vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I logged into my Upgrade app to remove my stored banking information but was unable to find where or how to do so as the only option is to add another. 

I then also loggged into their website hoping that functionality was not available in app. Again, I was unable to remove the information. 

At XXXXXXXX XXXX, I called their customer support number, XXXX, and spoke with a live agent to ask them where I could do so or have them remove for me. The agent kindly agreed to deactivate them. I explained I did not wish for mere deactivation, but desired full deletion/removal, as I was concerned about the possibility of future data breaches. The agent stated their system did not allow for deletion of bank information and again offered to deactivate them. I reiterated my concern was not with unauthorized payments but did not want my data to be available in their system should they ever experience any sort of data breach. I was again told their system would not allow for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus by Goldman Sachs states that savings accounts have been opened in my name. There are multiple accounts each with its own account number stating that I need to add funds to my savings account. Each account is under my name ( by it omits my middle name ) and each correspondence has been sent to my parents address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I am getting calls where the caller is posing to be a USAA agent. They seem to have about the first XXXX of the numbers of my credit card and are trying to get the rest. This started around a month ago and I have notified USAA about the situation. My most recent activity was a call yesterday, XX/XX/XXXX at XXXX XXXX from XXXX XXXX. I had another call today, XX/XX/XXXX at XXXXXXXX XXXX. from XXXX. XXXX. They keep trying to convince me that they are from USAA and keep trying to get my full credit card information. This is a recurring activity of theirs. They have been able to spoof the USAA caller ID with the actual USAA phone number in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NV

Complaint narrative:
Experian has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Experian agency report that need to be removed due to them being now considered income. XXXX XXXX, XXXX XXXX XXXX accounts, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also XXXX accounts in collections XXXX XXXX  and XXXX XXXX. They are to be taken off my report for XXXX reasons XXXX ) I have no contract with them at all and I informed them that they were to cease and desist. XXXX ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX  and XXXX XXXX would be a third party. They also did not help in taking off my names as I will allow only XXXX XXXX XXXX all the rest need to be removed. Also they need to remove the XXXX hard inquiries along with the XXXX soft inquiries. Lastly the only address that should be online there would be XXXX XXXX XXXX XXXX XXXX, NV XXXX. The other addresses are not deliverable addresses. ( I have no collection accounts ) as reported by other credit agencies and they all have to report the same this is an error.. I will also attach the IRS 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the last few months I continue to try to access my free annual report but TransUnion online platform never works and constantly gives me errors. When I contact support they give me the run around.

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 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I wrote to PNC ( XXXX ) on XX/XX/XXXX, at XXXX XXXX  to inform them that my debit card and cellphone were stolen and to request that my account be frozen. The email address XXXX is designated for reporting fraud, and this was my only way to contact them because my phone had been stolen. Additionally, I could not log into my account online because my phone had been stolen and I couldn't do two-factor authentication. PNC did not freeze my account, and at around XXXX XXXX, my PNC debit card was used to make a purchase at XXXXXXXX XXXX XXXX  ( which I am not a member of and have never been a member of ) for {$1400.00}. 

After realizing this, I went to the XXXX Police and made a police report. Additionally, the same day, I called PNC, verified my identity, reported the stolen card, and disputed the charge immediately. The same day, I went to PNC in person at the XXXX PNC Bank Branch XXXX XXXX and spoke with staff there to inform them of the theft and to request a replacement debit card. 

Subsequently, I disputed the {$1400.00} charge using the PNC App and inquired again on XX/XX/year>. The funds have still not been returned to my account. I simply want the funds returned to my account as soon as possible, as I have been waiting for almost a year and have missed out on opportunities to invest that money. 

The XXXX police ( specifically, Detective XXXX XXXX ) were able to verify, using security footage, that I was not the person who used the card at XXXX 's XXXX. In fact, two other credit cards were stolen and used, and those credit cards ( XXXX XXXX and XXXX XXXX managed to either block the charges when I reported them or completely refund me. PNC has refused to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: GA

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 non-monetary relief
Consumer complaint received 2024-07-06 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:
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment XXXX Fields XXXX - Address, Positions XXXX ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment , Fields 8-13 - Address, Positions 66-104 ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of debt bondage, a form of XXXX XXXX where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.

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 2024-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
I have tried to make a payment multiple times. I sent a bill payment from my bank, and you returned it to me ; I sent a payment by XXXX XXXX, and you didnt accept it. For no reason, I cant make a payment by ACH ; please reply to this fax letting me know why you arent accepting my payment. And what do I need to do to get the money to you? This is crazy ; I have sent Carrington Mortgage my payment 3 times now. Can my bank send you a wire transfer or a BANK CHECK?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: CA

Complaint narrative:
These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit.

I want these 4 erroneously reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation

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 2024-07-06 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: TX

Complaint narrative:
experian continues to mix up my credit file with my father. I constantly have to contact them to remove items from my report. I have the same name as my father however we DO NOT have the same social security number. I have had to contact experian over 3 times report remove incorrect information from my report. experian needs to do better.

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 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
SELF XXXX XXXX XXXX XXXX  XXXX, MO XXXX Dear SELF, I am writing to dispute the accuracy of certain disclosures in the credit agreement associated with the SELF Account number XXXX, which I believe to be in violation of TILA Section 1026.6. It has come to my attention that the following disclosures are inaccurate and misleading : the date of last reported delinquencies of two late payments.

These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, which mandates that disclosures must be clear, accurate, and in compliance with federal regulations. Furthermore, under 15 USC 1681 Section 602, I have the right to privacy, and 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I never gave you or the above-listed creditors any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b . Additionally, pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date.

The Credit Reporting Agency has caused severe stress and anxiety due to these abusive and unfair practices. I request that you promptly correct these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights.

Please provide the following information : 1. Revised and accurate disclosure statements.

2. An explanation of how the inaccuracies occurred and were identified.

3. Proof of compliance with TILA Section 1026.6 requirements.

I anticipate your timely response and a satisfactory resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-07-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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