vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
This is about Select Portfio Services House burned down and insurance sent me a check for the anount of the payoff quote. Requested a payoff quote and received the same day. Quote good for 30 days. Sent payment in full and lender received it BEFORE 30 days ended. Called to check on it and was advised that the check was " lost ''. It was lost for 2 or 3 weeks than it was found. Now they won't honor payoff because the say I have to pay interest for all this time it was lost. I have a ups label that states it was received before deadline and XXXX signed for it. They won't refund so they just put it it escrow. Check has payoff mortgage and loan number written on front. We keep getting the run around and they say there's nothing they can do. I have an appointment soon with a lawyer to see what I can do. It's a XXXX shame they can't honor their quote and have to try for more money. It's not my fault they lost the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2024 I was called regarding a payday loan from XXXX yrs ago that I supposedly had and was threatened that if I didn't pay they would take me to court and I would have to end up paying XXXX. So unless I paid XXXX up front, I should be fine. I paid and my bank institution sent me XXXX XXXX saying it was fraud and if I wanted to cancel the transaction I had XXXX hours to do so. After I paid, I went and did some research and found out that this company was indeed a scam and withing the hour i called my bank and cancelled. They promise me that it would not go thru and even issued me a new card. Well the payment still went thru and I've been disputing this for almost 2 months now and they are still refusing to take fault in this matter and are denying me my funds. I keep yelling them I stop payment and they can clearly see I did but still refuse to admit it was their fault

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: MI

Complaint narrative:
Hello, I filed a CFPB complaint XX/XX/year> notifying Experian of incorrect personal information reporting to my consumer file and demanding removal of the incorrect personal information and an updated consumer report displaying the removal of the incorrect information. I have multiple incorrect addresses reporting to my consumer file that are not mine nor do they have any affiliation with me, I have also noted to Experian my current and only address that I ask to be housed and shared. 

Experian mailed dispute results to me XX/XX/year> as noted on the correspondence, with me receiving it XX/XX/year>. The dispute results reflected no changes nor validation. Having been notified by me ( XXXX XXXX XXXX, the owner/consumer of the consumer file that the information is incorrect and continuing to house and share the incorrect information while refusing to remove it is a direct violation of FCRA and my consumer rights. Consumer reports are required to be accurate by law. This is my second attempt to inform EXPERIAN they are breaking the law sharing incorrect personal information onto my consumer file, placing my personal/private information at higher risk to be compromised. Incorrect data being shared to my file puts me at great risk for fraud, identity, and hackers. With all of these data breaches Experian and data furnishers are having I am trying to have my information and consumer file as accurate as possible. Please remove the XXXX incorrect addresses that have been highlighted from my consumer 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 2024-08-16 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to Resurgent Financial. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE UCC 1-308

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 2024-08-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Debt Reporting, Cease Collection Attempts, and Request for Full Accounting Dear Sir/Madam, I am writing to dispute the inaccurate debt reporting on my credit report, which originated from billing errors on behalf of XXXX XXXXXXXX and was subsequently sold to XXXX XXXX. The debt in question was charged off by XXXX XXXX before resolving the billing errors, and XXXX XXXX purchased the debt without properly verifying its validity. 

It has been confirmed by XXXX XXXX that this debt is inaccurate, yet it continues to negatively impact my credit standing. I demand immediate removal of this account from my credit report due to the lack of proper verification. Additionally, I request that all collection attempts be ceased, including furnishing erroneous information regarding this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report and request verification of the debt. This debt has been proven to be fraudulent and should not be reported on my credit file. 

Furthermore, I request a full accounting of the sale of this alleged bad debt, including all relevant documentation and information related to the transaction. I expect this information to be provided to me within 30 days of the date of this letter. 

Failure to comply with these requests may result in legal action being taken to protect my rights under the FCRA and FDCPA. I urge both XXXX XXXX and XXXX XXXX to resolve this matter promptly and in accordance with the law. 

I request written confirmation of the removal of this inaccurate debt from my credit report, cessation of all collection attempts, and the provision of a full accounting of the debt sale within the specified timeframe. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX WITHOUT RECOURSE 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 2024-08-16 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: AR

Complaint narrative:
I reviewed my credit report on XXXX and noticed that Experian had put some improper information on my credit report. 

The following accounts does not belong to me XXXX XXXX for {$350.00} XXXX XXXX XXXX {$1800.00}

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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I was a customer with XXXX and decided to switch to a new provider. I was only paying for service, not on the phone. I never received any notice from XXXX that I owed them money, which was {$100.00}. 

I also never received any correspondence from Amsher Collections Services to inform me that they now owned my debt. The account has been open since XX/XX/year>, and we are in XXXX, without a letter of verification sent or any outward correspondence to me. 

I have not reached out for any information, as I do not think it is fair for me to have to pay a debt that I was never informed about. I have not yet sent my certified letter to the company but I plan on it next week asking them to remove this debt off of my credit report due to the lack of acknowledgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
XXXX : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** XXXX. XXXX XXXX : ** - **Name : ** XXXX XXXX XXXX - XXXX XXXX : ** XXXX XXXX. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/scrub> 2024 - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/scrub>, 2024, they have failed to provide a proper debt validation or purchase order.

XXXX. **Violation of FCRA : ** - XXXX XXXX XXXX has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA. 

XXXX. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness. 

Please investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your 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 2024-08-16 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:
XXXX*Subject : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against Sunrise Credit Service , regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** 1. **Creditor/Collector Information : ** - **Name : ** XXXX XXXX XXXX - XXXX*Account Number : ** XXXX XXXX. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/year> - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/year>, they have failed to provide a proper debt validation or purchase order. 

XXXX. **Violation of FCRA : ** - XXXX XXXX XXXX has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA.

4. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness. 

Please investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

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 2024-08-16 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: TX

Complaint narrative:
Equifax had a data breach between XXXX and XXXX XXXX XXXX Per Equifax 's records my personal information was impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: NY

Complaint narrative:
Im shocked and frustrated to find erroneous accounts on my credit report this morning. This discrepancy came out of nowhere, and despite refreshing my browser, the inaccuracies are still there. I need the documents I submitted to be thoroughly checked so that I can finally feel secure and stop worrying about 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: PA

Complaint narrative:
I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.

Company response to consumer: Closed with explanation