vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
i applied for a personal loan on XX/XX/year>, from XXXX and was redirected to Upstart. The loan was to pay off credit cards totaling about XXXX. Upstart denied me after doing a soft credit pull with XXXX and XXXX. They stated that the credit bureaus reported i had issues repaying my current creditors and they could not verify my work history or income. I knew immediately that was not true all 3 bureaus have reported me as having 100 % on time payments having never been late or missing any payments for the duration of having credit. The bureaus also have my income and work history verified. In addition, they noted i had a lot of inquiries in last 12 months when in fact Ive only had one hard pull on my credit report in 12 months. They denied me the debt consolidation loan but was quick to approve me for an instant same day loan of {$1200.00}. 
They got all my bank information including password, username and acct # 's. They said they did not request it but did thru XXXX. I thought the purpose was to verify income and consistent direct deposits as proof. I reached out to all 3 bureaus, and they told me the information given for denial was incorrect and redirected me back Upstart. Upstart is redirecting me back to credit bureaus. This is so screwed up im not sure who is telling the truth. i consistently check my reports i know my credit usage is high this was the purpose of the loan to pay off the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management filed a civil case against me to collect funds for 2 accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The accounts are not mine. I didn't authorize anyone to use my information to obtain these accounts. We went to court and the case of dismissed. The accounts are still showing on all three credit bureaus and I would like for them to be removed. They are still reporting every month as if we didn't go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: CT

Complaint narrative:
please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

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 2024-06-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accountXXXX XXXX XXXX Experian Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX  is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

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 2024-06-01 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: MS

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Self Financial Inc.
State: TX

Complaint narrative:
Self Lender This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Self Lender Account # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Self Lender is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-06-01 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: IL

Complaint narrative:
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXX, and Equifax Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : XXXX Charge off CCB/MPRCC Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX DC Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

EQUIFAX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX Experian, and XXXX Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : XXXX Charge off CCB/MPRCC Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX DC Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been paying my Sallie Mae/Navient loans since XXXX. The loans were prepared for payment 6 months from my time of graduating. I explained to the rep when I spoke to them that I wasn't able to make a full payment on the loans as I hadn't obtained a job ( though this was something nearly guaranteed by the school I enrolled in ). At the time, I was told from Sallie Mae to try to defer by forbearance. This went on for several years until I was able to begin payments, all while paying the interest on the loans. Finally, I began making payments that I was told would touch the principal and the interest and that I would see my loans come down in amount. It has been close to 16 years of paying them and the loan amounts haven't moved. When I asked recently how long it would take to pay them off, I was told the best date they could provide was sometime in XXXX. I have been faithfully paying these loans, in spite of the shifting monthly amounts, for several years, even during the pandemic, to no avail. All for a school that lied about job placement being nearly guaranteed through their internship program. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of paying a bill and I am not seeing any movement on these loans at all. The interest rate is absurd and I am unable to contribute in any significant way to the economy because I'm saddled in private student loans debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Saturday XX/XX/XXXX, the first text message came to my private phone which I did not authorized then to contact, then text again XXXX, XX/XX/XXXX and also e-mail on XX/XX/XXXX which I did not authorize. the text messages and emails are attached with my responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 

In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records.

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Lowes credit card ( issued through Synchrony Bank ) started to charge a {$1.00} paper statement fee. I told them that their whole business model requires communication with the customer and has used paper statements since the existence of this industry. 

I said the proper course of action would be to give people that want " paperless '' statements a {$1.00} credit - not create a profit center off loyal customers. 

If they have XXXX credit customers at XXXX a month, times 12 months, that's over XXXX XXXX in increased net revenue per year while lowering service to the consumer.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hey im not able to open a bank account I would like all negative items deleted from my consumer report due to Section 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/year> XXXX INFORMED CAPITAL ONE THAT THE ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT THATS NOT MY ACCOUNT. I NEVER APPLIED FOR A CAPITAL ONE ACCOUNT AND HAVE NO KNOWLEDGE OF THIS ACCOUT I WILL LIKE IT TO BE REMOVED AND INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
This company is reporting a debt balance of {$690.00} which is negatively impacting my credit score. I never received a letter to dispute the validity of this debt, therefore the debt collector broke the law of the FCRA. I do not have any knowledge of this account that this debt collector claim I opened in the year of XXXX I will like them to provide a copy of my wet signature and proof of my IDENTIFICATION showing that I opened this account, otherwise I will like them to remove this negative tradeline immediately.

Company response to consumer: Closed with non-monetary relief