vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
XX/XX/year> Subject :

Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Jefferson Capital System LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. Jefferson Capital System LLC Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Debt amount listed on consumer report : {$1800.00} Date Opened : XX/XX/year> I have received a communication from Jefferson Capital System LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim.

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I contacted Bank of America prepaid card ( Arizona unemployment ) about a problem I was having with my account. My account and identify was compromised and someone else unbeknownst to me was using my account resulting in multiple transactions and transfers I did not make. As we know this company had to end its partnership with DES Arizona due to multiple issues they were having including fraud. I submitted dispute claims- XXXX, XXXX, XXXX, XXXX, XXXX, but were all denied due reasons I dont know was XXXX told investigators concluded I authorize XXXX I knew to make theses charges ( which I didnt ). I have ample amount of evidence showing I did not make the charges/transfers, and I for one didnt even receive this card and thought my unemployment benefits werent even issued. This is a cause of fraud and identity theft which has really hurt me financially due to lack to funds during a really troubling time. Im asking for help resolving this matter, I do not believe the company that has multiple fraud issues and had to end its partnership with the state due to these issues can be trusted to investigate a claim in good faith. Furthermore I requested for information about the claim decision process and I was given none. Please if you can help me in this process of trying to get back funds that were rightfully mine which I did not use myself nor did I authorize anyone to use. This is a matter of identity fraud and poor security/business practices which resulted in funds that were rightfully mine being stolen and misused.

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 2024-07-04 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this account. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my account and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated this account on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX 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 2024-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 non-monetary relief
Consumer complaint received 2024-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RANLife, Inc.
State: OR

Complaint narrative:
I had been trying to get my mortgage on forbearance since I lost my job on XX/XX/year>. I applied the way that the lender asked, however, I would never receive any communications on the status for several weeks. Then when I called, I was told that I needed additional documents and the original documents I sent would now be out of date and the process needed to be restarted. So I did that again and in XXXX the same issue occured causing me to start the process over. I did it again and in XXXX, right after they accepted all the documentation, they said it was too late because the state of the loan was already in foreclosure and now there isn't anything I can do to save the loan. I offered to pay at least 2 months mortgage payments plus the associated fees to try and bring the balance lower while I worked on getting paid up to date but that was denied as they said the only way currently to stop the process would be to pay the total loan balance left on my lien. This is obviously not fiscally possible, and so now I am rather at a loss as to what I can do to save my home and families future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

This is a list of all hard inquires that are reporting to my XXXX, Transunion, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-04 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: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my Experian, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXXXXXX 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 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB Family, I am writing to file a formal complaint against the following debt collection agency Spring Oaks Capital LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Spring Oaks Capital LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Debt amount listed on consumer report : {$640.00} Date Opened : XX/XX/XXXX I have received a communication from Spring Oaks Capital LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX. 
Account number : 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 2024-07-04 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX. 
Account number : XXXX

Company response to consumer: Closed with non-monetary relief