vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 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: IN

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TX

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.

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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
It appears that XXXX XXXXXXXX XXXX the Company ) successfully received a judgement for {$200000.00} against my former employer and attached my name to the judgement. As I was only an employee, I did not feel that I would be subject to any judgement and did not have the funds to hire an attorney. I hadn't worked for the employer since XXXX  and since have worked out of the state and further due to covid19 had to take employment abroad. My employer has since ceased operations and is no longer in business. 

With excellent credit I was recently turned down for renting an apartment and thus checked my credit report, to my surprise the company XXXX XXXX ( an apartment management company ) appears to have hired a Collections firm XXXX Southwest Recovery Services, XXXX TX ) reported a collections for {$200000.00} on my credit report as an upaid debt. This will cause devastating damage to myself and my family as it marks my otherwise good credit negatively. I believe that this company has done everything in its power to attempt to ruin me financially with this civil judgement, and now I believe has illegally obtained my SS # to negatively impact my credit. 

I am requesting assistance to make a complaint against both the Company and Collection agency and ask for an immediate removal of this negative credit mark. 

Thank 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
In 2021 the bank paid {$4600.00} in property taxes. This is a non-escrowed HELOC and I have paid the property taxes on time since the origination of the HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Over the last six months AFFIRM denied me credit on the basis that they could not confirm my identity. I have checked my credit report with XXXX, which is the credit bureau they use according to several of the agents Ive spoken with, and my personal information is updated and true. However, AFFIRM continue to allege that they cant verify my identity. 
On XX/XX/XXXX, I received a copy of a Decision to deny credit based on a credit report from XX/XX/year>. 

It is my belief that AFFIRM is using outdated credit reports for credit line approval, which it's not a business legal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I sent a letter disputing a debt that Mohela had been trying to claim was mine, I sent written correspondence on XX/XX/2023, as confirmed in their cover letter to their response. They provided some information, but did not provide any proof that the debt was mine, nor did they meet all of the requirements as laid out in 12 CFR 1006.34. Finally, they dated their letter XX/XX/2023, almost a full month later than the time allotted in the federal regulations. They have continued to harass me and have tried to collect on a debt that they have provided no evidence is mine. The XXXX that they provided doesn't have my signature, they just typed my name in the signature spot, I did not sign the document they provided as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I submitted to all XXXX, Equifax and XXXX the same letter regarding the law. The letter that I sent expressed the misuse of my information through the fair debt collections practices act 15 USC 1692g violations. The woman on the phone for Equifax, a supervisor name " XXXX '' said " the law doesn't matter and whatever a company sends them they have to report to my profile. I'm very confused as to why they do not respect the law. What should I do now? Nothing has been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite no changes to my credit report, Experian dropped by score by XXXX points. When I submitted an online inquiry asking for a reason as nothing negative was showing up on my credit report, Experian replied that they could not provide me with an answer unless I paid for a membership. This sounds like blackmail.

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Proof of payment history was provided, Hyundai is stating i had a late payment when clearly a XXXX payment was submitted. Yes, I had a family death and even being out of country a Payment was submitted. The bank I processed the payment did pay XXXX $ and clearly hyundai is showing a payment. somehow they fail to be transparent, stating they must show accuracy. How is that being accurate? Looking at my history never been an issue? Now XXXX was a problem. Be consistent and Transparent as a customer I expect a solution.

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 2024-02-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have received emails and phone calls regarding unauthorized accounts. XXXX contacted me for a payment on an account I have never opened. I processed a claim with them, and they investigated and saw that my identity has been used. I check my credit report after that and noticed some inquires that I did not authorize.

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 2024-02-12 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: NY

Complaint narrative:
I've been disputing this since at least XXXX of XXXX with TransUnion. I have sent out letters via certified mail to first, ask if the debt was mine. Second, I asked TransUnion to verify the accuracy of the information in accordance with the FCRA, Section 611 A through D. I asked for TransUnion to delete anything that is not 100 % accurate. I then shared that inconsistencies were reported between the XXXX bureaus and listed them inside the mailed letter. The date of the last activity was incorrect, and I pointed out the mistakes to be deleted. It's worth mentioning that when I disputed the inaccuracies with both XXXX and XXXX, they were removed from my credit report as what was reported was not 100 % accurate. I then disputed online twice with TransUnion on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX dispute returned results as information getting updated.The XX/XX/XXXX dispute returned results that shared the information will be deleted from the report. When I asked TransUnion when I can expect this to fall off my credit report, they shared with me that the only way for it to come off my credit report, despite winning the dispute is A letterheaded document from the servicer/debt holder that shares that the information can be deleted from my report, mentioning all the accounts, name of acct, date was opened, and partial acct numbers. With this, I reached out to XXXX XXXX  XXXX as that's what is shared on my credit report. XXXX shared that the debt was transferred to XXXX, hence having it paid in full, and closed. These were reasons I shared in my dispute that XXXX was able to corroborate. They then shared they were going to file a dispute on my behalf and shared that I need to speak with XXXX  to see if they can get it removed from my credit report. I spoke with XXXX and they shared they informed TransUnion in XXXX that they are now the debt holders of my XXXX  loans but since the adverse information on my report didn't originate from them, they are unable to do anything about it. The timeline they shared in which it should've been updated to accurately reflect on my credit report was 60-90 days, and 2 years later, it is still reporting negatively on my report- despite having an investigation result share that it would get deleted. Despite the other bureaus removing it from my report since it didn't report accurately across all the bureaus. Even how it's currently reporting is inaccurate, which also shares that an investigation never happened as XXXX is the holder.

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 2024-02-12 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: DE

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally refile a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists.

Background : I discovered discrepancies in my AMEX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602,
have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Account was Canceled by XXXX should not even be a debt collection available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Also 42 USC 408 asking for anyone 's SOCIAL SECURITY NUMBER on any loan and or credit card account is fraud and double dipping which is a violation of RICO. 15 USC 1666b there is no such thing as late payments which they continue to claim they're late payments on my credit report which again is fraud I believe they have been getting away with fraud so long they think they will never be held accountable.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. 

XXXX XXXX and XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

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 2024-02-12 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: Sezzle Inc.
State: CA

Complaint narrative:
I requested Sezzle to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!

Company response to consumer: Closed with explanation