vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX began reporting a collections account through LVNV Funding that is attached to a XXXX XXXX XXXX account that was opened fraudulently by an ex roomate. The amount in question is {$340.00} and is being reported as a closed account in collections. It was originally reported as an open collections account and then changed. This is the second time this account has shown up on my credit report as I had succesfully disputed it in XXXX as it is a fraudulent account and XXXX removed it. It makes no sense that something which was fraudulent in XXXX, XXXX and XXXX then became legitimate in XXXX. The original XXXX account is nowhere on my credit report and XXXX and XXXX also removed it and the fraudulent collections account. In my original dispute with XXXX I explained the situation and informed them that I have no knowledge of this account, as it is not mine and asked for hard copy validation or any proof that this debt belonged to me. Every dispute was denied and a note was placed on it that it " meets FCRA requirements '' which is untrue as I have an active FTC ID theft report on the account, XXXX has acknowledged it isn't mine and XXXX has continued to report incorrect and unverifiable information, which violates the spirit of the FCRA. I have disputed with XXXX more then 5 times and they have now blocked my ability to dispute that account. 

I have an FTC Identity theft action open against this fraudulent account along with XXXX inquiries which were part of the fraudulent use of my personal information and XXXX doesn't even view the dispute, only responding that the account meets FCRA guidelines when the original creditor acknowledges it is not my account, the FTC acknowledges I was a victim of ID theft and XXXX is working overtime to ensure the damage from the identity theft, a very traumatizing experience, continues to be perpetuated on consumers. As consumers, we already know protections only exist for corporations but I wish XXXX wouldn't blindly trample on consumers and perpetuate a harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
Collection Account. {$960.00} past due as of XXXX XXXX. Date account was opened was XX/XX/year>. 
I am writing to dispute a closed account that appears on my credit report, as I have no knowledge of its existence, and it is negatively impacting my ability to obtain credit and provide for my family. The account in question does not belong to me, and I firmly believe that its presence on my credit report is unjust and unlawful. The account in question has been affecting my credit score, making it difficult for me to secure loans, obtain favorable interest rates, and access essential financial services. This undue burden has not only hindered my financial well-being but has also impacted my ability to provide for my family 's needs. I request that the erroneous account be promptly removed from my credit report to rectify this situation and restore my financial standing. I am prepared to provide any necessary documentation or information to support my claim and expedite the resolution process. I trust that the CFPB will investigate this matter thoroughly as I have already submitted a dispute to Experian and The Better Business Bureau, and take appropriate action to ensure that my credit report accurately reflects my financial history. Your assistance in resolving this dispute is greatly appreciated, as it will alleviate the undue hardship that this incorrect information has caused me and my family. Thank you for your attention to this matter. Sincerely, 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 2024-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Essential Lending Inc
State: MO

Complaint narrative:
Wise loan/ XXXX XXXX  holdings https : //wiseloan.com Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with Wiseloan and XXXX XXXX XXXX account number XXXX. This account was charged off and written off in XX/XX/2022, yet Wiseloan and XXXX XXXX XXXX continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

Wiseloan and XXXX XXXX XXXX failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that Wiseloan take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of Wiseloan 's negligence and failure to comply with the FCRA regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: OH

Complaint narrative:
XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY 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 2024-05-06 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: OH

Complaint narrative:
XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY 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 2024-05-06 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: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was infact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> I'm now requesting investigate this account and update these payments to paid on time immediately. Thank You for understanding and prompt action.

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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I have been out of work for several months. During that period I called Upstart several times to make sure I do all I can to avoid repossession. I was instructed on what to pay and pay by dates in order to avoid my vehicle being taken. On XX/XX/year> my vehicle was taken even though that was the date I discussed I would be able to make a payment. Even though the course of actions did not reflect what an upstart agent told me, I accepted responsibility. I understand I have a contract to uphold. 

Next, I called Upstart to get instructions on how to send a payment. I was told that I could overnight a cashiers check and the payment would be applied immediately. So I sent a cashiers check overnight via XXXX and tracked the envelope to insure it arrived the next day. When I called Upstart today, I was informed that I sent the check to the wrong address. When I asked to speak with a supervisor, I was then told that the check was sent to the correct address but I would have to wait for their bank to pick up the check and process it which can take another week to do. 

