vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
Dear Sun loan In regards to the installment account opened in 2015, it has been brought to my attention that you claim that I owe {$130.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$130.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
2nd complaint - the first response was addressed to someone other than myself - I don't live at or have any knowledge of the address listed on response ( XXXX XXXX, XXXX XXXX, CA ). I did not apply for a refinance, our loan did not process in 2020, nor did I apply with a 3rd person. This response does not belong to me. 

My rate was locked 8 days after updated credit report was generated and discount points increased the day after rate lock with no new information or valid change known at least 3 business days prior. Per the CFPB TILA-REPSA disclosure rule, the lender " may not issue revisions to Loan Estimates because they later discover technical errors, miscalculations, or underestimations of charges. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have changed my last name legally and now Equifax is not showing a credit score or allowing lenders to pull my score and report information. I have not been able to have access to a credit report or score for Equifax since XXXX is XXXX. I have confirmed the my name, address, DOB, and SSN are all correct with Equifax and there are still issues. This had been on going for over 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reviewing my credit file i noticed some inquiries that i did not authorize for the following XXXX inquiry XXXX XXXX, XXXX XXXX inquiry XX/XX/2020 and XXXX XXXXXXXX XXXX inquiry XX/XX/2020.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Dear XXXX, Transunion and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Dear XXXX, XXXX and Experian I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I looked at my credit report recently and seen this company AMERASSIST AR SOLUTIONS attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, Equifax, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
We have been with Bank of america mortgage for 15 or more years and have never been late with a house payment.In XXXX of XXXX my husband passed away and I lost all income except Social Security.In XXXX of XXXX i applied for a modification loan with Bank of America.They had me make three trial payments of {$650.00} on XXXX, XXXX and XXXX which was {$100.00} less than the normal payment and told me several times and even had it in the paper work that I could not make anything but that amount.I called them several times to ask about the payments that I was still receiving with the old amount and they assured me that it would all fall into place after the three months were up.After the new loan amount went thru they put 3 late payments on my credit report for XXXX, XXXX and XXXX which has affected my credit report very much.I have disputed it thru XXXX and XXXX with no results and was told by a manger with Bank of America that they were not changing it.Of course this is effecting me trying to find cheaper insurance or anything else.I really need some help with this.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX for my auto loan account. 

I want you to know that I understand my financial obligations, and if it werent for COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made effort to ensure I contact you all about any financial assistance when needed. Since XX/XX/XXXX, Ive had a spotless record of on-time payments. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX. It would also help if you removed the late payments from XXXX and XX/XX/XXXX as well. 

While Im well aware that your purpose is to report late payments, I am also aware that you are under no obligation to report any of these late payments to the credit bureaus. 

That being said, your full cooperation in deleting the late payments is appreciated. 

Thank you for your consideration, and I hope youll approve my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation