vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NE

Complaint narrative:
On XX/XX/2022 I applied and was approved through upstart for a XXXXXXXX loan. Their electronic system reviewed my checking account. The next day on XX/XX/2022 they requested Bank statement, voided check and signature card from bank. After review due to me using a credit union the number on statement and account appear different as when have member numbers. On XX/XX/2022 they requested via email document of letter from bank verifying this is my account which I provided. I contact my bank first thing in morning XX/XX/2022 to get letter and sent over verification to upstart. Upon review they told me number on signature card did not match. I then contact my back again and they wrote a detailed letter Than I got another message in email the number on signature card did not match. I contact my bank again and they wrote detailed letter explaining the account member numbers and offered to answer any questions. I submitted for review and call customer service for the 3rd time on XX/XX/2022 to let them know I had submitted and if they needed anything further I would go to bank, find the manager and call them from bank to have my financial instuition send directly anything they need to finalize. Before even allowing a final review they denied my based on the comment that they could not verify my information on application. They did this before reaching out again or allowing me the fair right to complete process for a loan I was already approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, and XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Mortgage services Shell point requested a copy of my condo buildings hazard insurance via a letter that was mailed to me. Utilizing their XXXX XXXX XXXX service I promptly submitted a copy of the new insurance binder. When I received the same letter shortly there after I resubmitted the updated binder and followed up with a 40 minute phone call to get the issue resolved. 

Shortly thereafter I got a letter saying they had purchased insurance on my behalf. I finally got ahold of someone in their insurance department who was component and I was able to email the binder to and was told my file has been updated. 

I just discovered that they are billing me lender imposed insurance premiums. 

Uploaded an updated insurance binder via XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Followed up with a phone call on XX/XX/22. Called again on XX/XX/22 and emailed insurance binder. Was told on XX/XX/22 my account was updated to reflect the binder being on file. 

On XX/XX/22 my escrow was debited {$170.00} for Lender Placed Hazard Disbursement. On XX/XX/22 my escrow was debited {$58.00} for Lender Placed Hazard Disbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a request to remove errors in my credit report with Transunion. They did not investigate and only sent me a letter stating that my request to remove errors looked fraudulent. However, when I filed my complaint, I provided a copy of my driver 's license and a utility bill to verify my address and name. 

After receiving their letter about fraud, I sent another request to remove incorrect information from my credit report. Transunion again sent me a letter stating that my request looked fraudulent, even though I sent my driver 's license and a utility bill again. 

I, again, filed a request to remove errors from my credit report. I have not received any further response from them.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Aiden & Bodley  Enterprise
State: VA

Complaint narrative:
I paid for Credit repair from XXXX XXXX current and no disputes were sent on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
This debt is not mine, my account was subjected to fraudulent activity I provided a letter for TRS to recover to prove this debt is mine they still havent provided Im a victim of identity theft/forgery.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX {$260.00} Not my account, no response from the bank. 

XX/XX/2022 - XXXX  XXXX  {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX  {$260.00} Not my account, no response from the bank. 

XX/XX/2022 XXXX XXXX XXXX {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Shut my card off without explanation. I am XXXX XXXX XXXX with an excellent credit rating above 800. I pay on time and ahead. 
I have spent 9 hours talking to : Customer Service Fraud dept Collections dept Risk dept All departments are unable to explain why the card was shut off.

I am pushed from one department after another without resolve.

A supervisor told me at one point the card had improperly been coded as a charge off. He promised to get back to me with some resolve but never did.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX there was a Capital One credit inquiry added to my report. I never applied for a capital one in XXXX. I just received and applied for Capital One this year on XX/XX/XXXX. The hard inquiry on my report from XXXX in definitely unauthorized and fraudulent. Please remove this XXXX XXXX from XX/XX/XXXX from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I have been a customer with XXXX XXXX for some time now. I have made substantial deposits in the past, one deposit equaling up to $ XXXX with no issues. I have had no problems or issues. On XX/XX/2022 my employer mailed a check to my office, for me with my name on it to deposit for a XXXX party. I used XXXX XXXX mobile deposit like I have done in the past. The deposit confirmed and the funds were not immediately put onto the account. No worries. Later that evening I received an email stating it would take until XX/XX/2022 until the {$1000.00} funds would be available because, they had to verify it. No problem. On XX/XX/2022 I went into target to do XXXX shopping when I got to check out I swiped my card and was unable to use. Their is no one to reach over the weekends so I was without funds the entire weekend. I was unable to get presents, gas, or food for my children. The bank never called nor notified me my entire account would be froze. I was unable to log into my mobile banking account. ALL of my funds were on hold without one reason as to why. On Monday XXXX, XXXX XXXX I had to call several banks due to majority of them not answering the phone. I finally get in touch with someone at the bank in XXXX XXXX on XXXX XXXX and explain what happened. It seemed no one knew what was going on or even why my account was froze. I left from work which is time away from working to handle this. When I arrived at the bank XXXX XXXX the branch manager told me he didnt know what was going on from what he say the check wasnt fraudulent he was unaware as to why they would freeze my funds. Then, he proceeded to say my account had been closed. I asked him why is that? He wasnt sure. I asked him well sir I have over $ XXXX in both the savings and checkings can I just get my funds out of my account until youll figure out whats going on with the check. He told me they could not release any of my funds to me as my balance was at a {$0.00} on both accounts. I told him that isnt right. I asked for my money he told me there was nothing he could do. Fast forward two hours of me sitting in the parking lot of the bank I called my company and notified them of what happened. My company informed me that the check had cleared from their XXXX account on XX/XX/2022. The same day I deposited it. So why would they close my account without having any access and not even being called about what was going on if they cared or was conernced it couldve been suspicious activity. This has cause me such grief, pain, emotional distress, loss wages from work and I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the weekend because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PENFED CREDIT UNION POSTED AN OPEN LINE OF CREDIT ON MY CREDIT REPORT XXXX XXXX AND NEGLECTED TO SEND ANY INFORMATION TO ME ON CREDIT APPROVAL AND I HAVE NOT BEEN ISSUED A CREDIT CARD SINCE I DISCOVERED THIS ACCOUNT ON XXXX XXXX WHILE REVIEWING MY BANK STATMENT ONLINE.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I received a Notice on my credit report saying that I had {$98000.00} owed to a establishment called XXXX XXXX XXXX  in XXXX XXXX  Someone used my name and identity to cosign a lease. I filed a complaint with my local sheriffs department. They have a recorded statement for me under oath saying that I was a victim of stolen identity and my Personal information was used without my knowledge or consent. I have had some issues in the past with my identity being used to purchase other items. I was able to stop it from going through. I also have had a freeze on all three credit bureaus with my identity. XXXX XXXX XXXX never contacted me by phone for any other method and used the information given to them to be used for a lease application and as me as the guarantor of the lease. I do have identity theft with XXXX XXXX They have been made aware of whats going on. XXXX XXXX XXXX has failed to return my calls concerning this. I believe that my identity theft may be with someone in their organization. The phone number for XXXX XXXX XXXX is XXXX. 
My phone number is XXXX. 
Thank You for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA

Complaint narrative:
Did not authorized or give Prestige Financial Service written consent to obtain my XXXX credit report on XXXX. I did not apply for credit with Prestige Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only adrdress is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

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