vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments.

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IL

Complaint narrative:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

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

I demand the collections be removed from my account immediately.

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 2023-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This company is reporting an identity theft account on my credit report from XXXX  or XXXX  and I have notified over and over that isnt mine and Im a victim of identity theft and they have ignored that and tried not to do their job. I didnt open this account and it isnt mine. My information was taken over and used through open multiple cards under my name. I have filed an FTC identity theft affidavit and if this isnt resolved I will pursue legal counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TN

Complaint narrative:
Re : Dispute of Late Payment on Credit Report - Reference : XXXX  XXXX XXXX XXXX  Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by XXXX, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to Bank XXXX XXXX Mortgage, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX  XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX 's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached Bank XXXX XXXX XXXX 's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from Bank XXXX XXXX Mortgage regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX Department : I have spoken with a representative of XXXX XXXX XXXX about my not being person having made the charge. They asked for the last 4 digits of my social and said it corresponded with the information they had and that my mailing address was also correct. I told them I was XXXX XXXX XXXX and have owned my furniture for years and knew nothing about XXXX XXXX nor had I ever leased furniture in my life. 

They said obviously they had the correct information and were going to mail the additional information to confirm the charge. I have not received that information yet because I just found out about this charge and talked to them for the first time today. 

I have sent a copy of this Identity Theft Report to XXXX the collection agency trying to collect {$5800.00}, for the fraudulent charge from the leasing company XXXX XXXX XXXX made on XX/XX/2022. 

I called Federal Trade Commission, report number : # XXXX, to report the fraudulent charge and they issued an identity theft report which I am attaching. I have requested my credit reports from all three agencies but as of now and will receive them in about 2 weeks. I have no other issues with my credit cards or suspicious activity or charges on my bank accounts. 

Sincerely, 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 2023-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Several attempts have been made to contact Wells Fargo for release of lien for a home equity line of credit that has been satisfied. Case # XXXX was created with no resolution. The account was created in XX/XX/2001. When contacting Wells Fargo, no one is able to locate the account or documentation to evidence the lien release. The requested checklist has been completed and faxed to Wells Fargo. The current sale of the property is currently in jeopardy since this lien remains outstanding.

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 2023-10-25 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: FL

Complaint narrative:
an accordance to the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX. ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-25 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge was made on my Citibank credit card account by XXXXXXXX XXXX XXXX in the amount of {$4700.00}. 

Prior to the charge, I had never heard of XXXXXXXX XXXX XXXX and have not received any services made by them or had any communication with them at any time. I certainly did not make the purchase or authorize it. 

I reported the incident to Citibank in early XX/XX/XXXX ( they responded to me on XX/XX/XXXX. ) The money was refunded to my account. 

According to Citibank, the vendor told Citibank the charge was valid, using only an email address ( not mine ) as evidence that the charge was valid. Citibank did attempt to phone me in XXXX and I missed their phone call. They did not use any other means to contact me ( email, post, etc. ) The {$4700.00} was again charged to my Citibank credit card account, and automatically deducted from my non-Citibank debit account. 

I phoned in XXXX and XXXX in an attempt to recover the money. On both occasions, I was told that the vendor ( XXXXXXXX XXXX XXXX  ) had provided insufficient evidence and the claim would be reopened. On XX/XX/XXXX, a representative advised that the claim should not take more than 90 days to resolve. 

I phoned again on XX/XX/XXXX. I was advised that the claim was so old that the computer needed to reload the information and to phone again in at least three business days. 

I phoned on XX/XX/XXXX. The representative was apologetic and stated they would expedite this, but could not tell me how long it might take or when I should follow up. Citibank has not provided me with any written communication since XX/XX/XXXX, despite these numerous follow-up phone calls, all unresolved. 

It has now been nearly one year since the initial charge. The amount is quite a lot of money to me, since I am a teacher, and a new parent. I would appreciate any assistance with the matter. 

Sincerely, 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NC

Complaint narrative:
please investigate and remove negative info enclosed

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 2023-10-25 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: NC

Complaint narrative:
please investigate and remove negative info enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
They be calling me alot and telling me stuff i have alot of calls and XXXX me and have alot text messages about whag they going to do 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Tilt Finance, Inc.
State: TN

Complaint narrative:
I closed and deleted my account with empower after paying debt off in full. I asked the company to remove my personal banking information. Which included two separate banks XXXX & XXXX with checking account and a credit card with the information. The company has refused too and bribing me to resubscribe to the services to remove my information. However once you resubscribe to the service youre not able to remove the banking information due to the subscription. Im no longer a customer with them however I have received multiple emails from representatives explaining they are legally able to retain my banking information. I have read the terms of service and policies. I did not find a statement that verify this information for close/ delete accounts. I asked the representative to provide me proof of the legal authority to do this. The only information provided was for existing accounts/ customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a XXXX citizen that has stepped foot on US soil in over 10 years. My identity was stolen and used to open the fraudulent bank accounts. I was this case to be investigated and all charges be removed immediately as I didn't open the account. 
I am happy to provide any information Wells Fargo may need to assist them in this investigation.

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 2023-10-25 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: MD

Complaint narrative:
If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and removed.

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 2023-10-25 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: MD

Complaint narrative:
If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Previously had TD Business Checking and Credit Card Accounts from about XXXX to XXXX with my own LLC business. 

Went well for several years, but ultimately filed for XXXX XXXX  bankruptcy in XXXX, and TD Bank Business Credit Card was included. 

Now newly employed and with a steady paycheck, I applied for a Personal Credit Card with TD Bank last week. Yesterday I received a letter stating that I was not approved due to " DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH TD BANK, NA ''. 

I called and asked exactly what this meant, and was informed that despite exercising my right to file for bankruptcy in good faith under the Consumer Credit Protection Act, TD Bank did not consider my past credit obligation discharged. I was again told that my application was denied. 

The federal Equal Credit Opportunity Act strictly prohibits creditors from discriminating against credit applicants on the basis of ( among other things... ) : " or because the applicant has in good faith exercised ANY right under the Consumer Credit Protection Act. '' Bankruptcy was a difficult decision, and I am not proud of that. However it is illegal for TD Bank to hold that against me and deny credit out of spite. 

In addition, while I hope to never have to go through that again, I am completely forbidden from filing bankruptcy again for three more years. I'm a safe-bet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My mortgage was sold from XXXX XXXX and it now serviced by Service Loan Servicing company. They sent documentation for a loan modification and I tried to continue to my monthly payments through their site and it was disabled. I dialed the number to continue to make my payments over the phone and the representative told me that they couldn't take my mortgage payment until the loan modification was completed. I recorded the conversation. We submitted the loan modification documents but they reported us late with the credit bureaus when they were the ones whom didn't take my payments. This is corrupt service company, they are not even the owners of the loans, their 'customer ' service representatives are uneducated and located in XXXX  and XXXX and lack any financial education or any college or high school education.

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