vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
I was approved for two loans through XXXX XXXX  - Upstart. I had been making payments regularly and then got into a hardship program. I have not been able to make ends meet since. So they took me off of the hardship program and sent me to collections. I have tried everything possible to make payment offers before they charged off my account, but each representative, kept promising that they could help me. So, two different occasions I made payments, only to find out that they would not be able to help with hardship. So they would send a link, it wouldn't take my response, and then they would still take partial payment and say the hardship department can work something out with me. 

Basically, empty promises and I believe this is a good faith issue where this loan company is not practicing it. There is a promissory note, but how can I work out payment plans when they will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
Hi I notice some unauthorized inquiries account installment loans car loans collections and student loan on my account that not mines an thats not accurate and are paid off and by the FCRA I would like them removed or pay and pay as agree XXXX  XXXX XXXX XXXX paid off but have late payments never missed and 15USC 1681 A, 2, a, I, Late payment Student loan thats not mines in I want them to b removed or pay or pay as agree XXXX XXXX XXXX XXXX {$7400.00} {$4300.00} {$1400.00} DEPT OF EDUCATION/XXXX XXXX {$6200.00} {$4300.00} {$4700.00} {$1200.00} {$39000.00} {$930.00} {$7700.00} {$5400.00} I also have 2 collections thats not mines want they remove off my credit report XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$620.00}

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 2024-05-02 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: HI

Complaint narrative:
I am writing to follow up on my previous complaint regarding a negative account that I believe is inaccurate and misleading, which is adversely affecting 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 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX 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 2024-05-02 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: MO

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 Account name # 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 XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 s -2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

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 2024-05-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
On XX/XX/2024 at XXXX XXXX, I sent an international moneygram transfer for the amount of {$100.00} + {$4.00} transfer fee to XXXX but unfortunately the recipient was unable to collect the transfer due to identification card being stolen. At XXXXXX/XX/XXXX that same day, I went on moneygram website and cancelled the transaction. I was told that the money will be deposited to my bank account but I have been waiting since Moneygram transfer reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XX/XX/2024 at XXXX XXXX  I received a phone call from Navy Federal 's phone number XXXX. The representative on the phone stated that there was potential fraud on my checking account and that my account security was being re-set immediately and that my password needed to be reset. I also received an email and text message from Navy Fed stating that my account password had been reset. At this point I could no longer log into my account as my password had been changed and my account was compromised. I immediately called Navy Fed from another phone and the representative informed me that whoever had called me at XXXX was committing fraud against me in order to steal funds from my account and that they had done so successfully. The fraud was commented in the following manner : The perpetrator stole my account access by using Navy Federals actual phone number and email account, then went into my account and claimed fraud on recent purchases that I actually purchased for XXXX, XXXX, XXXX, XXXX, XXXX totaling XXXX. This was done in this manner because Navy Federal provides a provisional credit immediately once claiming fraud on a purchase. As soon as that provisional credit was given to my account all of this money was verified to have been transferred to another Navy Federal Account ( member to member transfer ). As soon as I filed a claim for actual fraud Navy Federal took all that money back from my account to replenish their provisional credit but still has not recouped my actual funds to me that was transferred fraudulently to another Navy Federal Member who I have no relation with. This resulted in me being placed in a negative XXXX status. On XXXX XX/XX/2024, I received my XXXX XXXXXXXX direct deposit to this account and was automatically deducted the negative balance which was not my negative balance to begin with. In addition, Navy Federal removed another XXXX dollars with the subject stating " adjustment -debit ''. I have been speaking to Navy Federal in person and over the phone every day with the re assurance that it was fraud but there has been no attempt to recover my funds into my account. Navy Federal Immediately made sure they took my XXXX XXXX pay to recover their lost funds but have done nothing to pay me back. I can not even afford to pay my monthly rent and I currently have a XXXX  daughter as well that I need to be able to provide for. Today I spoke to a supervisor, and he stated there is nothing he can do for me other than tell me to continue to wait up to 90 days for my funds to be returned. He said it is possible for the fraud department to provide my a provisional credit of my funds back but would not allow me to request that formally. He stated it's up to that department and I can not talk to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item 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 non-monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
Account : XXXX XXXX  XXXX I am writing to formally assert my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of Title 15 of the United States Code. Specifically, I would like to draw attention to the following sections : - 15 USC 1681 SECTION 602, which grants me the right to privacy regarding the information contained in my consumer report.

- 15 USC 1681 SECTION 604a SECTION 2, which stipulates that a consumer reporting agency can not furnish an account without my written instructions.

- Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I want to emphasize that I have never provided written instructions to either of the credit reporting agencies or the above-listed creditors to furnish any information on my consumer report, thus potentially violating 15 USC 1681b . 

