vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am writing to dispute the validity of the debt that Monterey Financial Services LLC claims I owe. I want to clarity that I have never entered into ANY agreement or contract with Monterey Financial Services LLC. I believe that the collection activities being pursued by your agency are in violation of federal regulations, specifically the following codes : 1. Code : 12 CFR 1006.34 ( c ) ( 4 ) ( I ) This code states that a debt collector must provide me with a written notice containing specific information about the debt within five days of their initial communication with me. I have not received such a notice from your agency, and appeared on my consumer report without notice, which raises concerns about the accuracy and legitimacy of the debt you are attempting to collect.

2. Code : 12 CFR 1006.34 ( d ) According to this code, a debt collector must provide me with written verification of the debt if I dispute it within 30 days of receiving the initial notice. I hereby dispute the validity of the debt and request that you provide me with the necessary documentation to verify its accuracy.

3. Code : 15 USC 1681-s2 ( 7 ) ( a ) This code states that a debt collector must cease collection activities until they have provided me with the required validation of the debt. In light of my dispute, I request that you immediately cease all collection efforts until you have provided me with the requested documentation. 

I request that you investigate the matter and provide me with a written response within 30 days as required by law. Please ensure that any further collection activities related to this debt are halted until the dispute is resolved and the debt is verified. 

Additionally, I would like to remind you that I have certain rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any violations of these acts will be reported to the appropriate regulatory authorities. 

Please provide me with the necessary documentation to verify the debt, including but not limited

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 2024-05-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX syncb/amazon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Hard inquiries that i didnt authorize

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 2024-05-20 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: MS

Complaint narrative:
XXXX XXXX  loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/2024 when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to XXXX to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
collection account reporting is inaccurate, debt is not mine

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 2024-05-20 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: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-20 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: TX

Complaint narrative:
The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I received a text message from Valley Empire Collections on XXXX, XX/XX/2024. Upon calling them back at XXXX I was transferred to XXXX at extension XXXX. XXXX informed me that there was a collection to XXXX XXXX. I informed XXXX that I did not owe XXXX and they needed to stop attempting to collect. She told me that I needed to contact XXXX, which I refused to do and told her that they need to get this resolved with their customer. I further informed her that they were not allowed to contact me again regarding this bill, to which she said it was a debt they would continue to attempt to collect. She then tried to hang up on me. Very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I sent {$800.00} to Select Portfolio Services Inc. to pay my mortgage. I did that using using XXXX XXXX online bill pay. Select Portfolio Services claims they never received the money which was electronically processed by XXXX XXXX on XX/XX/year>. Ive contacted XXXX XXXX and they provided me with a trace number which they said is proof the Select Portfolio Services received the {$800.00} on XX/XX/XXXX. Ive contacted Select Portfolio Services numerous times and provided them with a bank statement and a trace number using an email address they said to use. Every time I call them I get the run around. At first they said it would take them XXXX business days to research it. Then I followed up and was told it could take up to XXXX  months to review it. On my most recent phone call they asked me to fax a bank statement to the company cashiering dept. which I did. Ive tried many times to explain to them that the trace number I provided to them is proof that they received the {$800.00} payment but almost 4 months later they still have not applied that to my mortgage balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: MI

Complaint narrative:
I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/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 2024-05-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiry XXXX XXXX XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on Secured Credit Card Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and XXXX for my secured credit card account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in XXXX History : ** # # # # **TransUnion : ** - **Late Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and XXXX update my credit report to reflect accurate payment history. 
XXXX. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MO

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 informationisinaccurate.

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 2024-05-20 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: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.

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