! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Notice of Violation of 15 U.S.C. 1681e ( b ) I have written notice from the clerk of courts that they don't provide information to XXXX  party reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me and have negatively impacted my credit score. Below are the details of the inquiries in question : TransUnion Report : XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Multiple Entries ) Inquiry Dates : XXXX, XXXX, XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Entries ) Inquiry Dates : XXXX, XXXX, XXXX Type : XXXX XXXX  XXXX XXXX Dates : XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX Type : XXXXXXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. Section 604 of the FCRA specifically states that a consumer report may only be accessed for certain permissible purposes, and I did not authorize these hard inquiries, which means they should not have been included in my credit report. 

Due to the unauthorized nature of these inquiries, I request that they be removed from my credit report immediately. These inquiries are damaging my credit score and affecting my financial health unjustly.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Case numbers XXXX, XXXX claims have been denied with no proper evidence, they have sent me documents showing the remote log ins during these fraudulent transactions taking place in California and XXXX Texas which I am located in XXXX. I would like a further investigation into these fraudulent transactions and a refund of my funds that were withdrawn from my Wells Fargo account ending in XXXX attached is my evidence of fraudulent activity and log ins from different locations.

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 2024-07-09 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: CA

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


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


I demand the late payment reported in 60 days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX XXXXNever 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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: NJ

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 2024-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Company is rude, condescending and aggressive. They refuse to work with me, pretend they never heard of me. The state of Arizona has sued them several time over their practices and tried pulling their license. What this firm does is take on accounts, trump up the bill and lie about facts. This company wont provide any information, a contract, list of charges or proof of damages. They claim they have a judgment for the amount of XXXX but public record states otherwise. Then they tried claiming interest, breach of contract, etc. but none of that is in the contract. 

Furthermore, they refuse to validate the debt and placed multiple collections accounts to make it harder to contest with credit bureaus. 

They also say talk to the original owner of the debt, but they dont exist anymore, nor does it change the fact they currently own it. 

They refuse to follow credit collection laws and rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you have reported a late payment of 30 days on my account.I demand the immediate deletion of this inaccurate late payment from my credit reporting agencies profiles.The fact is that on the date you claimed a late payment was reported on my { XXXX, TransUnion, XXXX ( choose the CRA that the late payment was furnished to ) }, my account was not late.I will not tolerate the willful and continued reporting of false information on my credit profile which clearly violates the Fair Credit Reporting Act 15 USC 1681 a ( 1 ) ( A ) ( i ) Promptly notify the furnisher of the information that the information is inaccurate, and the furnisher of information shall ( I ) conduct an investigation with respect to the disputed information ; As an enforcement mechanism under 15 USC 1681n ( a ) Civil liability for willful noncompliance ( 1 ) In general Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) ( i ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have the right to sue, and I will seek full compensation for all damages caused by your companies willful noncompliance and failure to correct this inaccurate reporting of my payment history.Delete this inaccurate late payment from my consumer reporting agency profiles immediately.Sincerely,

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 2024-07-09 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you have reported a late payment of 30 days on my account.I demand the immediate deletion of this inaccurate late payment from my credit reporting agencies profiles.The fact is that on the date you claimed a late payment was reported on my { XXXX, XXXX, Equifax ( choose the CRA that the late payment was furnished to ) }, my account was not late.I will not tolerate the willful and continued reporting of false information on my credit profile which clearly violates the Fair Credit Reporting Act 15 USC 1681 a ( 1 ) ( A ) ( i ) Promptly notify the furnisher of the information that the information is inaccurate, and the furnisher of information shall ( I ) conduct an investigation with respect to the disputed information ; As an enforcement mechanism under 15 USC 1681n ( a ) Civil liability for willful noncompliance ( 1 ) In general Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) ( i ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have the right to sue, and I will seek full compensation for all damages caused by your companies willful noncompliance and failure to correct this inaccurate reporting of my payment history.Delete this inaccurate late payment from my consumer reporting agency profiles immediately.Sincerely,

Company response to consumer: Closed with non-monetary relief