vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Applied for {$45000.00} personal loan for a major purchase and was approved via an email and when I called in to verify the company said it was a marketing email although I just applied for that amount. So much for paying for that operation. See attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER 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 2022-04-29 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: GA

Complaint narrative:
Experian is refusing to do a method of verification for my dispute.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have tried to use my debit card at a store to find out that my card was declined. I thought that it was strange since I had plenty of money in my account. I discovered on my online banking with Wells Fargo that someone had set up a Bill Pay on my account to a XXXX XXXX XXXX account and made two transaction of {$900.00} and {$900.00} consecutively on XX/XX/2022. ( Noted that I am not associated with XXXX XXXX XXXXXXXX in any form ). I'm assuming that someone ( fraud ) has gotten information online of my online account from a malware of some sort or from the pattern of debit card shimming that has been going on and made that transaction themselves. I have called customer service fraud department for Wells Fargo but eventually weeks later, I have received a letter that they decided to deny my claim and concluded that I that I gave that information to someone I knew or I made that transaction myself. I have not given any information to anyone I know my bank account for any reason. It would be foolish of me to do that even for anyone that I trust. I have been with Wells Fargo for many years ( even when they were called XXXX ). I have never had an incident like this before. It has been very frustrating to me in why they would think logically that I would clear out my whole bank account and be in the negative on purpose. I have feel that Wells Fargo did not try to see my point of view of how this situation could happen but being unable to contact the investigator is very frustrating for me because I felt as though that Wells Fargo would try to use any excuse to prevent me from getting my money back. I feel very wronged by Wells Fargo and that they were not willing to help me from a loyal customer from many years. I have submitted a police report regarding this situation so that it is legitimate and that I am not faking these unauthorized transactions. I am using this as an accountability that those transactions were not done by me or anyone that I know of. Thank you for your 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 2022-04-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXXXXXX XXXX {$0.00} / XX/XX/2020

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 2022-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/202XXXX XXXX XXXX {$7500.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a problem with a dispute on my credit report. Two collections are a direct violation of HIPAA.

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
HOME DEPOT Online On XXXX XXXX I was looking at an XXXX $ item on homedepot website. Below the add to cart button there was a message stating my price would be XXXX $ for a new account promo if I applied for, and used the HOMEDEPOT credit card. I did so, was immediately approved, however after adding the item ( XXXX XXXX XXXX  XXXX ) to my cart along with the promo code, it only applied a {$25.00} credit. 

I contacted HomeDepot and was told that the {$100.00} credit were only for orders over {$1000.00}. I requested to be made whole by having the card canceled and the inquiry removed from my credit report. I was told they could cancel the card but not remove the inquiry from my credit report. As they refused to remove the inquiry, i requested they leave it all as is until I could contact a consumer advocate. 

I feel this is an unfair and deceptive practice that has resulted in an impact on my credit report for an account I applied for under false advertisement. I would like to be made whole. 

Most Sincerely,

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 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patient Accounting Service Center
State: MA

Complaint narrative:
XXXX was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with XXXX. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX XXXX within the 30 day period of notification. 

XXXX did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from ARstrat dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to ARstrat, but the debt should have already been considered void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have mailed and offered a settlement offer to the company to let them know I am experiencing financial hardship and am no longer able to afford the monthly payments. They have responded in writing indicating that they have received a request to stop contacting by mail or phone, which is not what the letter says, and to fax over the preferred communication. I faxed over my preferred communication style with a note indicating for them to mail financial hardship options and have yet to receive any. Given the nature of my employment, I am not able to communicate via telephone, hence, the writing communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is not doing anything to fix this issue, they continue to ignore this major problem in regards to my account. I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.

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 2022-04-29 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER 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 2022-04-29 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: TX

Complaint narrative:
Albert ( XXXXXXXX XXXX ) has been charging my account and closing / reopening and closing in a non proper form. First of all they emailed me saying they were closing my account due to non normal suspicious activity yet couldnt say what the activity was. So they close the card and then tell me to withdrawal all the funds within 5 business days to an external account. When I try to withdrawal the funds it sits in initiated and never goes through. There were unauthorized charges on my account from XXXX XXXX XXXX XXXX. Albert advised me to go contact the merchant myself to deal with the fraud. So then I reached out to this merchant and advised them of the unauthorized charges. At that point they attempted to refund all the charges which is over {$800.00} Albert then declined the refunds, and then messages me telling me they temporarily lifted the suspension and I need to go tell the merchant to issue the refunds again because Albert declined it. The merchant is confused and doesnt want to double credit. Albert tells me they already declined it and I need to go back to the merchant. I disputed the charges as unauthorized and they do not care. Albert told me to go handle it myself but then blocks the merchants refunds then unblocks the card and tells me the next day they reblocked the card once the merchant attempted the refunds again. This is not good service this is consumer abuse.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-04-29 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right. 

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 2022-04-29 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: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-04-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX Bank, Account # XXXX, has violated my rights. 
XXXX. XXXX Bank, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc
State: MA

Complaint narrative:
MediCredit was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with MediCredit. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX, XXXX, within the 30 day period of notification. 

MediCredit did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from XXXX dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to XXXX, but the debt should have already been considered void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
My Application was denied, because of a problem with verifying my identification and I would like to verfiy it here.

Company response to consumer: Closed with explanation