vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, via US Postal Service, we received a Payoff Statement from Select Portfolio Servicing , Inc. ( SPS , Inc. ) dated XX/XX/XXXX with an incorrect payoff balance. SPS, Inc. indicated on this Payoff Statement that the unpaid principal balance was {$180000.00} and the payoff balance was {$200000.00} with an expiry date of XX/XX/XXXX. 

SPS Inc. 's reported unpaid principal balance of {$180000.00} on their Payoff Statement was incorrect which made the reported payoff balance grossly inaccurate. This meant that SPS , Inc. 's Payoff Statement was in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ), and their reported unpaid principal balance was a covered error under section 12 C.F.R 1024.35 ( b ) ( 6 ). 

According to the agreements between us, and to which the company has a fiduciary obligation, the correct unpaid principal balance on XX/XX/XXXX was {$91000.00}. 

This correct unpaid principal balance of {$91000.00} was determined from and and is supported by the following evidence, which is overwhelming : Loan Agreement and Deed of Trust between us and the company and by the loan servicer transfer from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
Loan Amortization Table from SPS, Inc. dated XX/XX/XXXX, Loan origination and maturity data from all SPS, Inc. 's published monthly statements, and SPS , Inc. 's published on-line customer dashboard and payment history reports Furthermore, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponded to the balance recorded on the Loan Amortization Table for XX/XX/XXXX, and not the balance corresponding to XX/XX/XXXX, which was the date that SPS, Inc. generated their incorrect payoff statement. 

In other words, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponds to the loans unpaid principal balance when the XX/XX/XXXX installment was applied, which was 24 months ago, and not the correct unpaid principal balance of {$91000.00} on XX/XX/XXXX when they generated the payoff statement. 

Therefore, SPS, Inc. 's payoff statement is in error under section 12 C.F.R 1024.35 ( b ) ( 6 ) and is in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a US Bank Reliacard in the mail Saturday, XX/XX/2021. I activated it because I thought it was the XXXX XXXX card I was expecting, ( had to close my original due to fraudulent charges ). I then decided to call US Bank to cancel the account and they said it was opened by the Ohio dept. of unemployment services. 
In the meantime, I put a freeze on new credit accounts through XXXX. I verified on XX/XX/XXXX that a new inquiry had been placed by the US SBA.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : 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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
They keep sending letters for years and i pid it originally when I got the parking ticket on vacation Then the collectors sent letters and I called and told them I paid it again online Then the letters continued and then they switched the name also and I am divorced Now they are only in ex husbands name sometimes And they want double the amount now claimng theres two tickets!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries 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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : 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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX  XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.

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 monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. 

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged over XXXX from XXXX XXXX XXXX. 

XXXX admits that they do not know exactly why my bill was so high and that they don't have an itemized bill they can provide. Ive been on 3 way with a capital one agent who heard them admit such and they have still continued to try and collect on a debt that can't be verified. They also continue to report to my credit agency knowing the information provided about my amount is inaccurate,

Company response to consumer: Closed with explanation