I could have processed a payment online via XXXX, avoided paying the overnight charge, and the payment would have been processed by now. Also, the address that the agent claims was wrong is listed as the overnight address on the company 's website. 

Upstart needs to be held accountable for their poor ability to give correct information. I understand it is my duty to pay on the contract as agreed. However, Upstart is still a corporation and quality is important. This has impacted my life in ways that impact my health. 

The vehicle was repossessed by a company nearly XXXX hours from my home. I am already poor, low on funds, and no support. How am I supposed to get to my vehicle? 

Ultimately I should be able to rely on the information the company gives me. I was held accountable by my vehicle being taken. Shouldn't this multi-million company be accountable for poor quality of information? 

All of the agents I spoke with were polite and I am sure they were doing their best however, the results we're poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
As of my XXXX credit report on Experian XXXX and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. XXXX a complaint with attorney general 's office consumer protection as well. 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 2024-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased two {$25.00} American Express gift cards and the expiration date on the cards is XX/XX/XXXX. I don't remember when I made the purchase, but I was not in a rush to use them because they expired in XXXX. However I found the remaining fund is {$0.00} for both of them today and I was told the money was unclaimed property and taken away when I called American Express. I don't know why my money is taken away. They are gift cards and not expired. I paid for them and saved them for a later use, why someone regards it as unclaimed property? They are my property because I paid for them. American Express gift card is such a SCAM!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For the charged off XXXX XXXX account ( ending in XXXX ) I requested the XXXX form to validate the debt was canceled. Upon receiving the XXXX form I noticed that the account number reflecting on the form ends in XXXX my XXXX XXXX account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either XXXX XXXX made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the XXXX XXXX account number and the account number written on the XXXX form are different. So with that being said either XXXX XXXX did not send the correct XXXX form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by TransUnion and XXXX and XXXX XXXX this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
For the charged off Capital One account ( ending in XXXX ) I requested the XXXX form to validate the debt was canceled. Upon receiving the XXXX form I noticed that the account number reflecting on the form ends in XXXX my Capital One account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either Capital One made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the Capital One account number and the account number written on the XXXX form are different. So with that being said either Capital One did not send the correct XXXX form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and XXXX and Capital One this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



Capital One - XXXX XXXX form - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
As of my XXXX credit report on XXXX Equifax and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My loans through Navient should be illegitimate due to the school misleading all attending students. Federal loans have already been forgiven through the XXXX XXXX XXXX XXXX XXXX XXXX, and these private loans should be forgiven as well. 

XXXX XXXX and XXXX mislead us by promising job placement rates that were false, over charged and over approved lending through personal relationships with Navient. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with four different reps and there was ABSOLUTELY no consistency in the communication. I called to get my credit freeze lifted for 24 hours because your website won't allow me to make any updates/changes. I was told by the second rep that it was due to an error code on my profile and she said that she created a ticket to have it corrected within 24-48 hours. 
The fourth rep/supervisor said that the previous rep should've given more info regarding the error and he said that he was going to submit a maintenance request and the completion time was five business days. Nevertheless, none of the reps would lift the freeze temporarily because they said that I failed to authenticate even though most of the questions were not regarding XXXX XXXX. The second rep said that most of the time, the questions could be pertaining to identity theft and therefore shouldn't be asked at all. I reached out via chat and that rep didn't ask me any of those questions and I was told that my freeze was temporarily lifted. The supervisor refuted that info and said that a lift request is immediate and he didn't see that the request was completed.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my credit reports, and discovered several inaccuracies in the personal and home information listed. It's imperative that this infromation be updated across all credit reporting agencies to ensure accuracy of my credit profile. 

These inaccuracies include addresses:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition to these, the correct spelling of my name that should be listed as XXXXXXXX XXXX XXXXXXXX, with the updated and only address as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

I kindly request your assistance in facilitating the correction of these inaccuracies with XXXX, XXXX, and Experian. 

Thank you for your assistance in resolving this issue. 

Sincerely, 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