vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Dear CFPB/ Madam/Sir : I checked my XXXX Credit report and I saw a debt collector that In state of send me a notice of a letter. ( 30 days for me to answer ). The debt collector did not do this Legal action. However with out my authorization went in to my XXXX and the XXXX others credit Bureaus XXXX and XXXX XXXX and look at my credit reports and add in my credit reports my name and the amount owe, by the original creditor that was already PAID OFF. And my balance is 00 %. This debt collector is braking my consumer rights and is braking the Federal Laws by not writing me a letter before going in to braking my privacy and abusing of power going in to my personal credit files. I respectfully demand from this debt collector to legally send me by US mail a letter, than I will answer the letter on or before 30 days as per Federal Laws dictate. I also Respectfully Demand form this debt collector to take me out of my XXXX credit Bureaus Report Agencies. XXXX, XXXX, and XXXX XXXX, until this very important matter is resolved on or before 30 days time limited by my consumer rights and by the Federal Laws. Also this debt collector should be fine and there licensee to collect be taking away, by braking my Privacy ACT, by abusing of power, by braking State and Federal Laws.

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 2024-08-28 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: AZ

Complaint narrative:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$7000.00}

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 2024-08-28 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: NY

Complaint narrative:
My account with 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 those account 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.

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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I was notified by the US Department of Education that my student loans were eligible for full discharge. In XXXX of XXXX some of my loans were discharged, but the remaining balance was not discharged. I only ever attended XXXX XXXX operated schools XXXX XXXX XXXX  later rebranded as XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit 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 non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit 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 2024-08-28 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( EQUIFAX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( EQUIFAX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
Received a letter from SB & C Ltd saying that we owe them {$1200.00} We do not owe SB & C Ltd any money

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 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
Signed up for this loan with their misleading policies for payment and even though I have paid almost the same amount as the loan I still owe the same amount as when I took the loan of about {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-08-28 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: LAND HOME FINANCIAL SERVICES
State: PA

Complaint narrative:
We lost our home in a XXXX XXXX  days before XXXXXXXX XXXX. We notified the company the following week, due to the XXXX  and XXXX XXXX. We were told not to worry about any payments during this time, that the insurance company would issue the proceeds from the XXXX policy and pay off the loan since the house and everything in it was a total loss. Due to the XXXX and the XXXX XXXX 's policies regarding total loss, they needed to certify what happened to the house, which took well into XXXX. We kept the lender updated as to what was happening and as soon as the investigation was completed, funds were issued and sent to the lender. We waited for over XXXX  months AFTER the lender had the check for them to pay off the loan! As if it wasn't bad enough losing everything, and being told things were good on the lender side, we came to find out that the company was reporting XXXX, XXXX, XXXX and XXXX all as late on the credit report when they told us not to worry about the payments and when THEY HAD THE PAYOFF CHECK!!! To add insult to this whole situation, during this time, they also initiated a foreclosure on the home! We have disputed the credit report several times and received nothing out of it but a form letter response and nothing has changed. This isn't right! We need to get another home and a loan for it, but can't now because of their recent reporting on the credit report. ( We have denial letters stating this is specifically the reason why our application was denied ). Even though this company has lied to us, charged us thousands in unauthorized fees and charges with no explanation, and denied us numerous requests for information and records, we aren't seeking any monetary damages or refunds, we just want this information removed from the credit report immediately so we can move on with our life, part ways from this lender, and never again cross paths with each other or continue to fight this same battle month after month.

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 2024-08-28 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. 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 explanation
Consumer complaint received 2024-08-28 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: WI

Complaint narrative:
On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my credit union ( XXXX XXXX XXXX XXXX XXXX ), and : 1. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
2. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it. 
3. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
4. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau XXXX XXXX and XXXX XXXX XXXX relevant information that explains your situation. Return the completed form to the po box address for Auto loan-related issues. 

If you believe you may be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau XXXX, or by mail to : ATTN : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to Friday, XXXX XXXX. to XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, 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 2024-08-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my credit union ( XXXX XXXX XXXX XXXX XXXX ), and : 1. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
2. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it.

3. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
4. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau Dispute Form and providing all the relevant information that explains your situation. Return the completed form to the po box address for Auto loan-related issues.

If you believe you may be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau Dispute, or by mail to : ATTN : XXXX Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to Friday, XXXX XXXX to XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, 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