vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXXXXXX XXXX appeared on my XXXX Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted XXXX to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry XXXX XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXXXXXX XXXX  in order to get the hard inquiry removed from my credit report. I then contacted XXXXXXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my XXXX  credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXXXXXX XXXX could do, as no information was available at that time. I requested credit freezes with XXXX XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXXXXXX XXXX again on XX/XX/2020 at XXXX XXXX XXXX XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXXXXXX XXXX XXXX lending partner, Upstart, and was subsequently connected to Upstart at XXXX XXXX XXXX XXXX. As I write this, I have been on hold with Upstart for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither Upstart nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and Upstart and XXXXXXXX XXXX  are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: MA

Complaint narrative:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: MA

Complaint narrative:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

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 2020-10-29 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: MD

Complaint narrative:
I have reached out to Equifax numerous times on the errors of my credit report and this has impacted myself and my household in a negative way. I have sent certified letters, called numerous times, and never get a response. The major concerns affected me getting a house for my children and myself, all because Equifax never deleted the erroneous accounts on my credit report, instead they add a statement without my consent that says Consumer Disagrees when there are items that are on my report not only do not belong to me, but dont even have the same name or address as mine. I was also a victim of fraud and also sent over my police report to Equifax with no result of theme doing research. I called in a few days ago and was transferred 6 times until I finally got on the phone with an agent who claimed they never got my letter and that the error could be due to me not having three digits of the 9 digit zip code? even though the last letters i sent were on XX/XX/XXXX. I have never had this issue before. I was also the victim off the XXXX Equifax data breach. The rep told me on the phone that even if the name and address of the account do not belong to me, and the credit claims its my social security number, then it stays on my report. I have been disputing this information for years, and yet, this burden persists. immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
I settled a car loan with US Bank on XX/XX/2020. At the time, I was told that the title to my car would be released and that I should receive it in approximately 30 days. Over 30 days passed without receipt of the title, so I called again and was told that the title is being requested again and now I should wait another 30 days. As of today, XX/XX/2020, I still have not received the title. I called Florida XXXX and inquired about the title today. I was told that the lien has not been released. I called US bank again today, spoke to a gentleman named XXXX who informed me he would submit the request for the title today and for me to expect it in 30-45 days. 

Clearly, US Bank has no intention of releasing the title. A title request is a task they perform on a daily basis, so there's really no excuse for this other than they intend to give me the run-around about it. 

I am requesting your assistance with the title request since US Bank has apparently forgotten how to perform this simple task.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: State Collection Service, Inc.
State: MN

Complaint narrative:
I have received multiple text message to contact them ( State Collection Service ) past XXXX. Last one when I had had enough was on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the XXXX from that text and asked to speak with the compliance department to which they stated they don't take phone calls. I explained I have been getting text messages after XXXX last one at XXXX central time and she stated would remove text messages from my account. But I want this addressed since they would not let me speak with the compliance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had the XXXX XXXX Mastercard that was converted to Capital One. I was issued a new card when the account converted but I never registered for an online account with Capital One. 

On XX/XX/2020 I made a {$3.00} purchase to keep my account active. 

On XX/XX/2020, my credit monitoring went off with a late payment notification on the card. I searched my e-mail and never received a statement notification nor any late payment notifications. I called Capital One and spoke with a representative who waived the {$12.00} interest charges and late fees on the {$3.00} purchase. I made a payment for {$3.00} ( payment # XXXX ) and then was connected with tech support. 

Tech Support verified that I couldn't have received the statement notification if I wasn't signed up for an online account and advised me to send in a letter to their credit reporting department to resolve the derogatory remark. The technician also signed me up for online account access that day - the e-mail registration is attached. 

I mailed in the letter and received a phone call 5 days later from a representative who had listened to the call recordings and researched the account - but Capital One 's system shows that they did send a statement notification to my e-mail and sent me text messages, auto-dials, and e-mails that my payment was late. I never received any of these communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I disputed this account with Convergent Outsourcing and the validation they sent me, was not what I requested, and falls woefully short of the required documentation as required by the law. They have continued to autodial my cellphone despite being asked not to, and they didn't validate the debt properly! Help me please!

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has restricted access to my credit report online. I have made numerous attempts in the last several weeks to get them to fix this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CA

Complaint narrative:
I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

The Bureau wrote back they have verified but again no proof of anything. 

XXXX wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Experian to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Experian to verify see copy below. And a copy to the 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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2020, I used Capital One Visa credit card to purchase plane tickets for travel to XXXX. The travel date was in XX/XX/XXXX. Some tickets were bought over the internet from XXXX XXXX XXXX ( {$2800.00}, XX/XX/2020 ) and some directly from the XXXX ( {$250.00}, XX/XX/XXXX ). Due to the Covid-19 restrictions on travel my flights were canceled by the airlines in XXXX and XXXX respectively. I contacted the airlines and asked for the refunds. Despite my repeated attempts the refunds were not issued in the timely fashion. On XX/XX/2020, I asked Capital One to reverse charges/chargebacks for said transactions with detailed information and explanation. On XX/XX/2020 I received a notice from the Capital One in which they stated - " Unfortunately, based on the information we have, we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I know that the The domestic flights, as well as international ones departing or arriving the U.S., are covered by the rules of the Department of Transportation. As it says on the DOTs website - if your flight is canceled no matter the reason you are entitled to a full refund back to your original form of payment for the unused portion of your itinerary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Shellpoint Mortgage Servicing reported my XX/XX/2020 payment as 60 days delinquent when the loan was in an approved Forbearance status. See uploaded document from Shellpoint that shows the loan was in Forbearance in XX/XX/2020 and therefore could not be delinquent in accordance with the CARES Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX XXXX  is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

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 2020-10-29 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: FL

Complaint narrative:
I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud.

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} Account XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX  XXXX  XXXX  XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY

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