vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/ in good faith, using my Credit card ( XXXX ) I applied for a personal line of credit via Upstarts website. The amount requested was XXXX. My request was denied and upstart sent me an adverse action via email. I received no benefit from this unauthorized use of my credit which makes it fraudulent activity! 
Credit is the right granted by the natural person meaning I am the ORIGINAL CREDITOR. Which means I can not be denied my own credit and I am being discriminated against by UPSTART. In response I sent them and adverse action dispute letter only for them to elaborate on reasons why my application was denied due to company policies. Those policies do not over power federal law. I will seek litigation for the following reasons if my transaction is not approved immediately. 
Refer to 15 USC 1602 ( f ) CREDIT, ( g ) CREDITOR, ( i ) CONSUMER, ( l ) CREDIT CARD, ( p ) UNAUTHORIZED USE ( f ) term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ( p ) The term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is an issue with 3 companies involved. 
XXXX. XXXX XXXXXXXX XXXX. JP Morgan Chase XXXX XXXX XXXX XXXX XXXXXXXX I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from XXXX ( XXXX ) with the intention of paying off XXXX so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX. XXXX  XXXX sent a physical check to the payee, XXXX. My XXXX  XXXX account gained the XXXX} balance. 

XXXX XXXX XXXX  ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the XXXX XXXX XXXX, however, was still written out to XXXX XXXX XXXX. The back of the check shows it was cashed by a third party, JP Morgan Chase bank. 

I provided the copy of the check to XXXX, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX  XXXX and XXXX XXXX XXXX  ) have stated it is up to the bank that cashed it, JP Morgan Chase to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XX/XX/XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

JPMorgan Chase has my money and has caused frustration as well as additional fees tacked onto me. I need for my money to be returned to me. I can provide copies of documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CashRepublic Holdings, Inc.
State: FL

Complaint narrative:
Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW XXXX in the XXXX Full time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
FIRST PROGRESS CARD IS REPORTING TO XXXX AS COLLECTION/CHARGED OFF AND CHARGED OFF IS CONSIDERED A CERTIFICATE OF INDEBTNES/ INCOME AND CAN NOT BE REPORTED TO MY CREDIT REPORT AND MUST BE REMOVED. XXXX IS REPORTINGXXXX DAYS LATE, AND XXXX IS REPORTING AS CLOSED, INACCURATE INFORMATION PER 15 USC 1681 AND IT MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
Many charges were made on my credit card from a company that i do not have a account with. The charges were made by XXXX XXXX and XXXX XXXX. I have NEVER had a XXXX XXXX or XXXX XXXX or any XXXX account. I explained to Discover customer service representatives more than once I did not make these purchases. I live alone and do not allow anyone to use my Discover card. The total amount of unauthorized purchases totals approximately {XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please see attached file

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-07 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: KEYCORP
State: NY

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of RICO for double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX  Balance Owed : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.

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 2024-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have a situation with XXXX companies involved XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Comenity Capital for Ulta I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from Comenity ( Ulta ) with the intention of paying off Ulta so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX XXXX XXXX sent a physical check to the payee, Comenity. My XXXX XXXXXXXX account gained the {$340.00} balance. 

Comenity ( ulta ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the po box number, however, was still written out to Comenity Ultamate Rewards. The back of the check shows it was cashed by a third party, XXXX XXXX XXXX XXXX. 

I provided the copy of the check to Ulta, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX XXXX and Comenity ( Ulta ) have stated it is up to the bank that cashed it, XXXX XXXX XXXX to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

XXXX XXXX has deposited a check made out to Comenity Ulta which is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
In or around XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX sold my mortgage to MR. COPPER mortgage. 
My first mortgage payment was due in XX/XX/year>. My monthly mortgage payment is {$550.00}. I pay {$1200.00} per month. The additional payment is to be applied to principal. Every month my payment is processed as XXXX separate payments with each payment charged interest and the balance {$150.00} applied to principal. I have to call every month to have the payment applied properly. Every time I call they tell me the payment is not setup properly in their system and they will fix it. Last month a lady by the name of XXXX XXXX called to tell me the problem is now fixed but once again my XXXX payment was not processed properly. I have called several times and sent text messages to their online help center. They said the problem was resolved but it is not. They are the most incompetent mortgage company I have ever dealt with and in my opinion should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed this fraudulent charge. 

Please remove fraudulent account from my credit report, the inaccurate information hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed this fraudulent charge. 

Please remove fraudulent account from my credit report, the inaccurate information hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I previously filed a complaint for this that was closed because the company simply responded. My complaint is not closed. 

Per the Fair Credit Reporting Act, it is not legal to just respond " we're working on it '' when you have received documentation discharging the loan. You are still reporting inaccurate information to credit bureaus and that's hurting my credit. Your system showed me nearing 30 days late so I was forced to make a payment on XX/XX/year> to preserve my credit. 

As of now, that payment is not reflected on the system and it shows me with a past due balance of {$150.00}. The documentation associated with the discharge expressly said I was no longer required to make payments. 

Your computer system demonstrates negligence. I sent a letter to you on XX/XX/XXXX demanding action within XXXX business days or I would file a small claims case in XXXX XXXX XXXX. Your lack of action leaves me no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Block, Inc.
State: TX

Complaint narrative:
Hello I am writing to file a formal complaint regarding a disputed transaction with Cash App. On XX/XX/XXXX, a transaction amounting to {$42.00} was made to a company that misrepresented itself. This company 's name did not match the transaction, In addition the company shows that the payment did not get processed but it did go through since the transaction was cleared and posted for the same amount but completely different name leading me to believe it is a fraudulent entity. 

Upon realizing the misrepresentation, I disputed the transaction with Cash App, providing evidence in the form of screenshots clearly indicating that the payment was processed and attempted to get in contact with the merchant which is impossible. The company website is XXXX and they represented themselves as XXXX XXXX XXXX XXXX and the bank transaction process as XXXX XXXX XXXX this evidence, Cash App has denied my claim stating the transaction was correct and no misrepresentation on behalf of the fake company was found but it clearly is I have provided Cash App with all the necessary evidence to support my claim, including documentation highlighting the discrepancy between the company 's representation and the actual transaction. Despite this, my claim has been unjustly denied. 

This transaction was not authorized as it was a scam I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely,

Company response to consumer: Closed with explanation