vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: MI

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade failed to file ( turn in ) a completed Motion to Reinstate Case on Docket and Notice of Hearing form within 30 days of the judge signing the dismissal order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) XXXX XXXX  account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank of America, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-02 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: Self Financial Inc.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) Open sky account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX ) XXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX ) Self lenderXXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Self lender, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) Self lender, account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX/DEPT OF XXXX, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ALLY FINANCIAL RECEIVED THE PAYMENT FOR MY TOTAL LOSS PAYMENT XX/XX/2021 IN THE AMOUNT OF XXXX, XXXX. THE ACCOUNT SHOWS CHAGED OFF WITH A BALANCE. 
IN REFERENCE TO THE ALLEGED CLAIMS : I have not supplied proof under doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume no proof of alleged debt, nor therefore any such debt, in fact therefore exists. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission.

Billing error- 15 U.S. Code 1666 - Correction of billing errors. 

15 U.S.Code 1605 ( a ) finance charge sum of all charges insurance for the vehicle and insurance to cover health, life, accident, and gap insurance and NO CASH DOWNPAYMENT. 

THE OWED BALANCE IS DIFFERENT PLEASE SEE THE ATTACHED DOCUMENTS. 
THIS COMPANY ALSO TOOK AUTOMATIC MONTHLY PAYMENTS WHEN LOAN WAS CLOSED. I WILL LIKE A REFUND IN THE AMOUNT OF {$2800.00}

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 2023-10-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, 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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: CA

Complaint narrative:
I am writing the CFPB to inform you of the improprieties conducted on behalf of Spire Recovery Solutions. Spire Recovery Solutions has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Spire Recovery Solutions is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : 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 XXXXXX/XX/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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This Company / Credit Reporting Agency refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the compla

int. THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified 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  I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XXXX XXXX  I saw that my student loan auto-payment hadn't been drawn from my account. I logged onto NELNET and saw that my account was listed as past due, and that an auto-debit payment was scheduled for XXXX. 

I immediately called NELNET to discuss the issue and was informed that this was a " known issue because payments were due on a XXXX XXXX so they could not withdraw the funds, '' however all of my other auto-debits ( rent, credit cards, subscription services, etc ) processed as normal. The rep told me that because payments couldn't be processed on a XXXX, they would be " processed the next business day, ''. When I clarified that today ( XXXX ) was the next business day, I was informed that the payments were being processed tomorrow ( XXXX ), but going forward it would be on the next business day. 

When I asked if there were any negative consequences of my account being listed as past due I was assured there would not be any, however interest is still accruing on these accounts and I am marked as having missed my payment at this time. 

It's outrageous that Nelnet is still completely unprepared to process payments and is marking borrowers as " past due '' when they are the ones at fault for not processing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name ( XXXX  XXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I received my 2023 Annual Escrow activity indicating the account was below the expected amount and my total payment would be increase to account for the difference. When reviewing the escrow account summary for the three years I have had my mortgage, I noticed each section from actual activity runs from XXXX to XXXX. There is a section for anticipated activity for XXXX ; however, I would expect that the following year would show the actual activity. None of the summaries provided show the actual activity for XXXX of each year. This is a problem for me because my Insurance and Property taxes tend to be paid around this time, but I an unable to verify through the escrow account summary the actual activity taken. I spoke with XXXX who advised that the summary do no show actual activity for XXXX and I would need to review my monthly mortgage statements for this information. She did follow up with me to provide all the actual activity for the entirety of my account ; however, this is not satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is a debt opened by someone else and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
My social security number is XXXX on my equifax Credit report theirs is XXXX negative item that's 60 days late the account is a negative item that's fraud I filed a federal trade commission identity theft report on file these items should be removed right away

Company response to consumer: Closed with explanation