vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize or consent to these hard inquiries on my consumer report. Nor did I give Equifax permission to make a report on my behalf. Please remove the following accounts thats in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I applied for a personal loan for the amount of {$6000.00} with Upstart on XX/XX/2022, XXXX XXXX. My loan was approved on XX/XX/2022. Subsequently, I tried to accept the loan on XX/XX/2022 in the XXXX and was denied based on the hard pull that was done on my credit file after my acceptance of the loan. The reason for denial included in the adverse notice was " monthly debt obligations increased by more than XXXX XXXX of total verified income or {$200.00} since application. '' I called Upstart to understand what changed over the weekend as I knew for a fact that nothing had change to which Upstart wasn't able to provide me any further explanation or facts about my monthly obligations during the application and post approval of the loan which was provided as a reason for declination on the adverse notice and asked me to contact XXXX and XXXX to obtain clarification. I reached out to both the credit bureaus and confirmed that nothing had changed in my credit report/file between XX/XX/2022 to XX/XX/2022. I also have copies of my credit report from XX/XX/2022 and XX/XX/2022 which confirms that nothing changed. I have talked with the team lead as well at Upstart and she wasn't able to provide me further explanations or rationale of their decision other than what was mentioned in the adverse notice. She kept on asking me to reach out to credit bureaus to obtain further clarification ( which i had already done before talking to her and mentioned it to her ). As such, I strongly believe that the declination reason provided by Upstart is inaccurate and my application was declined incorrectly and inappropriately and/or Upstart is unable to provide me detailed explanation to me of their declination decisions which I as a consumer is entitled to under the Equal Credit Opportunity Act ( ECOA ). As such, this demonstrates their failure to comply with ECOA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My my credit card XXXX it's not showing up on all three credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both XXXX and Transunion and they keep giving me the runaround one is telling me to contact the Creditor and one is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have three statements to show proof because each statement it gets reported to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC.
State: CA

Complaint narrative:
I was notified by my XXXX Credit monitoring account today by e-mail on XX/XX/2022 at XXXX XXXX XXXX. That a social security number trace was established and was redirect to a new address or residence, and that if the information was not correct to contact the XXXX as soon as possible to address it. 

So I did just that. When I was on the phone with XXXX they looked up the alert and to whom reported this on my credit file. 

The customer service agent from XXXX stated it was reported by AFNI incorporated. He then went on and stated there was nothing attached to report a credit account or debt. It was removed immediately but I feel this company was trying to tack this address to my credit report fraudulently to establish a debt with me that I don't owe to them. 

Additionally, I'm not sure how they have obtained my social security number and then ran a trace on it. As documented in my XXXX account. 

I have had a lot of my personal information compromised drivers license, SS, email and phone number are currently being monitored by accounts with all credit reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All of my educational loans have been forgiven/discharged but the credit bureaus still list XXXX them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
My car was broken into in XXXX, resulting in my Chime debit card being stolen and fraudulent transactions being made. I filed a dispute with Chime in XXXX, and was told it would take approximately 90 days for a result. On XX/XX/XXXX, I called again for an update on my dispute. I was informed the dispute was denied in a day, proving the company didnt have enough time for an adequate investigation. I asked the representative to reopen my dispute, and she agreed to. I have email documentation where I sent chime support the police report numbers again. Today is XX/XX/XXXX, and I called for an update to be informed my case was never reopened. It has now been 3 months since almost every dime was stolen from me, and they are refusing to cooperate on reimbursing the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a real estate development company. Regularly deposit and make payments in the {$10000.00} to over {$100000.00} range. I use A Truist account for all disbursements even though I have a real estate development loan with another bank. Friday XX/XX/XXXX I deposited an {$80000.00} check from my account at XXXX XXXX into my account at Truist. Truist places a {$73000.00} hold on my account till XX/XX/XXXX. 

XXXX is happy to provide proof that the check is covered. They can not stop payment on the check since it has already cleared. Truist is unwilling to lift the hold. They have stolen my money over the XXXX holiday so many vendors go unpaid, my project is stalled and I incur finance charges and have to deal with upset purchasers, investors and vendors. 

There is apparently no way to cure this administrative hold. There should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I accidentally made an overpayment of $ XXXX to my XXXX XXXX  ( Bank of America ) on XX/XX/2022. On XX/XX/2022, the account was transferred to XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, they are waiting for Bank of America to confirm my overpayment so they can issue me a credit balance refund check. Their accounting department said the request to Bank of America 's account department went XX/XX/2022 but that Bank of America is not returning their calls. Bank of America won't let me talk to a customer service representative because I am no longer a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc.
State: VA

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 SOUTHWEST RECOVERY SER XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC
State: VA

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 NATIONAL RECOVERY AGEN XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2022-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did Not authorize inquiries. I did Not give anyone permission to perform inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. XXXX  Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX California XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I went to Schools First Federal Credit union the next day because they don't have a phone service in weekends and reported this fraud. But they will not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke with equifax about the fraudulent inquiries on my credit file. I waas asked did I file an FTC report and I stated you cant through the FTC anymore but I did file a complaint through the CFPB. I further asked for the fraud department and I was told he could help me. I aksed for the fraud department and he refused stating he could help. 

The spokesperson verified the complaint and proceeded to remove the inquiries and gave me the following confirmation number XXXX. 

This was all started on XXXX XXXX I called today the XXXX because the fradulent address and inquiries still remain. I was told by the person today that the inquiries are a statement of fact! i WAS GIVEN THE IMPRESSION THEY WILL BE REMOVED and now I am told they are a statement of facts. I also asked my proof of my permission via a signature from the creditor or any service they provide that I am associated with that would constitute permissible permission in their eye and I have received nothing. 

The following inquiries are not tied to any accounts on my credit file : XXXX XXXXXXXX XXXXXX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX. XX/XX/2022 Equifax has also used the ploy of they are starting a new dispute without my permission to reset the 30 day time frame to resolve my dispute by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635

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