vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Dear CFPB, Affirm Inc. is not adhering to the protection order for credit reporting under the statute below. I contacted Affirm Inc. customer service on XX/XX/XXXX, on a recorded phone line ; the person stated he would share my concerns about the credit reporting to find a solution. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to consumer reporting agencies. 

XXXXXXXX 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 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XXXX XXXX XXXX XXXX Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: FL

Complaint narrative:
I have no bankruptcy on file but every time a company denies me it is because of bankruptcy. My credit report shows " Hurting your credit score There is a bankruptcy on your credit report '' In another part of my report it shows " Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.

You currently have no bankruptcies on your credit file.

If you recently had a bankruptcy, it could take a couple months to populate to your credit report. ''

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22 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: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me.

This account was not made by me or authorized by me. 

XXXX XXXX  account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: SC

Complaint narrative:
Applied for a home Equity Loan through XXXX XXXX XXXX XXXX XXXX. WHen the ran our credit report, Equifax released our information out to every lender in the US without our permission. Have received numerous unsolicated phone and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with Portfolio Recovery for awhile now. I have sent debt validation and never got a response and I have disputed directly with the consumer reporting agencies and all they say was the account was verified but never showed any proof. For starters the reporting with the consumer reporting agencies is inaccurate.. So you mean to tell me that every time I have dispute this account you verified different information to each consumer reporting agency?? Sounds like a violation to me. Because everyone knows that anything reporting must be 100 % accurately and since each consumer reporting agency is reporting something different I know thats not right. 
Second, I never received a contract with me and XXXX XXXX or me XXXX XXXX and Portfolio Recovery. I never received an itemized statement from the XXXX XXXX account. I never received anything showing that Portfolio has the right to collect this debt. 
Now, I am demanding this account to be deleted from my consumer reports due to inaccurate reporting and Portfolio Recoverys violation of the FDCPA/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-22 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't want to see this anymore in my 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying Transunion that I dispute these alleged debts pursuant to 15 USC 1692g. I request that you provide me verification of these alleged debts. Verification of this alleged debts., Verification consists of proof that this alleged debt belongs to me, a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt Is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collections of this alleged debt which includes reporting to my consumer report with Transunion. 

Furthermore, I did not consent to having my personal and private information. This constitutes aggravated identity theft. I also did not consent to the reporting agencies to report the below collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley AcXXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a WARNING! You have violated my rights as a consumer and if you do not cease all collection activities on my credit report and request for this account to be deleted from my consumer report, I will commence a civil action against your company, In the United States District Court. 

Sincerely, 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX, XX/XX/2023, I applied with American Express via the phone and was approved for their XXXX XXXX XXXX American Express XXXX credit card product. 

On that same day, I spoke with their customer service agent to confirm my eligibility for that card 's welcome bonus promotional offer. 

That customer service agent 's name was XXXX, and they worked for the XXXX XXXX XXXX department XXXX American Express. They re-confirmed that I was indeed eligible for the welcome bonus promotional offer. 

By XX/XX/2023, I had accrued enough purchases on the credit card product to meet the spending threshold for the welcome bonus promotional offer. Yet on the latest card statement, I did not receive the offer as expected. 

I escalated my case to American Express directly on XX/XX/2023. I received the following case number : XXXX. I called American Express again on XX/XX/XXXX and was informed that their internal department closed my case without any further resolution or goodwill effort to compromise. They stated the reason for doing so by quoting a discretionary / vague section of their terms and conditions, despite the fact that I was verbally assured in a recorded conversation that I was entitled to the welcome bonus promotional offer. 

The agent on the phone refused to help me any further and instead could only give me the investor relations address of American Express : " XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' They told me I should write a paper letter to escalate my grievance further. 

I did not find this to be an acceptable outcome nor a proper escalation of my case, so instead I am now initiating a CFPB complaint. 

Personally speaking, I feel like I've been scammed into using American Express 's credit card product and helping their bottom line with the fees that they charge merchants as part of their general business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: MI

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 Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: MI

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 Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
This account was opened XX/XX/2021 and opened with a balance of {$560.00}, I have not been sent any communications from this debt collector, including no debt validation letter so I have been unable to validate this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect XXXX XXXX @ XXXX has not responded to my request to clarify what the XXXX is for! Ive been trying to resolve this issue for over a year and no response! I am now being told to contact XXXX XXXX at procollect through email which I have and again no response!! XXXX tired of this matter Im tired of the harassment from them to collect I followed their process and still no response! I want this removed from my credit reports all of them or they need to contact me with a resolution!!! They need to stop harsssing me Im a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX so either help me investigate procollect or remove this debt from my credit reports!!! Also these people are very rude and disrespectful every lady one of the reps!!!

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 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
In the payoff statement, they charged {$7800.00} for the dates of XXXX, but the loan closed and was paid in full on XX/XX/28. 

I was told by the title company, 'they have never seen something like that ' but that most if not all would be refunded by SLS. 

I waited the 20dys they are given to refund. They sent a partial refund of {$1500.00} for what I assume is half escrow. 

I called on XX/XX/XXXX, and XX/XX/XXXX to resolve it. 

XX/XX/XXXX I was placed on hold for a 'Level 3 ' resolution rep for 47minutues. I had to hang up eventually to get my kids from school.. 

On XX/XX/XXXX, I was able to get through and was told it was escalated to the 'Cash Department ' and that it takes a week to resolve and that *I* had to call AGAIN to find out why or if or when they would refund. So they've been sitting on almost $ XXXX worth of interest for over 2mos, which is well outside the 20dy window. 

The company is SLS, Specialized Loan Servicing. 

They ALSO retracted my XXXX payment with no notice or explanation and started applying for all future payments in the arrears so my credit now reflects 4 late payments and tanked it. I fought and fought to get them to fix at least XXXX and XXXX and they said no.

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 2023-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I go on my credit report and I see inquiries that I dont recognize

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