vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
On XX/XX/year>, I missed a call from XXXX of the Alliant Capital Management agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

XXXXXXXX XXXXs website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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 2024-02-22 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: NJ

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
This vehicle was refinanced by Upstart 2023 from XXXX XXXX XXXX, removing my wife from the tag, title, and registration. Later during the year ( XXXX ), car reprocessed. 15 days later, paid the payments and fees to regain ownership. I had to get the vehicle from XXXX XXXX, and drive to the towing company, XXXX XXXX XXXX for the tag. ( Florida states 45 days before the car can be sold ) When they refinanced my vehicle, the tag and registration listed in my wifes name. XXXX, I tried to renew the tag and was told by the DMV, no information in the system in order to renew the tag. 
Ive been reaching out to Upstart ever since. Making payments on a vehicle I cant drive. Work, doctors appointments and personal pleasure. 
I call every week, with the same excuse and blaming XXXX XXXX and even the tow company. Even mention that XXXX wouldnt allow them to register the vehicle after they changed the registration to Upstart. 
Last week, I was told I would have it in 2 days, and give the DMV a call to get the tag. DMV still dont have any information still on my vehicle. 
XX/XX/2023 to current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is imperative that this account does not appear on my credit report because it is not mine and appears to be fraudulent. I urge you to take the necessary steps to correct these errors 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 2024-02-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
According to law 15 U.S.C 1681 the banking system is dependent upon fair and accurate credit reporting. The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel or charge off a debt of {$600.00} or more. The form must be issued when an identifiable event in connection with a cancellation of debt occurs. According to the creditor Shell/ CBNA my account was charged off in the amount of {$650.00}, reported on XX/XX/XXXX. As of today, XX/XX/XXXX I still havent received any forms and Ive contacted them asking for the proper information. Ive contacted them multiple times including, and Ive been repeatedly ignored. This is a charge off and if this account was indeed charged off then why did I not receive a copy of the 1099-C form from the creditor. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile. Please send me any forms or documentation showing that you have the right to report this as a debt. If you are not liable to do that please remove this account from my credit report 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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX Account XXXX Please ensure that all information is accurate

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 2024-02-22 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: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX  - Account XXXX Please ensure that all information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MD

Complaint narrative:
I decided to go back to school but the only way I could do that is through student loans from Salle Mae. I was told that 6 months after graduation I would begin paying the loan back. When I went to apply for the next semester, I could not get approved ( not even with a co-signer ) therefore not allowing me to continue school. Since its been over 6 months since I was in school, I am now required to pay the amount back and cant afford it at the moment but have started a second job to try to help pay it ( XXXX loan ). However, they call me 10-15 times a day, and have started calling my family, my in laws, my friends, and my work. This is not only embarrassing but seems like it should be illegal and a violation of privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I missed a call from one of the XXXX XXXX XXXX agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

Theagency 's website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
l XXXX XXXX XXXX XXXX XXXX  and l opened a wise account online, but l mistakenly entered XXXX as the country of residence, and the account given to me is meant only to receive XXXX currency. 

My salary couldn't get into the account as l am paid in US dollars, l then requested the company to change my account and give me a US wise account so that l will be able to have access to my money. The company requested me to upload my documents for verification of which l have been sending these documents via email and via the app.

This exercise has been happening for two months now and they still haven't resolved my issue, l can't support myself financially because of this setback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-22 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: 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This incorrect late payment on my account is causing me considerable pain, especially given my accurate payment history. I would like you to correct this error immediately by removing it from my account as it does not accurately reflect my payment habits.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian FAILURE TO RESPOND to XX/XX/2024 dispute. Experian FAILURE TO FOLLOW FCRA laws governed to protect consumers. Allowed investigation time has passed according to law. Can you investigate Experian please. 

Please attachments.

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