vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello - The company servicing my mortgage ( collecting payments ), Select Portfolio Servicing ( SPS ), owes me over {$11000.00} due to significantly overcharging me in insurance costs ( they even stated this in writing to me - that they overcharged me by this huge amount. However, every time I call them, they keep saying the check is coming. They have been saying this since XXXX. It is now XXXX. You can see many other consumers have the same complaint, as well as many other complaints of fraud, with a quick XXXX search ( eg on XXXX, XXXX, etc ). 

I have attached the only relevant document here- in which they explicitly state they owe me over {$11000.00} due to overcharging me, yet they continue to fail to pay me this money I am owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 2023-12-08 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XX/XX/2023, Chime suspended my account. I had tried to transfer an amount under {$5000.00} to a different savings account, Chime then suspended my account and asked me to submit documents to verify my account. 

I submitted these documents 3 times on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX They do not get back to me. Customer service is not helpful at all mentioning i need to contact some " specialized team ''. it has been just under 3 weeks I do not have a payment method because of which I am financially on my last leg.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: Self Financial Inc.
State: MD

Complaint narrative:
I am contacting you to urgently address and rectify a significant error in the credit reporting by SELF/XXXX regarding my account ( Account # : XXXX ). This error pertains to late payment entries that have been inaccurately reported, constituting a clear violation of my consumer rights and a breach of the Fair Credit Reporting Act ( FCRA ). 

Immediate Rectification Required : The credit report inaccurately lists late payments on my account as of XX/XX/2023. This reporting is erroneous and is a grave error on the part of SELF/XXXX. I have consistently managed this account with diligence and responsibility, and there have been no late payments. The continued misreporting has unfairly impacted my credit score and stands as a detriment to my financial integrity.

Demand for Immediate Deletion of Erroneous Entries : I am not merely seeking correction but the complete deletion of these false late payment entries. The persistence of this incorrect information is damaging and unacceptable. As a consumer, I am entitled to fair and accurate credit reporting, as mandated by the FCRA.

Background and Key Concerns : Inaccurate Reporting Despite Dispute : Despite disputing this information, which was acknowledged as meeting FCRA requirements, the resolution remains unfulfilled. The failure to rectify this error is an ongoing injustice. 
Negligence in Address Update and Consequential Risks : After informing SELF/XXXX  of my change of address following mail theft, they neglected to update their records, leading to severe consequences, including misdirected communications and increased risk of identity theft and financial fraud. 
Legal Stance and Consumer Protection Rights : Under the FCRA, I am legally protected against unfair and inaccurate credit reporting practices. The inaccurate listing of late payments on my credit report is a direct infringement of these rights. Moreover, this misreporting could be viewed as an act of negligence, or worse, willful non-compliance by SELF/XXXX. 

Psychological and Emotional Toll : This issue extends beyond financial implications ; it has caused me significant stress and anxiety, exacerbating the feeling of being wronged and powerless against a flawed system. 

Conclusion and Ultimatum : I demand that SELF/XXXX immediately delete the false late payment entries from my credit report. Failure to comply will compel me to take further action, including seeking legal recourse for the damages caused by this reporting inaccuracy. 

Your prompt attention to this matter is not only expected but required. I trust the Consumer Financial Protection Bureau will advocate on my behalf to ensure that my credit report reflects nothing but the absolute truth of my financial conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}

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 2023-12-08 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: FL

Complaint narrative:
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1500.00} XXXX updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-08 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-08 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: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I believe my first payment date was on XX/XX/XXXX of this year. I called two days prior to make a payment. When trying to make a payment over the phone with affirm I was told that it was an error in affirms system. I was told to call my bank and make sure they take payments from affirm, they told me everything was fine on my end and it was a error with them. I called back and told them this, the employee specifically told me he would put it down in the notes and that my payment history would not be affected by this since it was an error in there system. He told me I would be receiving a call back about the error in the system. I was told that all the calls were recorded so this one defiantly should have been. A couple week go by and I call again, and I am told the same exact thing. So at this point I am just waiting around to see why In not able to make a payment. I kept being told that I would not be affected because it was not my fault. Finally after talking to several managers I finally talked to one way in XXXX who finally gave me a solution. By this time I had already requested credit disputes because my payment history was shown as I was missing payments when I could not make any from the start. I was told by multiple managers that I would be receiving a credit dispute for this cause but when it came down to it they kept making excuses on there end. In XXXX finally a manager gave me a solution to pay a different way since I did not have another card. They told me to try with my actual account number, and that finally worked. So I payed the months prior, and was told I would be receiving a credit dispute for this inconvenience. Again a couple weeks later I was told the case was closed and that I was not able to receive a credit dispute, I called back and requested the company to trace the phone calls were the evidence were plus the notes but I have yet to receive a credit dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to dispute this account but Experian disabled my access to do so. 
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to express my deep frustration with the handling of my recent credit report dispute. Despite my repeated attempts to have certain items on my credit report investigated and corrected, I have encountered significant resistance and have not seen any progress in resolving the issue. 

On XX/XX/2023 and XX/XX/2023, I submitted a dispute regarding a few items on my credit report. I provided detailed explanations and supporting documentation to substantiate my claims, yet I have not received any indication that these matters are being appropriately addressed. 

This ongoing lack of action on Experian 's part is not only concerning but also damaging to my financial well-being. I expect and demand that my dispute be handled with the utmost attention and in accordance with the law. 

I urge you to promptly review and address my dispute and provide me with a clear and timely resolution. I also request that you provide me with regular updates on the progress of this matter. 

I am prepared to take further action if this issue is not resolved to my satisfaction. 

Sincerely, 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