vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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 an installment loan with XXXX XXXX, ( XXXX XXXX  ) and was approved. See attached notice. After receiving the official approval, they pulled a hard inquiry on my credit report. I instantly received a denial notice, after receiving the official approval. The loan denial was based on having another hard inquiry being pulled on my credit report after applying for their loan. A soft pull on my credit report was submitted by Upstart Lending ( XXXX ) on the date I applied. I had assumed the loan was going to be denied as it had been several days since applying. I did attempt to search for another loan. If trying to find a better loan opportunity causes someone to lose out on qualifying for a loan, its unfair for the consumer/customer. No counter offer was provided nor an explanation of how to move forward. How can a hard inquiry on a credit report cause someone to have their loan approval reversed. When someone is searching for a loan, it shouldn't count against them for searching for the best opportunity. I should have been provided an opportunity to explain why an additional hard inquiry was pulled. Surely a reputable lender should have known this??? In contacting the lender I was place on hold for over 1 hour and 30 minutes. As it turns out, it is their practice to deny loans if a current applicant attempts to get credit from a different lender after applying with Upstart.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED 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 explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion and XXXX At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

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 2021-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code 1692 consumer im not obligated to pay any debt.

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened -XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX of this year XXXX My coinbase XXXX Account was hacked and all funds were withdrawn and sent to digital wallets outside my control. The online intruders first transferred all my assets to my regular Coinbase account, then they exchanged the assets to digital currencies that are more readily available world wide i.e Litecoin, Algo, Chainlink. Then they proceeded to withdraw in hundreds of small transactions, each transaction aprox XXXXdlls in Value. Following is the list of all assets taken : XXXX Bitcoin XXXX ICP XXXX Eth XXXX Cardano ( ADA ) XXXX Litecoin XXXX NMR XXXX Solana XXXX Matic ( Polygon ) XXXX Yearn ( YFI ) XXXX SNX XXXX Comp XXXX EOS XXXX QNT XXXX CGLD XXXX XTZ XXXX AXS XXXX WLUNA XXXX UNI XXXX GRT XXXX AMP XXXX DOGE XXXX FET XXXX ZEC XXXX MAKER XXXX SUSHI A Coinbase Representative told me that the company is not responsible if I fell to a phishing scam and they were going to investigate but crypto transactions are irreversible. The fact of the matter is that Coinbase has weak safety protocols and this has happened to thousands of clients. On XX/XX/XXXX they cancelled an XXXX dll withdrawal on my behalf that I attempted to send to my XXXX XXXX  account. they never explained why even though they had temporary access to view my info through XXXX. 2 weeks later they did not find suspicious that somebody had accessed my account from a different device, probably from a different country, executed dozens of transactions in a window of an hour approx. and then drained my account with hundreds of small withdrawals also in a span of less than 2 hours. Other platforms like XXXX will not authorize new crypto address until a 24hr delay, will notify their customers of every transaction via email, yet I signed on to Coinbase because it is touted as the most secure and reliable crypto exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX refuses to remove the unauthorized inquiries from my consumer report even though Ive submitted via fax all of the required documents. I faxed the FTC report on XX/XX/ and Equifax continuously gives the response of not receiving it. Ive continue to have this issue with EQUIFAX every time I submit documentation. I have submitted several other faxes to XXXX which was verified by every representative Ive spoken to. I spoke to XXXX XXXX concerning this issue. Ive also spoken to Agent XXXX on XX/XX/2021 at XXXX XXXX and Agent XXXX today on XX/XX/2021 at XXXX to resolve this matter and I was told again that the issue could not be resolved! Then I was placed on hold by Agent XXXX once I requested to speak to a supervisor and was never transferred! I was directed to a totally different department that handles online memberships! And I was hold for almost an hour! I am providing proof of delivery by fax via transmission verification report provided by XXXX to show that EQUIFAX has indeed received my documents and Im also including a screenshot of the time I was on hold and never transferred to a supervisor! Im am also putting EQUIFAX on notice through this complaint through the CFPB that EQUIFAX is violating my consumer rights are civilly liable pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
XXXX XXXX of AMAZON CS heard my Complaint that it's partner, SYNCRONY BANK, is source of problem. It reported on XXXX that my account was refunded. It closed my access down in XXXX ( acct ending XXXX issued to " XXXX XXXX '' ), and {$110.00} came back into it from AMAZON since that time. If I chat or call Syncrony, it arbitrarily transfers me into FRAUD DEPT in spite of repeat requests for CS. XXXX XXXX in SYN on chat said it was mailed without tracking, so wait. But SYN has delayed my refund for months. It skirts this issue by inventing FRAUD concerns of its own making, meaning it repeatedly disconnects or sends calls unannounced into its FRAUD, where FRAUD says it can not issue refund nor close account. To date, I have asked SYN to close my account several times since XXXX, disconnects. Ms XXXX knows I am seeking review of its false refund narrative for AMAZON to review as it originated the missing refund credits.

