vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Amsher Collection Services , Inc. for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that their actions have infringed upon my rights as a consumer, and I am seeking your assistance in resolving this matter.

Firstly, I would like to bring to your attention the fact that Amsher Collection Services , Inc. has been attempting to collect a debt from me that should have been returned to the original creditor, Charter Communications, LLC. As per the FDCPA, it is illegal for a collection agency to pursue a debtor without a written agreement [ 4 ]. I have not entered into any written agreement with Amsher Collection Services , Inc., and therefore, I believe that they are in violation of this provision.

Furthermore, I have requested documentation from Amsher Collection Services , Inc. to validate the legitimacy of this debt, as is my right under the FDCPA [ 3 ]. However, despite multiple requests, they have failed to provide me with the necessary documentation supporting their claim. This lack of response raises concerns about the accuracy and validity of the debt they are attempting to collect.

In addition to the above, I would like to highlight that Amsher Collection Services , Inc. has failed to respond to my dispute letters within the time frame required by the Fair Credit Reporting Act ( FCRA ) [ 2 ]. Their failure to address my concerns and provide a satisfactory resolution is a clear violation of the FCRA.

Based on the aforementioned violations, I kindly request that the CFPB thoroughly investigate the conduct of Amsher Collection Services , Inc. and take appropriate action to ensure that my rights as a consumer are protected. I believe that their actions have caused undue stress and harassment, and I am seeking appropriate remedies for the damages I have suffered.

In conclusion, I urge the CFPB to take swift and decisive action against Amsher Collection Services , Inc. for their violations of the FDCPA. I request that you hold them accountable for their actions, and that you work towards a fair resolution of this matter.

Thank you for your attention to this complaint. I look forward to your prompt response and the resolution of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
I recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies 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 non-monetary relief
Consumer complaint received 2024-04-22 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.

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and I notice I have fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain credit.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 
I am an active XXXX XXXX  of the XXXX XXXX. 
Seeking assistance in removing inquiries that have not been approved by me. 
Tried contacting these creditors with my limited available time. Some do not show me in their system, and others unable to reach anyone without being placed on hold for almost XXXX hour. 

The creditors below have pulled my credit without my consent. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TN

Complaint narrative:
I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with XXXX name, XXXX date of birth, and XXXX address. All of the other information is inaccurate on my report. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: AL

Complaint narrative:
I requested that TransUnion send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently three ( 3 ) collection accounts showing on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting PROOF OF THESE ALLEGED DEBTS be provided to me immediately. Proof needs to show WHEN these companies obtained these accounts from the original creditors. I am also requesting proof of the original consumer signed contracts with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where these alleged debts were sold to each collection company with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that these collection companies are licensed to collect in my state, with each collection company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am having a problem with my student loan provider Sallie Mae. I am XXXX XXXX  and I am XXXX XXXX XXXX I have told them I am iXXXX XXXX  I have mailed them deferment letter. I have uploaded the deferment letter. I have called them. They insist I am past due when I am in school full time. They have reported me to the credit bureau and destroying my credit,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 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 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 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 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
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLI REVIEW A COPY OFMY CREDIT REPORT AND IHAD FRAUDULERT ACCOUNTS ON MY REPORT, PLEAS REMOVE THESE FROM MY REPORT, THEY ARE HURTING MY ABLLITY TO OBTAIN CREDIT THANK YOU

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 2024-04-22 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: MOHELA
State: CO

Complaint narrative:
XXXX XXXX with XXXX  XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, XXXX and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach XXXX XXXXXXXX XXXX, MOHELA to correct the situation. Loan has not reporting on XXXX. 
MOHELA was able to locate my account. Account number is. XXXX. Email address that was associated with the loan is XXXX, phone number is XXXX and address is XXXX XXXX XXXX. 
MOHELA was unable to email me the packet needed to file the complaint. Waiting to receive package in postal mail. Police report filed and police found that the email, phone number and address are not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report.They are hurting my ability to obtain credit.

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 2024-04-22 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 recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. The account was not opened by me and I do not recognize it or the name. Please remove the fraudulent account from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I bought a house in XXXX. Pennymac bought my loan soon after the initial purchase. In XXXX mortgage was {$1500.00}. The principal and interest payment was {$820.00}. The extra was for escrow to pay my taxes and insurance. In XXXX, my taxes was {$4000.00} and my homeowners insurance was {$3800.00}. The following year of XXXX, my payment increased to {$1600.00}. The principal and interest stayed the same ; and my taxes increased to {$5100.00}. Homeowners insurance change. I had homeowners insurance at {$860.00} and wind insurance of {$2500.00} for a {$3400.00} insurance total for the year. In XXXX, my payment decreased to {$1400.00}. Still my principal and interest payment was {$820.00}. My taxes were {$5600.00}. My home insurance was {$920.00} and my wind insurance was {$2800.00} for a {$3800.00} insurance total for the year. My recent escrow analysis states I am negative {$2800.00} and am short {$4000.00}. To make up for this they are trying to increase my escrow from {$630.00} to {$910.00} and add an escrow shortage {$460.00}. This would increase my payment over {$800.00} from XXXX to {$2200.00}. How can this be if things minimally have changed. Someone mismanaged my account over the years. They are saying it's because they have never paid my wind insurance but that is incorrect. They have always paid my insurance. Someone miscalculated and expect me to make up the difference. I am a public educator and I can not afford an {$800.00} increase. {$800.00} a month for a year is {$9600.00}. How can there be that much of a discrepancy. I will either have to sell or default. In addition, I finally applied for a homestead exemption and they don't seem to care. I don't want to loose my house but all they do is give me the runaround and don't offer an explanation, just an excuse about suddenly paying my insurance. I want the truth. If they mismanaged my account, I want them to pay the negative escrow. It's not my fault. I paid what they asked for over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2023 this company XXXX XXXX opened a fraudulent account in my name. I noticed a new account on my account from XXXX XXXX XXXX in XXXX. This account was unauthorized by me &. Ive disputed account multiple times. Ive filed fraud documentation and call my credit bureau, Ive tried contacting the company by email & phone. This account is not mine & according to the FRCA law it has to be removed because it was unauthorized!

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2024, I sent a affidavit to Synchrony Financial CEO stating that his company has been put on NOTICE that they are furnishing incorrect inaccurate information. Explaining they are PROHIBITED BY LAW to furnish inaccurate information, while demanding to Cease and Desist the reporting of the incorrect and inaccurate information immediately. No updates have been made as of yet! 
Letter is attached below explaining the law ( s ) that consider this information 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE Inc. contacted me through mail saying they were referred by Department of Veterans Affairs/US Department of the Treasury trying to collect a debt of {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$3400.00}

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 2024-04-22 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: CO

Complaint narrative:
Student loan with Missouri XXXX XXXX reported on credit report as of XX/XX/2024, Initial amount was {$1500.00}. Credit report from XX/XX/2024 indicates a loan amount of {$3500.00}, Disputed loan through Credit Reporting agencies, Transunion and XXXX. Dispute was unsuccessful. Both credit agencies indicated credit is valid. Unable to reach Missouri XXXX XXXX, XXXX to correct the situation. Loan has not reporting on XXXX. 
XXXX was able to locate my account. Account number is. XXXX. Email address that was associated with the loan is XXXX, phone number is XXXX and address is XXXX XXXX XXXX. 
XXXX was unable to email me the packet needed to file the complaint. XXXX to receive package in postal mail. Police report filed and police found that the email, phone number and address are not valid.

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