vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NATIONAL DEBT RELIEF LLC
State: IL

Complaint narrative:
I received an email on XX/XX/XXXX stating this would be the last action taken before they start garnishing my wages if I do not settle with them on 24 hours. It was from an email but the bottom has an attorney who's name isn't the same and then Nation debt relief and associates. I noticed that none of these match up when I tried to XXXX them. I also noticed this was not the first email I had from them. They had tried to contact me in XXXX and when I asked for them to provide validation, they did not and were very rude about how I must be very irresponsible to not know who I owe money to. There is also no phone number or address. Just correspondence via email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company has sold the debt. This is more the 20 years old, it shouldnt have been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have sent LVNV a certified letter on XX/XX/year> requesting a debt validation and all required documents associated with the alleged debt and they still have not responded. In addition, they have sold my information to XXXX XXXX XXXX XXXX  to collect on the debt which has resulted in XXXX XXXX XXXX XXXX  attempting to sue me for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: VA

Complaint narrative:
I am the Executor of the XXXX XXXX XXXX XXXX XXXX, and repaying any debt is not beneficial based on a careful consideration of various factors. Firstly, the etymology of the word " repayment, '' which implies paying again. It is not beneficial for the trust in repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Furthermore the reports associated with XXXX XXXX XXXX are inaccurate as the Trust is the original creditor. Which is PRIVATE TRUST PROPERTY. 
Now lets look at the word credit which means trust. Now lets look at the word report which means property. XXXX XXXX XXXX credit report is a trust report which is again PRIVATE TRUST PROPERTY ( XXXX XXXX ). Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment.

Furthermore, Equity regards the Trust as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, The Name, Address, and Credit Report, are private property of the living trust, You have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Due to Unauthorized use and profiting from the private property of the XXXX XXXX XXXX XXXX XXXX establishes a constructive trust, you are now appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate. Your responsibilities include the following actions : Correction of records : Reflect that all payments are current, with no late or missed payments, and maintain the consumer credit score of XXXX XXXX XXXX at XXXX in prefect standing. Remove closed accounts with specified entities. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of inquires : Remove any and all hard inquires including but not limited to : [ 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
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: LA

Complaint narrative:
I sent a validation of debt to Global Lending Services in XX/XX/XXXX and the information I received was inaccurate. The letter stated that a purchase was made on XX/XX/XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX and the contract was assigned to Global Lending Services. This info is incorrect and I've asked Global Lending Services to remove but they refused. Also Global Lending Services did not list all the payments that were made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of th
e disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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
Consumer complaint received 2024-10-27 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:
Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : -- - Account Name : -- - XXXX XXXX Account Number : -- - XXXX Date of Charge Off : -- - XX/XX/year> Amount : -- - {$770.00} I previously submitted a disputed to Experian regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Experian failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-27 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:
Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : -- - Account Name : -- - XXXX XXXX  Account Number : -- - XXXX Date of Charge Off : -- - XX/XX/2020 Amount : -- - {$770.00} I previously submitted a disputed to Experian regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Experian failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I recognized an inquiry on my credit report. What was the reason for your company to pull my credit report? Please send me all info you have regarding to this pull

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Hello, I recognized an inquiry on my credit report. What was the reason for your company to pull my credit report? Please send me all info you have regarding to this pull

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Complaint against PHH Mortgage Services. I received an escrow shortage letter. I have {$1800.00} in my escrow. They say required min. Balance is {$1200.00}. Anticipated balance {$1000.00}. Shortage {$130.00}. They also state-Mortgage co. says I paid {$500.00} in homeowners hazard insurance. But I actually paid {$930.00} last year in hazard insurance. My insurance went up and is now {$1100.00}. I know that. About {$14.00} a month. They also say their is a {$40.00} fee for OTHER TAXES. What does that mean? They have increased my monthly payment by {$54.00}. Why? What is the item listed as OTHER TAXES? Please help. If my hazard insurance went up only {$14.00} a month why is my escrow account short? Is {$40.00} OTHER TAX increase a mistake over what I paid in my hazard insurance? They saying I paid {$500.00} and I actually paid {$930.00}? Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
Subject : Formal Complaint Regarding Illegal Handling of Dispute by XXXX To Whom It May Concern at CFPB, I am writing to formally express my deep frustration and serious concern over the mishandling of a dispute by XXXX. On XX/XX/year>, I filed a formal dispute after several unsuccessful attempts to resolve an issue directly with XXXX XXXX for a charge of {$28.00} on XX/XX/year>. The charge was for produce ( cabbages ) that were later found to be rotten inside and yogurt with many of the cups that were damaged with vertical cracks or unsealed lids. 

Despite providing all necessary documentation and following the dispute process meticulously, I received a voicemail message on XX/XX/year>, from a XXXX agent named XXXX. He stated that the dispute could not be processed because it was a " face-to-face '' " physical '' transaction, and therefore, the dispute was closed. This rationale is completely absurd and illegal under the XXXX XXXX Billing Act ( FCBA ). 

The XXXX clearly mandates that disputes must be addressed, regardless of whether the transaction was physical or otherwise. XXXX decision to close the dispute on these grounds is not only unfounded but also a blatant disregard for consumer protection laws. This mishandling has caused unnecessary stress and inconvenience. 

I am requesting immediate action from the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation and ensure that XXXX properly processes my dispute. I have attached the voicemail transcript from the XXXX agent for your reference. 

Failure to address this matter promptly will compel me to escalate my complaint further. I trust that the CFPB will address this issue with the seriousness it deserves and take swift corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Debt collector has repeatedly called, upwards of 10 times a day. Account was billed incorrectly due to the creditor not properly closing the account ; account holder was a XXXX service member. Account has since been resolved.

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 2024-10-27 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:
I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications. 

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, Equifax and XXXX credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.

Company response to consumer: Closed with non-monetary relief