vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I make my monthly payment through the Electronic bill payer system at my bank. As I always do I make more than the minimum payment. 

I received a note on XXXX first from Goldman Sachs Apple card that my payment was overdue! I responded that according to my bank records the payment was sent on XX/XX/XXXX two days before the due date. 

The response was that their record shows that the payment was received on on XX/XX/XXXX therefore it was overdue and interest and other charges is therefore applied. 

I contacted my bank bill payer service and they provided documents with federal inter-bank tracing number showing the payment was received by Goldman Sachs indeed on XX/XX/year>. 

I provided the document to Goldman Sachs, and they agreed to open up a case and get back to me by XX/XX/XXXX. On the XXXX of XXXX I received a notice that they reversed the payment ( or at least attempted to since my bank account is not directly connected to Goldman ), Froze spending on my account and call my account overdue. 

Every communication with Apple Card is through text, so everything I have stated is fully documented. No one every reviewed anything I sent them, it seems. Sometime you exchange text with multiple people on the same text thread, and at the end you get strange message like, " thank for letting me solve your problem '' clearly knowing they have not done anything, or " is there anything else I can help you with? '' Knowing they have not solved your problem in the first place. 

The process is set up a in a very one-sided way to cause maximum frustration. Facts don't matter, documentation don't matter. There is no comprehension or acknowledgement of understanding at least the problem, and it seems to have been designed diabolically for maximum frustration and in the most disgraceful way to frustrate the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
My wallet was stolen in XXXX and between XXXX and XXXX, someone opened several accounts and personal loans with my identity. I paid off one of the debts although I had XXXX knowledge of it. I paid XXXX XXXX XXXX on behalf of Discover It Card, although I stated to them then that I didnt agree with it and request it be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Because Im experiencing hardship with my family due to increasing dependent expenses and medical expenses, I requested a hardship payment plan. Upstart continues to give me higher monthly payments with the same loan term rather than adjusting the loan term and offering lower payments. 

Upstart also refused to work with a debt counseling/consolidation agency to reduce monthly interest and payments. 

Upstart refused to negotiate a debt settlement and stated that I have to be at least 60 days delinquent to negotiate a settlement. I explained that my objective is to protect my credit not to ruin it. 

Upstart response to my hardship requests had always been you could just stop paying and yet account will be charged off. I repeated to them that O need to protect my credit. 

Im trying to pay my loan in good faith, but Upstart is not giving my a fair solution or an affordable alternative so just they can collect as much interest and late fees as possible, regardless of the borrowers hardship status or family needs. 

There also exists a discrimination and racism attitude with Upstarts customer service as well as their management team as they reguse to contact me to discuss fair options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-25 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-25 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: IL

Complaint narrative:
I pulled my XXXX XXXX XXXXt ( EQUIFAX ) on XX/XX/XXXX. I noticed that old information that was removed last year in XXXX has been added back to my credit file and report as of XX/XX/XXXX. I am a victim of Identity Theft and had all old personal information removed from my credit file last year. The problem at hand is not only is old information such as a prior address I used over 13 years ago resurfacing after I removed it, there are also " Soft Inquiries '' being made on my credit file without the name of the company who's making these inquiries. I'm aware soft inquires doesn't harm my credit scores. What alarms me is the scammers intentions of having access to my credit information via soft inquiries to pry & add old information back to my credit reports and files because they were never BLOCKED by Equifax when Equifax received from me Police & FTC Identity Reports last year in XX/XX/XXXX. 
Because my personal information and Identity has been compromised & used against me without my knowledge & consent, the thief who's reporting the information has also made Soft Inquiries on my credit reports under the disguise & name " EQUIFAX INC '' but has listed a few telephone contact numbers and addresses that has absolutely NO association with the company Equifax, itself. Also, on my Equifax credit report under soft inquiries there are DOZENS of times listed as " Automated Consumer Interview System '' where I had absolutely no contact with Equifax, it shows I contacted them by phone to discuss my credit report which I hadn't. XX/XX/XXXX thru the XXXX are just a few days to name a few which recently shows on my credit report. I had NO CONTACT with Equifax. 
I'm familiar with the reporting as this would show when I had credit monitoring & I INITIATED the contact with Equifax, but in these instances of dates, I had no contact so why would it show I had. I canceled my subscription of credit monitoring with Equifax last year after trusting them many years. I no longer have faith in a company who still allows thieves to constantly have total control over my credit file by adding, updating, & deleting whatever they desire without consequences. 
The old address has been added back to my account as of XX/XX/XXXX via thieves in disguise of a creditor representing themselves as a company who I have no association.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-01-25 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Ask for a 1099-c form. got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was secularized. XXXX sold the note and it was secularized within days after the closing occurred on XX/XX/year>. Once XXXX sold the note, XXXX can no longer be the holder in due course. 

Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within XXXX  days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. 
Here are the details of the Security. 

[ XXXX XXXX Mortgage Pass Through Certificates Series 2005-8 Portal - CITI Investor Online Portal Closing Date XX/XX/year> GROUP - XXXX XXXX  - XXXX Seller XXXX Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclosure under the Deed of Trust securing the note. However, this evidence has not been produced to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed Spring Oaks Capital that the debt was illegally purchased.

RE : Spring Oaks Capital : {$380.00} RE : XXXX Bank - Indigo XXXX : {$380.00} It is in XXXXXXXX XXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/year>. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got a welcome letter from PayPal stating I opened an account. I never opened an account and I never got the actual credit card. I only got a welcome letter. PayPal illegally approved an account that I don't recall completing a credit card application. I do not know how PayPal got my information to automatically approved unwanted credit card from them.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did an investigation into my credit and was incredibly angered at what I saw. There is inaccurate and ill-found information that is being reported on my report. I am seeing that this false reporting is due to the fact that the agency was not XXXX XXXX percent confident that the information they were reporting was correct. As well the inaccuracies with my name are causing verification issues and affecting my ability to get credit.

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 2024-01-25 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-25 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: AL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-25 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: MN

Complaint narrative:
I called XXXX VEHICLE AND PROPERLY INSURANCE COMPANY ( the alleged original creditor ) on XX/XX/2024, in regards to a collection on my consumer report and requested validation of the alleged debt of {$430.00}. They refused to provide me with the information because they claim to have no record of it. Then referred me to XXXX XXXX XXXX. Prior to my phone call to XXXX I contacted XXXX XXXX XXXX on XX/XX/2024. I requested, Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved.

- Clear and specific terms and conditions outlining the rights and obligations of each party.

- Any amendments, addendums, or modifications to the original contract, if applicable.

- The dates of inception and termination, if applicable, of the contract.

They told me they would send documentation and validation of the debt, which I never received. Then was given a complete runaround when told to contact XXXX ( the original creditor ) at the conclusion of the conversation. They were very untruthful and non compliant in providing me with the information needs to resolve this matter. Both companies are in violation of the ( FDCPA ) & ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
This is my refilling complaint to SANTANDER CONSUMER USA for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation