vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I was told that my final principal balance is {$740.00}. If I paid that it would payoff my mortgage loan. I paid that in XXXX but payment was applied to principal, interest and escrow with {$130.00} in unapplied balance. XX/XX/XXXX I get a demand letter stating that I owe for 2 months. I don't owe 2 months. This information was sent to the credit bureau. My XXXX statement shows that my interest bearing principal is {$420.00} with a notification ( this notification has been on the last 3 statements ) stating that they are unable to provide me with a payment amount at that time since my outstanding interest principal is less than my regular payment. So I called to see what I can do to resolve this and the lady was more worried about my 2 payments that they show that I am behind on. I tried to explain that I wasn't behind. She wasn't able to help me. So I make a payment in the amount of {$280.00}. With that payment and the unapplied balance it comes up to the {$420.00} that my XXXX statement showed. I get another demand letter stating I owe for two months. I don't owe this money. Again this is sent to the credit bureau. There website today shows that I am past due since XX/XX/XXXX. My XXXX statement shows {$420.00} in unapplied balance. I have dispute all this with their dispute department and I have received two letters a month apart stating that it will take them 30 days to check into this. Today I am disputing the escrow amount on their escrow statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
under 15 usc 1666b these accounts listed in attached documents is a billing error. please UPDATE ALL LATE PAYMENTS ON ALL ACCOUNTS TO PAID AS AGREE OR ON TIME. 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 2024-03-21 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: GA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
Equifax has been reporting this account late and has not verified the information is accurate. I have asked Equifax to show PROOF of the steps they have taken to validate the reporting and Equifax still hasnt done so. I was also affected by the Equifax breach which also questions the accuracy of their reporting. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found that XXXX is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, 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 2024-03-21 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 have found an account ( XXXX XXXX ) on my credit report that I did not authorize and this accounts need to be removed immediately, pursuant USC Title 15 1681b. I am writing to request immediate federal intervention regarding unresolved identity theft on my consumer credit report by : Experian Information Solutions Inc . Although I have received notice the account had been removed, the fraudulent account remains on my report ; this action violates my rights under the FCRA and to inflicts financial harm to my Family. I urge the CFPB to uphold my consumer rights as per the FEDERAL TRADE COMMISSION, to ensure immediate removal of this account : 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I was told that I needed {$460.00} to clear a repossession order for being 70 days past dueXXXX  On dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made payments totaling {$770.00} ... They have still issued a repo order and I was told today that I have to pay {$250.00} today or my truck will be taken. I was further told that I'm 113 days past due, even though on XX/XX/XXXX I was told I was 70 days past due and needed only {$460.00} to clear the repo order XXXX I paid almost double what they needed to clear the repo, yet today I was told I'm in repo session status and 113 days past due

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please delete these inquiries. I am not familiar with this and the company acted without my authorization.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX I used my Ally debit card to make an online purchase with a merchant XXXX XXXX XXXXXXXX in the amount of {$270.00} via XXXX. My Ally card was charged {$270.00}. The order was shipped and delivered ahead of the original estimated delivery time and was delivered on XX/XX/2023 via XXXX. Unfortunately, the order was delivered to the wrong location and I did not receive anything. XXXX stated that since the merchant didnt request a signature they have the free will to leave packages where they want. They also marked the package as lost and advised me to request the shipper to file a claim. The merchant has failed to do so, and is unwilling to provide any assistance. They also stopped responding to my emails. In XXXX I decided to file a dispute with Ally Bank an allow them to take over and protect me as one of their consumers. I provided ample evidence to prove my case, the merchant failed to respond to Ally regarding the transaction and sadly Ally Bank denied my claim. They advised me to contact the merchant. Ally has failed to provide me any assistance, they have violated my rights as a consumer, they wont allow me to speak with anyone in the disputes department, ignored my secured messages Ive sent to them on their platform, and allowed a merchant to rip me off out of my money. A dispute shouldnt be denied because a merchant is flagrantly violating the terms of the agreement and/ignoring the banks request. It is illegal for a bank to handle a claim in such a manner.

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 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
They are trying to collect an erroneous debt from me while erroneously reporting it to thy credit bureaus. This is a violation of the law.

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 2024-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/year> - Received an email from my XXXX XXXX account stating that Bank of America checked my credit report in regard to a new credit card or loan. XX/XX/year> - I have notified XXXX and they issued a Fraud Alert and XXXX XXXX Department issued a security freeze on my identity. XXXX suggested I contact CFPB to report this issue. They also suggested I contact Bank of America. I will do that as soon as I submit this report. 

XX/XX/year> - Received an email and text alert from my XXXX XXXX XXXX asking if I charged {$41.00} to XXXX XXXX  from a location in XXXX? I contacted XXXX XXXX and they closed out my charge card and have issued me a new card. They stated XXXX XXXX tried 3 times to charge the {$41.00}.

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 2024-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my credit report. Upon careful review of the information provided by your agency, I have identified several inaccuracies in your reporting. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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 am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my credit report. Upon careful review of the information provided by your agency, I have identified several inaccuracies in your reporting. 

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 2024-03-21 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: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
TO EXPERIAN, Upon reviewing my credit report, I've identified several inaccuracies and unauthorized entries. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 sections 602 A and 1681s-2 ( A ) ( 1 ), I am entitled to privacy rights and accurate reporting of my information. It is stated that any information provided to a consumer reporting agency must be accurate and furnished only with the consumer 's consent.

The accounts listed below, affiliated with Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX appears to violate my consumer rights as outlined in the mentioned sections. As per the law, consumer reporting agencies are obligated to operate with fairness, impartiality, and a commitment to preserving consumer privacy.

I request the immediate removal of these accounts from my credit report to ensure compliance with my rights. Additionally, I would appreciate receiving an updated copy of my credit report to confirm that my consumer privacy rights are being respected and upheld.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have a debt on my report that is not mine. I disputed the issue but they are saying it will remain. 
It is from an apartment complex that only gives an address. No name. XXXX XXXX. The number provides, no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-21 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: WY

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one reported my credit card and car payments as late which violates 15 USC 1666 b. I want a monetary remedy at XXXX per violation. please see attached credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
I would like these XXXX items removed off all three of my credit bureras because this is hurting my credit score. Please remove these items off my credit report ASAP! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$21000.00} Acct Number XXXX XXXX XXXX  date opened XX/XX/XXXX highest balance {$320.00} acct XXXX XXXX XXXX Date XX/XX/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