vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: Affirm Holdings, Inc
State: NC

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 AFFIRM INC, Account # : XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs 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 2024-09-15 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried creating an Experian account in XXXX, XXXX, 2024, but when I did, I got this message : Experian is committed to protecting your personal information. Unfortunately, we have not been able to properly identify you from the information provided.

Please note that your order has been canceled. If you continue to have issues, please contact Customer Care at XXXX. 

I tried contacting customer care, but it just gives me an automated system that say to the website, which I dont find any useful information in.

I attempted to create an account again today, XX/XX/year>2024, which the same thing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. 
I have had a credit card with TRUIST since XX/XX/XXXX, I am very careful where I put my card for fear that my information will be stolen, I am a customer who always makes his payments on time, on XX/XX/XXXXXXXX  I made the mistake of paying in XXXX with the physical card and from there the storm began with this bank. 
I have opened more than 10 cases of fraudulent transactions since that date, no matter how many times I cancel my card, the same company ( XXXX  ) continues to charge it, the bank does not take action on the matter, it only cancels and sends a new card and Sometimes without having reached my hands, the same company has made new charges in it, HOW IS THIS EXPLAINED?????? Well, the only answer that the TRUIST fraud case representatives have is that XXXX gives my new card information to the company over and over again ... and no matter how much I have spoken with supervisors, I have gone to branches, I have written letters to customer service, I have written bad reviews about the bad service from the representatives, TRUIST DOES NOTHING, they just send a new card, I am in a circle that I can not get out of, they have already affected my credit score, adding a REMARK CODE for all open fraudulent cases! The representatives of TRUIST refuse to give their name and when I ask to be connected to a supervisor all they do is transfer my call to another representative. 
I am sending this case to several places, lawyers and CFPB ; in my opinion it is very serious, not only have I spent hours behind a phone talking to representatives ( time is very important ) but I have also had very bad times, I have evidence of all the calls and all transactions with date and time, I immediately request that this case be resolved and that I be given the response that I have been requesting since XX/XX/XXXX and that no representative or manager has been able to give me. 
I don't understand how it is possible that XXXX continues to make charges on my card without giving my consent that I am the only one authorized, I have never had business with this company and no matter how much I say that they block this company and put up a red flag TRUIST DOES NOTHING!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$670.00} XXXX. XXXX XXXX XXXX  {$890.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX  XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UPGRADE, INC.
State: TX

Complaint narrative:
This company has reported three charged-off accounts on my credit report. Due to several data breaches involving my personal information, I requested validation of the debt but never received it. Instead, the accounts were listed as charged off until I disputed them with the credit bureaus. A year later, a third-party agency, XXXX, contacted me about a debt from XXXX XXXX , which was originally claimed to be owed to Uplift. I again requested validation of the debt, but instead of providing that, they offered a settlement of {$170.00} with the promise to remove the accounts from my credit report upon payment. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection and that Uplift would remove the accounts from my credit report. However, despite my payment, XXXX XXXX continued to report this account as a collection, and Uplift still reports three accounts as closed/charged off, which they never validated as my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My current mortgage servicer Select Portfolio Servicing Inc. ( SPS ) continues and refuses to provide me with proof of documentation regarding information related to an alleged principal balance of {$13000.00}. SPS states my previous servicer XXXX XXXX XXXX ( XXXX ) had placed that amount on my account upon transfer. SPS states this alleged principal balance was due to delinquencies resulting in default and that the amount was placed at the end of the maturity as an " interest sweep '' to bring the loan current. On XX/XX/XXXX, I agreed to pay a Mortgage Reinstatement Quote for the amount of {$42000.00} to prevent foreclosure. This amount was satisfied in full prior to the deadline of XXXX, XXXX, XXXX. There was never any mention of a deferred balance owed on the Mortgage Reinstatement Quote. SPS states this agreement to defer the alleged principal balance was a verbal agreement. I have requested proof of this documentation multiple times and they continue to tell me it will not be provided because it is considered privileged or proprietary information. SPS states the deferred principal balance must be paid at the end of the maturity date in one lump sum. I have made multiple attempts to request this proof of documentation and proof of the history of my loan account for review. They continue to state the alleged deferred balance is a separate issue from the Mortage Reinstatement Quote that was satisfied in full but they will not provide what is rightfully mine to review. I have attempted my requests through Appeal Letters, Qualified Witten Request,, Error of Resolution Notice and multiple verbal conversations with SPS representatives to include their unneutral SPS Ombudsman Department. I had previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX with attachments to review. SPS responded to the complaint but with no proof of the information requested. I have consulted with legal counsel and have been told SPS should have my entire file in their possession to provide me with any information requested regarding my loan. It is my right to request and not be told it has to be paid as stated by XXXX without the proof requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed chapter XXXX XXXX  in XXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the XXXX XXXX I have been with for over XXXX  years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my XXXX  was still pending!!! It had been XXXX over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of XXXX  purchased a brand new vehicle. This XXXX  not showing its having been XXXX has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over XXXX XXXX because of my credit rating. Had i not contacted TransUnion and was informed by my XXXX XXXX, I was not aware of that XXXX  still not showing the XXXX  as being XXXX. I informed the XXXX  that filed for me and havent heard back from them. I know my XXXX  was filed XXXX and ordered because I worked for the United States XXXX XXXX my XXXX  was filed in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
Equifax is allowing false information to be reinserted on my credit file including hard inquiries that were removed and accounts that were removed and have been placed back on there even after providing multiple ftc I'd theft reports and police reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NV

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX Email : XXXX Phone : XXXX DateXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Information - XXXX XXXX Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Account Type : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Past Due Amount : XXXX as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Misleading practices causing harm to XXXX students Harm to credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation