vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: AR

Complaint narrative:
I have contacted Prosper by Phone and email the post two weeks, and all three times they stated they were working on removing the Annual Fee for Accounts with Auto Pay. Its been two weeks and the Fee is still on XXXX Account.

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 2022-05-06 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over XXXX. On one of the reports ( XXXX is showing score of XXXX ) there is a closed collection account that is not mine with Affirm. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to Affirm and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. Affirm stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX Bank in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATION/XXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is for both Equifax and XXXX Banks with whom I had a XXXX XXXX XXXX back in XXXX. I opened the account kept it in excellent standing, and after paying the card off the next year I closed it. It remained on my Equifax credit file as and account in good standing until XXXX. 

In XXXX, XXXX bank sent me an email saying I should call them and update my mailing address. When I called I was told that the closed account had a positive balance and they said they would mail me about {$40.00} to the updated mailing address I had just given them. I never received the check. Around this time I also noticed that XXXX was only updating the status of that account to Equifax and not the other two credit bureaus. I called XXXX and they said that they would reinsert them to the other files. 

In XXXX I saw that on my Equifax file XXXX had done a hard inquiry, which I did not feel was necessary or justified since I no longer had an open account with XXXX and since it negatively impacts my credit score. 

In XXXX of this year XXXX sent me a strange letter saying that they investigated my claim ( which i never asked for ) and found that the account was not opened by me ( it was ). The rest of the letter detailed how they would remove it from my credit and shut down the closed account. Today on XX/XX/2022, I called XXXX and told the file m in no uncertain terms that the XXXX XXXX account wa opened by me, paid regularly and paid off and then closed by me. They told me that Equifax disputed not the inquiry, but rather disputed the legitimate account on my behalf and therefore they could not reinsert and suggested I call Equifax. 

A series of bumbling errors have been made by both companies and the end result is that is detrimental to my credit file. The XXXX extras card was opened by me, is mine and as such I have a right to not have it disputed without my permission as there is no error in its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX for NC XXXX Account # XXXX ) has violated my rights ;. 

15 U.S.C. 1681 section 602 A states I have the right to privacy. 

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

See Page 10 of first attachment and See Page 1 of dismissal from court

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 2022-05-06 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : 1861 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mother added me to her bank account as convenience, because she had a XXXX and was XXXX. She also has XXXX XXXX XXXX. I did not put a dollar in her account and I don't spend from her account unless I'm doing something for her. However, Truist has placed a levy/garnishment for child support that I don't owe. Moreover I was NOT served with the garnishment notification from Truist. I received a call from my mother on XX/XX/XXXX stating she received some paperwork from Truist " with all your personal information including your social security number, and your child support account number. '' I belive the letter was dated XX/XX/XXXX but mother didn't receive it until XX/XX/XXXX. My mother lives in Florida and I live in Georgia. I didn't receive any communication from Truist. I would not have known if mother didn't tell me. I called Truist to find out why my mother 's account was garnished and I was told to call the child support office. I asked why I didn't receive anything from Truist about the garnishment, again I was told to call the child support office. I asked why my private information, including documents from the court, and my social were sent to my mother instead of me but I was told to call the child support office to find out. Truist has essentially refused to give me any information about what happened. My mother didn't know my social security number and she didn't know my child support account information. In fact I asked my wife to call the child support office in the past, and they wouldn't provide any information without my consent. What makes it worse, is that Truist pays my child support from another checking account with my wife. So if I owe {$690.00}, it means Truist hasn't been paying the money that they remove monthly. My wife paid it via bill pay, and Truist sends a check to the child support office each month. To conclude, Truist has violated my privacy by sending my private information to my mother instead of me. Truist is refusing to answer valid questions, and Truist did not notify me of the garnishment.

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 2022-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. 

In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. 


They did not indicate if they are licensed in the State of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-05-06 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: OH

Complaint narrative:
I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian completed the investigation regarding the incorrect Bankruptcy reporting on my credit report. They concluded the investigation by saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX completed its investigation in XX/XX/2021 and deleted the bankruptcy information from my report. 

Attached you will find screenshots of Experian website with the reason they're keeping the incorrect bankruptcy reporting on my credit report. 

I would like to know what other company besides XXXX is reporting this bankruptcy to Experian.

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 2022-05-06 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: Union Home Mortgage Corp
State: CT

Complaint narrative:
I did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.

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 2022-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX AND TRANS UNION ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX  LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

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 2022-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, EQUIFAX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

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 2022-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
CALLED THE FEDERAL STUDENT AID DEPT ABOUT THE STATUS OF THE DISCHARGE OF MY FEDERAL LOANS SINCE MY APPROVAL OF SUCH DISCHARGE 8 MONTHS AGO AND WAS NOT GIVEN A SUFFICIENT ANSWER ON WHY THEY WERE NOT DISCHARGED AS OF YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX Account # XXXX ) has violated my rights ;. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
We are trying to register our car in XXXX. We just moved from XXXX We need documentation from the bank to do this. We have requested the information multiple times over several months. They fail to complete the paperwork and fail to communicate with us about the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions

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 2022-05-06 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have a credit inquiry on my report from XXXX XXXX and I didnt give them permission to run my credit. Furthermore I dont even know this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The company ( Coinbase ) created a 12 word seed phrase  password without emailing me the password in XX/XX/2021. They then logged me out of my account the day before the value of my portfolio was expecting a jump in value and will not allow me to log back in without this new seed phrase that they created saying that they don't have access and can't send it to me via email. They should not be allowed to not have a mechanism for restoring these passwords in this day and age especially one that they themselves created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Credit Plus Inc
State: TX

Complaint narrative:
I have a credit inquiry on my report from Credit plus and I didnt give them permission to run my credit. Furthermore I dont even know this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX years old without telling me how nor showing proof...

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