vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
So on XX/XX/XXXX I submitted to Upstart my identity theft report police report and sent them a valid copy of my ID. On XX/XX/2022, they sent me an email saying they completed their investigation on Loan ID : XXXX which is not the loan I asked them to investigate or file a report on. The results said that it was a valid debt which I am well aware of as that is my actual account with them. The account they were supposed to investigate was Loan ID : XXXX, they sent a follow-up email the next day saying they did investigate but that's not what was said or sent to me. I would also like to state that during a fraud investigation the account is supposed to not be reported on my consumer report during the investigation but it continued to do so. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through XXXX and Transunion. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of 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 2022-06-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through Equifax and XXXX. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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

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 2022-06-11 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: MoneyLion Inc.
State: GA

Complaint narrative:
This is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with MoneyLion is that they have breached their own contract and have provided false and misleading information. I have been in dispute with MoneyLion for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. MoneyLion did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I contacted Wells Fargo numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Wells Fargo refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Wells Fargo customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was severely sick at the time.

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 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Synchrony Bank numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Synchrony Bank refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Synchrony Bank customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was XXXX XXXX  at the time. The account ends in 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 2022-06-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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. 
XXXX  # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX  # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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. 
XXXX # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX  {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed

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 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
On XXXX I received a notification from XXXX XXXX that I had {$210.00} of debt sent to the collection agency by XXXX XXXX I had close my account and open my XXXX XXXX XXXX account XX/XX/XXXX. When I logged into my XXXX, now XXXX account, It says I have 0 devices with this company and I do not have any open accounts with this company. I took screenshots for proof but this is my first and only derogatory mark on my credit and I have nothing to do with XXXX. This has affected my credit and my hopes to move into a new apartment with the little credit I have. I have contacted XXXX and they have not offered me any help other than debt collectors number. The debt collector, convergent outsourcing, has been harassing me with calls everyday multiple times a day and I cant get any help. I am a fresh graduate of XXXX  XXXX and I really need help with getting this debt off of my account. 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 2022-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reported twice online that the information reported on my credit report was suspicious. I asked for proof that the reported charge off was accurate, they simply responded that it was and gave no evidence it was. I called and explained this to the customer service representative and asked for proof the charge was legitimate. They said they would investigate, a day later they responded exactly the same as the online system and provided no proof the charge was legitimate. I have proof through my online account with XXXX XXXX that I've never missed a payment or even been late. My account is on autopay and I've never received notice of any problems. Experian doesn't seem interested in doing any real research into the problem.

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 2022-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CIS XXXX XXXX has violated my rights 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

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 2022-06-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.

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 2022-06-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.

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 2022-06-11 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: GA

Complaint narrative:
I am XXXX XXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.

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 2022-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX has violated my rights. 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.

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 2022-06-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.

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 2022-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union reinserted a debt from XXXX after removing per investigation. Per FTC US15 U.S. Code 1681i Trans Union MUST notify me within 5 days of reinserting this information on my credit report and send supporting details as to why. I have not received either therefore XXXX needs to be PERMANENTLY removed from my credit report. Also, the same debt is listed twice. One reflects closed and paid as agreed the other shows a number of late fees. this is also against FTC US15 U.S. Code 1681i.

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