vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting Act, XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. 
The following inquiries are Unauthorized : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have an auto loan with Suntrust Bank/Truist for XXXX XXXX years where I have never missed a payment nor been late with a payment. I attempted to upgrade my auto with a newer model but with the same payments I have been making for XXXX years on the older XXXX, but was turned down due to the fact that my student loans have an instituted XXXX deferment which the bank is using the 1 % formula to calculate the XXXX because the XXXX status and payment amount is not showing on my credit report. The deferment eliminates this status which is not fair to the consumers.This policy needs to change. These XXXX instituted deferments of student loan payments are a problem for students on XXXX because instead of showing up on credit reports with the correct monthly payment, the creditors are using the 1 % of loan formula to determine XXXX. This makes it impossible for a student to even get a basic personal loan. I have encountered several declines because of this issue with the recent one with Suntrust Bank/Truist . If my true IDR monthly payment was used on the credit report instead of " XXXX '' this would eliminate this problem. It is impossible to waive this deferment. With the deferment listed on my credit report, my XXXX is 130 % and with my XXXX monthly payment listed, my XXXX would be 42 %. This problem needs to be fixed. Of course, Truist does not take into consideration my payment history with them, stating I should dispute with credit bureaus. Even though I have proof of the IDR payment, the bank will not accept this information.

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On Monday, XX/XX/2022, XXXX PM ( ET ) I sent a message through the secure message system because I had lost my XXXX XXXX Rewards XXXX. 
Message read : To : Comenity Bank Subject : Lost or Stolen Cards Message ID : XXXX need to close card and get another ordered I have been making above minimum payments, paying interest and waiting to recieve my card. I finally got ahold of the company to let them know that I still haven't recieved my new card and request another card and they told me that they closed my account per customer request, which was incorrect. I spoke to a regular agent, she told me there was nothing she could do. I requested to speak to a manager, she also told me there was nothing they could do. She apologized and told me it was very clear by the notes on my account that I did not request for my Credit Card Account to be closed, it was obvious that I was reporting my card lost or stolen and I needed a new one. This was a 4 year old good standing account that was a nearly {$9000.00} credit line. This is SO BAD for my credit score and I need something done immediately. By law, there has to be something that I can do. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: LEXISNEXIS
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX Consumer Relations XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, XXXX XXXX : XXXX, for : XXXX. 
Under the name of : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX I am disputing this incorrect information. There has never been an XXXX  suite brought against me. 
There are also addresses listed in your system which do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your systems immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity.

Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
2mos ago navy federal gave me a 30day late which was there fault and they admitted it was there mistake, they told me I had to fix there mistake on my own so when I contacted you about the 30 day late they did correct it and because I contacted your agency they closed my account and have ruined my credit in the process. I have never been late with them the 4yrs I have had this account. This is a grave injustice to myself and I feel I have been XXXX XXXX because of this. I could see my account being closed if I was constantly late. That has never been the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
ive been a victim of identity theft with a credit card from sychrony bank being collected on by XXXX XXXX XXXX i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately 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 explanation
Consumer complaint received 2022-04-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-04-06 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: DE

Complaint narrative:
The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone 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 2022-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I filled out the identity theft form and provided proof that I don't live in that city on XXXX first and I also reschedule put to them in XXXX letting them know that the account was fraud and they didn't do anything. And everything I try to call they al hang up and can't give any information on what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
The mortgage loan was paid in full as of XX/XX/2022. The company, nor I, owe any additional payments, charges, fees to Select Portfolio Servicing Inc ( SPS ). In fact, the mortgage loan was overpaid on purpose so XXXX XXXX XXXXould realize that the balance will come to {$0.00}, regardless of how many illegal, deceptive, unethical, non-transparent and more importantly pure theft charges, fees and " made up '' balances they want to attempt to make. 

There is a bank account that was linked to the online payment system within SPS at www.spservicing.com. This is a primary bank account that is treasured. Low and behold, what do you know?! SPS has found a way to LOCK, BLOCK and completely STOP the bank account to be fully removed, even though there has been a XXXX Balance / Paid In Full Account dating back to XX/XX/2022! 

See the attached screenshots. This is a literal fact that SPS has completely removed all abilities for me to legally remove my bank account from the online account. 

Here is the icing on the cake!! 

Select Portfolio Servicing Inc. has done it yet again. They not only have locked me out from removing my bank account from the online system, but they also have recurring payments scheduled starting XX/XX/2022! This is pure theft! The mortgage loan is completely paid in full over a month ago. And SPS finds a way to top themselves yet again! 

My bank account must be removed this week by Friday XX/XX/2022 at XXXX PM EST. 

All banking information and banking accounts must be fully removed from my online account Friday XX/XX/2022 at XXXX PM EST. 

All current, pending and future illegal payments that SPS has in their system and all payments that SPS has completely and illegally locked me out from disabling and voiding out, needs to be fully removed and updated by this Friday XX/XX/2022 at XXXX PM EST. 

This is pure theft, this is illegal, this is highly unethical, and I will not stand for this for another moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I contacted wakefield and associates multiple times and emailed documents twice about removing this {$1300.00} debt that is now {$1400.00} on my credit by XXXX XXXX XXXX XXXX. I was promised it would be removed and till this day its still on there. This bill was paid on XX/XX/2019 by XXXX XXXX XXXX at time of discharge. This was never owed. The hospital sent me docs to prove. I submitted complaint to XXXX  and wakefield did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Nelnet, Inc.
State: NY

Complaint narrative:
There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

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 2022-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

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 2022-04-06 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: IL

Complaint narrative:
n accordance what the fair credit reporting act XXXX Account XXXX XXXX has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act 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 : its also says a consumer reporting agency Can not furmish 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 explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
n accordance what the fair credit reporting act XXXX Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: CO

Complaint narrative:
I received a bill in the mail for a crypto currency company named XXXX that was charged to my name. Im a full time college student away from home, so when I saw this I was extremely confused. There has been an instance of fraudulent activity involving my name and birthday. I have never used this XXXX app a day in my life. I talked to the collection agency and they sent me here to complete this form

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
the company in question ( FLAGSTAR BANK ) is not handling my application for COVID-19 related hardship properly! they explained that im essentially / technically in debt collections during my three month temporary forbearance request and is asking me over & over to substantiate my COVID-19 hardship claim. my wife recently received a letter from her local school district job, outlining that reduced enrollment from COVID-19 related hangover ( from families whove moved out of CA or are now homeschooling ) is creating budget gaps. these gaps are to be lessened by workforce reductions, this is a traumatizing beyond our control event directly impacting personal finances! FLAGSTAR BANK is treating me like a criminal here with zero compassion for our financial situation, as i explained this is the second time my family has been through this. they will not elaborate on how the loan mitigation application, loan modification program works and whether or not its a favorable option ( given the current mortgage rate environment ). to plan ahead, i need to know quantifiably speaking how the math works on all the available remedy options post forbearance period ending.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief