vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I XXXX XXXX requested a balance transfer of XXXX from XXXX XXXX cash card number XXXX on XX/XX/year>. XXXX called the upgrade credit card number XXXX visa to send a bank wire for the amount of XXXX. Upgrade refused bank wire and requested a paper check, which XXXX then mailed to upgrade to the address of XXXX XXXX XXXX XXXX XXXX. The estimated time frame was XXXX to XXXX weeks to complete the transaction. It is now XXXX I have called both banks XXXX times each, XXXX gave me the check information and upgrade lost the check and all information with it. I spoke to an agent named XXXX who put me on hold for XXXX min stated upgrade has no info on check even though upgrade had stated in early XXXX that upgrade had received the check and sent it to a third party bank. and then called on XXXX and stated they had no recollection of any check or information at all having to do with the balance transfer. I was forced to provide the check information from XXXX. as upgrade refused to do their job I believe that upgrade does not want to complete balance transfer so they can escalate my interest rate to extort me for higher payments on my account meanwhile i am out the credit amount of XXXX while they procrastinate my transfer and refuse to do it at all. Upgrade is guilty of bank fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: DISCOVER BANK
State: SC

Complaint narrative:
Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


Discover Financial Services XXXX XXXX XXXX XXXX I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a medical debt on my account and tried to remove it. I want this removed as soon as possible.

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 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I have XXXX accounts with upstart. XXXX is 3 months late. Upstart cancelled my auto payments, I haven't been able to access the account as the email address associated with it, I no longer have access. I have reached out to upstart to schedule a meeting when I can talk with a supervisor, but they won't schedule an meeting. Instead, despite me telling them I work and can't just randomly take phone calls, they continue to ignore my meeting requests and instead just call me whenever which is always when I am at work. They won't help me gain access to my account. When I talk them to request a payment plan that will get me caught up to speed, I am told tough luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
At XXXX am XXXX XXXX  ( XXXX XXXX ) I had missed a phone call from number XXXX on XX/XX/year>. No message or voicemail was left. Then fast forward to XXXX, I received a call from the same phone number XXXX at XXXX XXXX XXXX ( XXXX XXXX ) It was XXXX seconds long because the person hung up as soon as I amswerd my ringing cell phone. 

So I called back. This man was rude, and talked over me asking who he was, even ignoring my asking of who he was and why he was calling. I said I need some info on who it is I'm dealing with. The man became agitated and really raised his voice and kept asking me repetitively " What kind of information are you asking for sir? '' Maybe 4 times he asked me that. I let him finish speaking the XXXX attempt to ask what information I was seeking. I immediately asked why are you getting so upset? I need to just verify who you are and why you are calling me without giving out my personal info over the phone because I won't do that. 

The entire time he was just speaking when I was. He even accused me of cutting him off? Maybe I did but I was only re stating I don't give out personal information over the phone to people or businesses who can not identify themselves properly. 

I called back again after googling the phone number that called me. The company name I found was XXXX Central Portfolio Control XXXX XXXX XXXX XXXX XXXX. XXXX provided a new phone number of ( XXXX ) XXXX. I called and a woman picked up this time. She wanted me to verify my birthday without any time delay from when she answered my call, likewise she wouldn't agree to tell me anything other than her company had sent me the debt collection validation/verification letter and I don't have that letter from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Co LLC
State: IL

Complaint narrative:
The debt was XXXX in a bankruptcy years ago an they are they to collect on the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
THE COLLECTIONS ARE BEING REPORTED IN MY CREDIT HISTORY WHERE IN MY OPINION THERE IS NO REASON FOR THIS DUE TO THE FACT THAT I HAVE NOT BEEN THE RECIPIENT OF ANY PRIOR NOTICE FROM THIS COMPANY OR FROM ANY OF MY CREDITORS WITH WHOM I HAVE A RELATIONSHIP, BEING ABLE TO MENTION THE FACT THAT I HAVE HAD NO RELATIONSHIP WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Penrith Home Loans LLC
State: WA

Complaint narrative:
Bringing back the pre-payment penalty to homeowners seeking conventional long-term home loans : My sincere opinion on this subject seems fair and reasonable. It takes much time, talent and work to pull together successfully a home loan for any borrower. As a loan officer connected with a company for 24+ years and enduring much change in the lending world of consumer protection guidelines, it think that when a consumer chooses to pay off a long term mortgage loan inside of 6 months from the closing date, the consumer should be required to pay a pre-payment penalty that would equate to the costs and penalties equal to what lenders and loan officers currently are required to pay or pay back on an early payoff. The loan officer is a consumer too and works hard for their income in ever changing economic conditions. It seems only fair that the home owner should be held responsible for the costs incurred in an early payoff of a long-term conventional home loan. For that purpose, I propose that a 6 months pre-payment penalty should be brought back to the lending industry on Conventional home loans in disclosure regulations.

