vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
I uploaded a letter on XX/XX/year> to my mortgage company, Select Portfolio Servicing, requesting that they pay off my mortgage in full using money they had in restricted Escrow for insurance, and to send me a refund of the remaining balance. They told me on the phone that the process would take XXXX  days. I submitted my letter and my payoff quote, according to the instructions I received over the phone ( through the Select Portfolio Servicing online portal ), however I received no confirmation or communication regarding the matter at all for several days. So I called to confirm that they received my request. They said that they had. I heard nothing else for another week or so, so I called and emailed to request that they send me an email or letter confirming in writing that they received my instructions to pay the loan in full, and to let me know what date this was projected to be completed. They said they would send me the letter, but they never did ( this was over a month ago that I requested the letter ). I continued calling at least a couple of times a week to check on the status, and when XXXX days had come and gone, I asked why the loan had not been paid off yet. They said, oh, it takes XXXX BUSINESS days, not just XXXX days. So I said, fine, and waited a couple more weeks. Still nothing happened. So I called again, and then they said that it would take up to SIXTY days to process the payoff. I said, " What? Why? This is not acceptable. I was told XXXX  days and now suddenly it's XXXX? I'm getting charged interest and having to make mortgage payments every month when you guys have had the money in your hands to pay the loan in full for months? '' Then I asked, " So will it be sixty days just to process the payoff, or XXXX days until I receive my refund check? '' They said XXXX days to process the payoff only ( which means, what, XXXX days until I receive my refund???? I don't know ). I looked up the regulations on your consumer finance website, and it looks like a borrower is supposed to RECEIVE their refund within only XXXX  days of the money to complete the payoff being in the mortgage company 's control. So it looks like they are definitely breaking the rules here and it is causing me a tremendous amount of financial damage. I am currently speaking with lawyers about sueing them for reparations. Meanwhile, I have paid XXXX mortgage/interest payments since authorizing the payoff, and I am about to have to pay a THIRD on XX/XX/XXXX. This is crazy. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX has removed a debt collection agency from my account that I have been disputing for several months and it remains on Experian and 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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I currently have a positive credit card balance of + {$5300.00} on a closed apple card account that I have been unsuccessfully trying to be refunded back to my bank account. I have called 4 times requesting for this balance to be refunded to my linked bank account ( XXXX  XXXX XXXX account ending in XXXX ) and every time the Apple Card team tells me they are have an ongoing ticket with their backend team to process it. 

My apple card account if the one associated with email XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report XXXX  months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020

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 2024-02-29 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: FREEDOM FINANCIAL NETWORK
State: ME

Complaint narrative:
XXXX or XXXX  years ago I payed freedom debt relief {$1200.00} to remove or settle medical debts that where older then XXXX yrs old and sold multiple times and some stuff got removed then started showing back up on report as new debt I contacted them and was told to submit information on what came back so I allowed more time and even more showed back up this time when I tried to contact them the number was no longer in service and no way to contact them since

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the unresolved disputes I have raised with TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the unresolved disputes I have raised with XXXX, XXXX, and Experian regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

Thank you for your urgent attention to 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 explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to TransUnion, XXXX, and XXXX regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to 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 2024-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address the inaccurate information that is currently being reported on my credit report by your agency. On XX/XX/2024, I submitted disputes to XXXX, XXXX, and Experian regarding certain accounts listed on my credit report, citing violations to my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite this, I have not received any response from your agency within the mandated 30-day period. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these disputes. It is imperative that you take prompt action to rectify the inaccuracies on my credit report. 

Specifically, I have identified several violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) in relation to the disputed accounts : FCRA 623 ( a ) b ) violation : Your agency has failed to mark the disputed accounts as disputed, as required by law. 

FCRA 605 ( c ) violation : The reporting period on the disputed account has been inaccurately calculated, as it reflects the date of last activity rather than the last date a payment was made.

FDCPA 809b violation : Your agency has repeatedly failed to provide validation of the collection account, as outlined by the Federal Trade Commission ( FTC ) opinion.

I demand that you take immediate action to correct these violations and update my credit report accordingly. Failure to do so will leave me with no choice but to pursue legal remedies to ensure my rights are protected.

Please acknowledge receipt of this letter and provide a timeline for resolving these disputes. I can be reached at the contact information provided above.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently disputed inaccurate information that I noticed on my credit reports with the creditors and the credit bureaus. I sent documents showing I was involved in a data breach however they did nothing to remove this erroneous information. I asked for verification of these accounts and did not receive any further clarification.

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 2024-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I received a call from QAR collections stating that I owe nearly {$190.00} in debt from XXXX XXXX XXXX, XXXX XXXX and want me to pay ASAP or I will go into collections. 
I did not receive any written email or mail or phone text or phone call from the XXXX XXXX to verify this. I checked with XXXX and they said they will call back in 24hrs and they did not call to verify this.

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 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXXXXXX - XX/XX/2023 Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: AR

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I reviewed my consumer reports and noticed that i had late payments on TWO accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX  || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX || Date of inquiry : XX/XX/2023

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Incorrect personal information is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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