Additionally this account has been closed due to the company 's willful negligence in reporting information against my permission and litigation is in process. XXXX, Experian, and XXXX XXXX are now co-conspirators and I will not hesitate to amend my complaint and include them. I have been sending the agencies correspondence for XXXX  months demanding their compliance and now I have had it. These agencies have also not marked this account as being disputed after SEVERAL disputes sent to them. They are willfully negligent in NOT ensuring the information on my consumer report was XXXX  % accurate prior to publishing it WITHOUT my consent! 

The actions of the Credit Reporting Agency in furnishing information without my explicit consent have caused me severe stress and anxiety due to what I perceive to be abusive and unfair practices. 

I request your immediate attention to rectify this situation and ensure compliance with federal laws governing consumer credit reporting. I also urge your agency to take necessary steps to prevent similar violations 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 2024-05-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Account still being reported as delinquent/late and closed after paid in full XX/XX/year>XXXX 2023

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

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!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-05-02 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-02 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-02 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On my XXXX and XXXX reports its showing that Bridgecrest financial which is my car loan company has reported XXXX missed payments which is inaccurate. 
I have tried to call the company and speak to someone about this but its getting no where. 
I requested to be provided with specific proof that these alleged late payments were in fact late. 
I have had an account with this auto loan company since XXXX. Reporting XXXX missed payments is not correct. Their would have been a repo order out on the car and I have never had anything like that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX I reported fraud and opened a fraud investigation and asked for my Lowe's/Synchrony account to be closed. At that time they did not tell me another account would be opened automatically, nor did they advise that someone had impersonated me and had a card mailed to another state. 

As of today, my fraud claims on 3 different cards equate to approximately {$15000.00} due to the negligence of Lowe 's and Synchrony bank. Despite spending many hours on the phone over 7 phone calls, I have no confidence they are resolving the issue. 

On XXXX XXXX, XXXX I learned through my credit report there was another large balance. I opened another fraud claim and demanded the account be closed. They did not tell me that another card would AUTOMATICALLY be reiussed. Each time a fraud claim is opened it TAKES 60 DAYS to get any information about the investigation even if it is related to a claim already filed previously. They will not link the claims. 

On XXXX XXXX, XXXX I received a past due bill for a 3rd card. The thiefs are apparently going into the stores in another state and using my SS # to make purchases each time a new card is issued without my knowledge. I opened a THIRD FRAUD claim and was told it will be another 60 DAYS until any informatin can be shared about the investigation even though it's related to the first investigation open on XXXX XXXX. 

Each time I've called - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX the fraud department assures me my account is closed which is untrue. Each time I call I get conflicting information about the status of my claim and what they are doing to proceed. 

I am in month 5 of this nightmare and just closed the 4th card account opened " automatically '' without my knowledge after being told just yesterday my account is completely closed. 

In XXXX, I signed up with XXXX, XXXX and XXXX and froze my credit but SYNCHRONY BANK AND LOWE 'S continue this nightmare with their horrible practices, conflicting information and lack of communication. I've spent hours on the phone only to find out later nothing was handled.

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 2024-05-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: AR

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-05-02 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: PA

Complaint narrative:
I noticed some accounts on my credit report that are not mine. Please remove immediately see attached FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have sent several Notices regarding Equifax can no longer report Child Support or Judgements ( BANKRUPTCIES ) Equifax has continued to ignore and intentionally deny my Federally protected consumer rights and now are in violation pursuant to the FACT Act and to the FCRA XXXX amendments regarding : '' collection of an account '' permissible purpose to obtain a consumer report only when the collection is in connection with with a credit transaction. Equifax is still reporting STATE OF WASHINGON SUPPORT LAST REPORTED XX/XX/XXXX on TWO accounts on my Equifax Consumer Credit report and is showing a monthly payment of {$1600.00} Opened XXXX XXXX ( 3yrs, 6 mos ) and a monthly payment of {$10000.00} Opened XXXX XXXX ( 1yrs, 11 mos ). Equifax is clearly in violation of the FCRA XXXX AMENDMENTS as well as the FACT Act. I am now within my rights under 1692k to take lawful action ordering judgement. This NOTICE is given to the CFBP to pursue action against Equifax Information Services , LLC. I have enclosed a NOTICE OF VIOLATIONS/ FEE SCHEDULE showing each violation committed willfully against my federally protected consumer rights. I now seek monetary compensation as required by the FTC, CFBP AND Title 15 U.S. Code Chapter 41 Consumer Credit Protection I have also attached supporting documentation as proof of this violation

Company response to consumer: Closed with non-monetary relief