vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Creditor was asked to update inaccurate information showing on the credit report. There were several late payments showing on a mortgage account from XX/XX/XXXX to XX/XX/XXXX that are inaccurate. They are inaccurate as the home was sold in XX/XX/XXXX, and the loan/account was paid and closed. Therefore, there is NO way this account should be reporting almost a year later with late payments when the account was closed. The creditor has agreed that this information is inaccurate and should be removed. They contacted the bureaus to remove the inaccurate information, but nothing has been done. The CEO contacted and stated that they would send me a letter stating this information, which they did, and I have attached the letter. It will state that the inaccurate late payment and date of last activity information should be removed. Please DELETE the inaccurate information and update XXXX late payment as current. Thank you for your assistance.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX has numerous inquiries without my approval

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 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: AZ

Complaint narrative:
It is a mass loan request site, I filed a request and it was sent out to multiple lenders. I received {$600.00} in my bank account on XX/XX/XXXX of this year. I also received a decline email for my loan request XX/XX/XXXX stating my request was denied. As confused as I was, I didnt think too much into it. They started taking payments every two weeks the day after my paycheck deposited, amount being {$160.00}. Thus far I have paid about {$670.00}. With further inspection and finally being able to locate the expected payments, according to the site I am expected to be making these payments until XXXX, equaling out to just short of {$3100.00}. I have spoken with an agent as well as a supervisor, all automatic payments have been stopped and supervisor advised me to file fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
I have reviewed the copy of my credit report and found fraudulent accounts and this is hurting my ability to obtain credit which is against the fair credit law.

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im asked to make a payment of XXXX, of which 30 is valid. The remainder is being asked of me to pay earlier than was promised. They told me this is because I made a standard purchase without special terms but thats inaccurate. They also confirmed they made an error last I spoke to them on XX/XX/year> at XXXX when the call dropped for the third time. They have done this in the past too where they apply payments to newer transactions and not apply them to older transactions forcing me to pay early on these special terms. This has to be investigated and fixed.

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 monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I declined a payment to XXXX XXXX XXXX. We had sent money to each other before. But as started looking back a month ago, his name and all transactions are changed to XXXX XXXX, even in my bank statements from cashapp. I asked how this was possible. Because that isn't his name. They said they had nothing else to provide. so, it's a fake name showing on my statements now. Which is fraud I'm fairly certain. I asked cashapp to simply verify his i.d . which they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to apply as payment for account number XXXX XXXX XXXXXXXX XXXXwith an INSTRUCTION letter to perform their duties per their Indenture agreement seen here https : XXXX? XXXX and in accordance with the Trust Indenture and Securities Exchange Acts. 

I had received a voicemail the day it was received to call back in regards to the correspondence they received. When I returned the call, each person I spoke with either did not know how to help me or where to direct my call. 

payment was not applied, and my instructions were not followed even though the they are in line with the Indenture agreement. 

21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/year> with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a consumer after reviewing my credit report from EXPERIAN, XXXX and XXXX I have discovered that it is fraud accounts, addresses, inquiries and more on my 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 2024-05-03 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-05-03 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
Looked at XXXX XXXX offers, One of thee offers was for Upstart. 
I previously Held a loan with them so I decided to compare their rates, they asked me to verify my income using their banking verification Plaid. I consented to this verification, they sent me offers. I wasn't Interested in any of their offers and closed the page. The following day, I received an email notifying me they have approved and were sending me a loan. I never applied or looked past the offers, this is a fraudulent loan. XX/XX/year>, they were notified immediately via email after hours on their app, XXXX They were called first thing in the morning to Tell them myself and confirm it. They sent me an email and got off the phone, Email states loan cant be canceled it has to be within the XXXXXXXX it was within that timeframe, but I didn't make this loan so why does that matter. XXXX Called back immediately and spoke with someone else, they provided falsified promissory note with an electronic signature and stated that it was mine, refusing to accept it was fraud. Stating that thee only way out of this was pay thee loan off in fullXXXX the amount they deposited + another XXXX origination fee that Didn't ever come to my bank or make the payments and spend over XXXX $ on interest on a 29 % loan I didn't apply for, got nowhere and was told he would escalate it. XXXX Contacted them again via the phone and was escalated their tech? Both the call taker and new person had no knowledge or notes of previous conversations or claims. Spoke with them explained the situation and again told they would escalate it and to wait for a phone call 24 hrs later. At this point they are trying to skirt laws and kick the can down down the path to extend the time past the legal timeframes even though they were notified several times verbally in the 24-72hr mark. I went to the bank and discussed with the bank the issue trying to have the money returned. The bank told me they are under legal obligation and face charges if they were to return it or act as if its fraud, giving them the right to verify my income and banking information allows them to deposit the money, there is no return address listed. The banks fraud department is launching an investigation but wont start for roughly 90 days, past the time they will damage my credit or effect my finances. The bank advised me not to send a money order and work with the company Upstart to handle this Directly. XXXX I mailed first class a Cease and Desist letter to the company first class mail today. Spoke with someone at the CFPB and they advised me to file a complaint, I am doing so now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.

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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My checking account is consistently being charged insufficient funds, sometimes more than once. I tried putting some back in savings but couldnt keep enough there being single mom. This is Trustmark bank an I am 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 monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was looking at my credit report back on XX/XX/2023 and noticed that things were incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. Theyre breaking Federal Law!

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681e ( b ) i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ( ii ) the information is in fact, inaccurate.

This is unfair and if theyre doing this to me imagine who else theyre doing this to. Can you please fix this problem.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit 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 explanation
Consumer complaint received 2024-05-03 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: VA

Complaint narrative:
I disputed this account on XX/XX/2024 asking for this account to be removed and deleted due to it not being mine. I sent letters to the furnisher as well to validate this account as well as experian. The account results came back updated and not removed due to documents that were not attached to the account from experian. On the XXXX of XX/XX/2024 the account was redisputed with the documentations and on the XXXX of XXXX I received an experian alert that the account was updated and verified again. I also attached documents from the Creditor stating they can not validate this account. Ive submitted an FTC report and I am not getting the cooperation needed to deleted this item. XXXX and XXXX has already deleted this accoun t per my request and same documentation According to the Fair Credit Reporting Act Section 605B it is illegal to report information on my account without my permission. Please remove and delete this item from my credit report. 
Account Number : XXXX XXXX Account Ending In 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 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My federal student loans as part of my higher education were XXXX in the lawsuit XXXX v XXXX in XXXX. It was found my school engaged in tactics designed to lure in unsuspecting students who would not otherwise qualify, and take out loans with exorbitantly high interest rates in their name for their education. As a result of multiple lawsuits the company running the school shuttered in XXXX. As mentioned previously, my federal student loans were forgiven in XXXX, and the Department of Education was ordered to repay any monies paid toward said loans. 

There seems to be no recourse for forgiveness and reimbursement of the private student loans, which seems extremely unfair, given that they were determined in a court of law to have been fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some fraudulent inquiries on my credit 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 non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

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 informationisinaccurate.

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 2024-05-04 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:
i was a victim of identity theft. These accounts do not belong to me. and i have no knowledge of them. i have filed an official report that i will attach. i have also filed complaints with all companies and parties involved. Also attached is all current and up to date information Following accounts not Mine : XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : $ XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number : XXXX Date openedXX/XX/XXXX Past due amount {$1000.00}

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 explanation
Consumer complaint received 2024-05-03 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: VA

Complaint narrative:
i recently reviewed my credit report and noticed fraudulent account on my report please remove this account from my report it is 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