vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have multiple mortgages for investment properties and all the lenders require active response to remove my name and personal info from being shared with 3rd party affiliates. In most cases I'm required to fill out a form and sign and send back to request my info to NOT be shared. This is devious as they make it difficult and time consuming process to protect our privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Portfolio Recovery XXXX - Balance {$1100.00} Upgrade XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX - Balance {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} Affirm XXXX XXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.

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 2024-11-18 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: NY

Complaint narrative:
My accounts 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/updated.

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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-11-18 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: DC

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 for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : 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 2024-11-18 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : XXXX : XXXX ON XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
After spreading my personal information to multiple counties in an attempt to sue me midland credit management filed to sue me in XXXX Michigan my hometown. This was after the case had been dropped on multiple occasion for lack of evidence and still has all invalid evidence. Midland credit management continues to harass me and make me take off work to deal with their inaccuracy reports and invalid files. Midland credit management has used stolen information from running unverified inquirers to file lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
Someone got my information and when to the dealership and use my Social Security number to apply for a car and got a lot of inquires on my credit and the credit bureaus want remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XXXX my PayPal account was used to send money ( {$40.00} ) to a fraud slant individual, PayPal refused to reverse the transaction and allowed the fraud to happen. PayPal is an unethical company that does not care about there customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I purchased a cashier 's check from JPMorgan Chase Bank on XX/XX/XXXX. The check states, right on front of it, that it is valid for 7 years. This would mean the check is valid until XX/XX/XXXX. The cashier 's check is made payable from myself to myself. This cashier 's check total {$40000.00}. I also have a checking account with chase bank. This is the account that I received the funds for the cashier 's check in XXXX, XXXX. Chase bank is refusing to release the funds to me for the check stating they sent the funds to the state of Wisconsin this year to unclaimed property division. They refuse to give me proof that they sent the funds to the state of Wisconsin. The state of Wisconsin unclaimed property division is telling us that they haven't received any funds from Chase bank. They told me the cashier 's check is still valid and would not be sent to them. I do have the cashier 's check on me and need this issue resolved immediately. This is causing a hardship at this time. 
Please assist me in resolving this matter. Check # XXXX. The escalation team or office of the president has been investigating this for XXXX weeks and they keep telling me they don't have any answers. They gave me case # XXXX. This is horrible this bank is holding my money and not accounting for it. I have emergency home repairs that are held up due to this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Hi, this mortgage was signed with a balance of {$730000.00} and transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX after the first payment was made with a balance of XXXX. Then, I made the second payment in the amount of {$6100.00}, plus {$5000.00} going to the principal. Then, I made an extra payment of {$5000.00} going to the principal. At that time, they did not apply this payment as it was supposed to be. Instead, they held it as unapplied and sent me a statement showing a principal in the amount of $ XXXXThen, after I contacted them asking to apply the payment to the principal as the payment was made, the customer service representative said that it was sent to be reviewed, but came back without the right results, but with a non-understood changes that asked me to make the next payment in XXXX, skipping XXXX and XXXX, which called my attention and push me to make several calls without a fair correction. 
For XXXX 's payment, I sent a payment of {$11000.00}, that includes XXXX 's payment and {$5000.00} to the principal. Then I received the XXXX statement that shows a principal balance of {$720000.00} with {$5000.00} applied to XXXX payment. This action is forcing me to pay inters of {$5000.00} dollars in the last XXXX months and according to the payment breakdown that was provided by the original lender at the closing table, after these XXXX payments, my balance is supposed to be around {$720000.00}. I can't tell the exact amount. 
As you can see, they are applying payments the way they want to, and this resulted in a fraud against me to charge interest while they hold my money. 
They have the call record that was done are around XXXX, and every single call, I had consented to be recorded. 

I had to take this action because I'm tired of contacting them without results. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
Experian have erroneously information in my credit report, that I have dispute before they still updating information on those accounts. Also dispute results letter has also erroneous information. There an address included in the dispute results that Experian stating is not in their records. I had a identity theft i send all information to Experian and still sending updated accounts. I need them Experian delete those accounts that are affecting my score. Also have a hard inquire they don't want to delete that ; they are asking me to call company that checked my credit without authorization. I'm referring to Experian. All others bureau they delete these accounts.

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding a debt that LVNV Funding, LLC is attempting to collect, which is inaccurate and unverifiable. The account in question is a collection for XXXX XXXXXXXX XXXX, with an alleged balance of {$600.00}. XXXX XXXX has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/XXXX I sent a formal debt validation request to XXXX Funding under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested that LVNV Funding provide the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
2. A complete account history from XXXX XXXX XXXX detailing the balance, charges, and payments. 
3. Documentation proving that LVNV Funding has the legal authority to collect this debt. 
4. Verification that the debt is not time-barred under state statute of limitations laws.

LVNV Funding has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, which is a violation of the FDCPA and Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This failure to validate the debt has caused harm to my credit score and financial standing. I believe LVNV Fundings actions are deceptive and unlawful under 15 U.S.C. 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief