vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
i had issues with old credit cards from my previous work. i found out i owe a lot of money. i hired upstart finance to settle with my creditors. which they did after collecting large sum of money from me during monthly payments of {$1700.00} for almost 18 payments. then UPSTART told me that they can complete all settlements if i was to get a loan from their lending company which is CREDIT 9. i agreed even though it is at almost 25 % because i knew once i settle i can then barrow money against my house and pay off their high interest loan. when i attempted to barrow the money from another company against my house i found out that upstart had falsely reported the debt as charge off which had effected my credit rating so bad that i can no longer barrow money until i pay off the credit 9 which is their company anyways. i have called so many time to try to fix it with them and they keep bouncing me back and forth between them and i get no where. i have calculated that at the end of this scam i would have paid more to upstart than my original lenders. i have hired an attorney to deal with my ex employer and their credit charges. but i really need help with this company. this is a scam to make sure i can get another loan. this company appears to be operating under several names : upstaXXXX  ... upstart... credit 9 ..XXXX XXXX. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX _ Date open_______XXXX_____________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount_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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information Due to Data Breach Dear : To whom it may concern I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected. 
Remove from my credit report, Transunion, XXXX and 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information Due to Data Breach Dear : To whom it may concern I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving Equifax. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous.

I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected. 
Remove from my credit report, XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FinFit Holding Co, LLC
State: TN

Complaint narrative:
The company is supposed to take the find out if my paycheck bi weekly as agreed upon in the contract as they have other times that I have used them. And they reached out to me outside of business hours at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX _ Date open_______XXXX_____________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount_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 2024-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX of XXXX Truist Bank stopped sending me my monthly statements. On XX/XX/XXXX I received a notice from Truist that my account was in default and I had 30 days to pay the due amount. If payment wasn't made then they it may become necessary to accelerate the full amount of the loan. On XXXX of XXXX, I received a Notice of Intention to Foreclose from Truist 's attorneys XXXX XXXX  XXXX. I subsequently contacted their attorneys and they recommended I apply for loan modification. I contacted Truist Bank and requested an application for a loan modification. During my conservation with XXXX from their Loan Modification Department she didn't mention that if I was 120 days late with my payments that I would automatically ineligible for a loan modification. I applied for the loan modification in XX/XX/XXXX and 2 days later XXXX called me and verbally told me I was denied because I was more than 120 late with my payments. I asked her to send me the denial in writing with any loss mitigation options available to me. I was sent a denial but no written explanation or other loss mitigation options. I emailed their attorney requesting my monthly statements be sent to me as well as reinstatement amount and full amount owed on the loan. The attorney did not respond. I let my HUD counselor know that the attorney wasn't responding to me. My HUD counselor emailed their attorney asking for the items I requested and the attorney responded to him. The attorney subsequently sent me the reinstatement amount and the full amount owed in the loan but not my monthly statements. This is a violation of Regulation Z of Truth and Lending Act. Truist Bank told me that since they initiated foreclosure ( XX/XX/XXXX ) and turned my file over to their attorneys they can stop sending me monthly statements. They stopped sending me statements in XX/XX/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 2024-07-22 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX  XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated 09/21/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX  XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION AND XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated 09/21/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX  XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2024-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Request for Removal of Negative Item Due to COVID-19 Hardship Dear [ Credit Bureau Name ] Dispute Department , I am writing to request the removal of a negative item from my credit report due to financial hardship caused by the COVID-19 pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The COVID-19 pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided, I demand this payment be updated to On-Time as they should be as I was NEVER late. Thanks.

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 2024-07-22 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A rep at the location told me I was pre-approved for a XXXX XXXX XXXX credit card. I stressed to XXXX XXXX that I did not want a an inquiry if I am not approved. XXXX assured me that at the " MOMENT I OPENED THE ACCOUNT THAT DAY, ( LITERALLY SECONDS PRIOR ) THAT CHASE DID A SOFT PULL AND PREAPPROVED ME. '' I agreed to pull my credit on based on what I was told by the Chase rep who opened my account with me. I was then denied the credit card and spoke to the branch manager at Chase. XXXX stated that I was preapproved years prior, which is not what I was told. I will not let this go. I want that inquiry removed from my report. 

The inquiry was made by Chase Bank using fraud and false pretenses. XXXX XXXX lied during my account opening process and said that I was just preapproved that day, different than what XXXX has said. XXXX also stated during the account opening process that he would call Chase with me to " push through '' the approval in the event of my denial, he never did that... I called several times, left him several messages. No response. 

I don't know if XXXX receives some bonus or performance crediting for applying for these credit cards but he committed fraud and lied to my face about real facts and the truth has come out to show he lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I spoke with XXXX XXXX country tax collect this morning XX/XX/XXXX and they said on XX/XX/XXXX they sent an outstanding bill of XXXX. I was not notified by the county or amerihome mortgage there was any outstanding bill. Now the bill is XXXX. It is the responsibility of amerihome to notify me any correspondence of outstanding bills. They are responsible for paying this. I checked the tax collector website 2 weeks ago and it said the amount XXXX was defaulted and now after amerihome called I have a bill for XXXX. Very suspicious that the amount changed and now they are both telling a new story of what is due

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