I don't feel it fair to charge the loan officer and the company they represent for the early payoff costs when they sincerely help the home buyer with their goals of financing the purchase of their homes in a timely manner. A minimum Prepayment penalty can be there to bring knowledge to consumers that there is a Serious cost to providing a long-term home loan to consumers. Getting a home loan is Not Free. Lenders/Loan officers should not have to feel like their livelihood is in jeopardy when a consumer decides to pay off their mortgage inside of 6 months. We shouldn't be tasked to work for free. What professional industry is regulatorily tasked with paying back fairly earned income? Change the regulations.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-08 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: IN

Complaint narrative:
XXXX XXXX XXXX is reporting prohibited information/income on my consumer report. I have sent several disputes, cease and desist and still they continue to mis use my consumer report.Pursuant 15 USC 1681s-2 law clearly states a ) Duty of furnishers of information to provide accurate information. 

Pursuant to " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. '' deals with the issue of whether the issuance of a XXXX form alone is sufficient to claim that a debt was XXXX and should not be reported. In this context : - XXXX Form** : A form issued by a lender to the IRS and the borrower when they cancel a debt of {$600.00} or more. It typically indicates that the creditor is no longer attempting to collect the debt. 

- **Key Legal Question** : Whether the issuance of a XXXX form by itself means that the debt is legally XXXX and therefore should no longer be reported to credit reporting agencies like XXXX. 

**Court Findings** : - The court found that issuing a XXXX form alone is not sufficient to claim that a debt was legally XXXX. 
- The debt can still be reported to credit reporting agencies unless there is additional evidence indicating that the debt was actually XXXX under the law. 
- The issuance of a XXXX form is primarily for tax reporting purposes and does not necessarily affect the legal status of the debt. 

This decision underscores that the mere act of a lender issuing a XXXX form does not equate to a discharge of the debt for credit reporting purposes. Lenders and borrowers must look at the underlying circumstances and legal documentation to determine if the debt was indeed XXXX. 


As defined by IRS : even if u didnt receive a XXXX you must not report as gross income on you tax returns. 

Cite

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 2024-07-08 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: IN

Complaint narrative:
XXXX XXXX XXXX is reporting prohibited information/income on my consumer report. I have sent several disputes, cease and desist and still they continue to mis use my consumer report.Pursuant 15 USC 1681s-2 law clearly states a ) Duty of furnishers of information to provide accurate information. 

Pursuant to " XXXX XXXX XXXX XXXX  XXXX Experian XXXX. '' deals with the issue of whether the issuance of a XXXX form alone is sufficient to claim that a debt was XXXX and should not be reported. In this context : - XXXX Form** : A form issued by a lender to the IRS and the borrower when they cancel a debt of {$600.00} or more. It typically indicates that the creditor is no longer attempting to collect the debt. 

- **Key Legal Question** : Whether the issuance of a XXXX form by itself means that the debt is legally XXXX and therefore should no longer be reported to credit reporting agencies like Experian. 

**Court Findings** : - The court found that issuing a XXXX form alone is not sufficient to claim that a debt was legally XXXX. 
- The debt can still be reported to credit reporting agencies unless there is additional evidence indicating that the debt was actually XXXX under the law. 
- The issuance of a XXXX form is primarily for tax reporting purposes and does not necessarily affect the legal status of the debt. 

This decision underscores that the mere act of a lender issuing a XXXX form does not equate to a discharge of the debt for credit reporting purposes. Lenders and borrowers must look at the underlying circumstances and legal documentation to determine if the debt was indeed XXXX. 


As defined by IRS : even if u didnt receive a XXXX you must not report as gross income on you tax returns. 

Cite

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Constantly requesting information to show proof and validity of the reinvestigations of my complete and accurate identity theft reports. The credit furnishers refused to block fraudulent accounts and do a complete and full reinvestigation. The creditors or credit furnishers did not give me complete and verified information that I requested. It's easy to say my name and address and social is verified if someone is using my personal information than it would have be accurate. What about the rights of the consumer who has been victimized? I demand a full and complete reinvestigation and to block all fraudulent accounts listed on my complete identity theft report not pick and chose what should be blocked.

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 2024-07-08 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: TX

Complaint narrative:
I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or 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 2024-07-08 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: FL

Complaint narrative:
I pulled my transunion report and recognized alot of inquiries still reporting on my report that i did not authorize. This inquiries are a violation of my consumer rights and they should be removed. I do not have any accounts with these creditors. 

XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies must correct inaccuracies within 30 days. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), highlights the legal obligation to promptly address disputes. These accounts have not been resolved so i am escalating the matter.

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 2024-07-09 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation 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. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
My student loans are consolidated with SoFI. I attended The XXXX XXXX XXXX XXXXXXXX from XXXX. Recently the federal government has forgiven loans from that school. Additionally XXXX ( my former student loan servicer with XXXX  ) has been forgiving private loans for former students. I have requested information and forgiveness for my loans from SOFI because of the misconduct of the school and former loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
Ive been trying to reach out to the creditors and Experian regarding the inaccuracies on my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Balance {$25000.00} Open date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-07-08 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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