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 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX my sister notified me that her account had been hacked and numerous charges had gone through. She suggested I check my account upon review there wS numerous transaction I had never made including some in other countries I've never visited. I filed a dispute with chime and they immediately declined the claim with in a few days. The response I received is the charges did not appear to be outside my normal spending. I explained these were from places I've never visited and asked what I can do to appeal this decision and they said without proof I can not appeal this disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I ordered an XXXX exercise bike from XXXX XXXX but was charged for a over {$4000.00} treadmill. 
It took me countless hours to resolve this situation with TD Loan who XXXX XXXX uses for their financing. 
I am so upset to have been treated so unprofessionally and now see that my credit has lowered because of them reporting I owe {$4300.00} when I only owe {$2000.00}. 
Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I had a XXXX credit card with a promotion to pay no interest for a year. In XXXX I decided to pay it off, so I paid the account off in full, based on the statement balance on XX/XX/21. 

I had a {$29.00} returned check fee and a {$2.00} charge for interest on XX/XX/21, that didnt appear until my XXXX statement, because I thought it was paid off, so I did not look at the statement since it would have been XXXX. That statement had the returned check fee from XXXX. They then sent another statement for XXXX, and I opened that because I wondered why I was still being sent statements with a XXXX balance. That is when I realized that when I changed bank accounts, the timing must have conflicted with the auto-draft, and that is why the returned check happened. 

I paid well in advance of the total balance on XX/XX/21 that is due in XXXX to fulfill the advertised promotion of no interest for a year, so I feel I was taken advantage of by confusing advertising and then XXXX late charge showing up in a XXXX statement, so I called to see if they would reverse it and they would not. Trying to establish credit with banks that prey on younger customers that are not as financially savvy. I escalated the call twice and they kept quoting policy instead of working with me since I paid so much off early. I feel this bank is only concerned about their profits and not doing the right thing. I am learning the interest free advertising is deceptive, not fair and an easy trap with loopholes so they can make a lot of money in fees, even when the customer is trying to do the right thing. This bank obviously built this product to prey on customers through multiple ways to get more fees and interest through the lifecycle of the promotion. It is not designed to help customers finances, but is designed to charge extra fees. I called XXXX XXXX when a payment did not go through when I changed bank accounts ( same time as the above ), and they gladly refunded me the fees without any hassle. 

Although I will hit many feedback sites with my warning about XXXX and Comenity based on their confusing and deceptive advertising and non-caring customer service, I am asking the Bureau to investigate this product and the amount of fees that customers are being charged to determine if this is a legitimate product to help consumers, of if it is a deception that preys on lower FICO customers in order to charge extra fees and that only put lower-income folks in financial trouble especially when job losses due to COVID probably cause most of the issues with repayment, like in my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to Oxygen XL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 10 complaints on XXXX they also have 5 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
After reviewing my credit report I found inaccurate information on my credit report from Transunion, XXXX, and XXXX each bureau reports are different. Under FCRA credit reporting should be validated and reported accurate and in this case that hasnt been done. Ive sent certificated mail disputing these issues and nothing has changed. I will include the certified stubs as well as the exhibit I have regarding this matter..

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