vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been fighting Identity theft on my account for years and EQUIFAX refuses and lied to you all about the information NOT reporting on my files. It has cost me thousands of dollars in credit and interest rates for something I DID NOT DO. i have requested over and over again for Equifax to remove the collections on my account as of today XXXX even though they made a statement to you that is NOT reporting on my file. It is still reporting ONLY ON EQUIFAX. AS shown on a report dated XXXX the collection is reporting still on my file. XXXX XXXX XXXX XXXX has requested removal from all 3 bureaus over now 4 months and all has removed except for EQUIFAX. Equifax already may have been responsible for a lot of my Identity theft since they notified me years ago that there was a Data breach in which my identity may have been compromised and they STILL are reporting debt that was achieved thru IDENTITY THEFT on my file even though proof has given to them by XXXX XXXX XXXX XXXX that it IS not my debt. There must be some consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: The Aligned Company DBA Extra
State: OR

Complaint narrative:
The account was open with out my knowledge by a caretaker

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax reports their 3 party Vantage 3.0 reported my " credit report shows a lack of recent installment loan information. XXXX XXXX XXXX XXXX to receive credit report. 

Also, I have a very high Credit Score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Signed up for Cash App account.Recieved card in the mail.Set up account. When an employer tried to send money money wont go into account.He tried 3 times.I have called the company.There is really no way to contact this company.When you call on the phone someone from a far away country who cant speak english does Not know what the XXXX is going on. a Scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and Transunion said they have not received any letter. XXXX said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and XXXX said they have not received any letter. Equifax said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XX/XX/2023 in the names of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
It is on my business account with PNC bank. Business LLC. 

They deducted {$55.00} out of my account on Saturday XX/XX/XXXX. I did not sign up for a new program or was I notified of any pending deductions I want my money returned immediately or i want them to pay damages because it is causing me to be late on my credit card bills which will negatively impact my credit and finances

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 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: MO

Complaint narrative:
Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act XXXX. 


XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXXXXXX XXXX Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX XXXX and Experian inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act XXXX. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX XXXX XXXX XXXX is fraud.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have FNBO credit card ending in XXXX, It's a nightmare to deal with the customer service and another nightmare to dispute a transaction. 

I wanted to dispute {$13.00} out of this following transaction- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dining {$48.00} I also wrote this to FNBO credit card on their online platform, but they're not responding

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 2023-12-04 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: NC

Complaint narrative:
I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
EXPERIAN : 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 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 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 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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Examine the attached documents. I want the bureau to investigate these accounts, as they inaccurately report me as late.

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 2023-12-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I applied for a mortgage assumption in XXXX of XXXX  after my divorce was finalized. I have yet to close ( or information even go to the underwriter that Im aware of ) yet. I was asked to provide several pieces of documentation in which I did within the week of being asked. This documentation was excessive and extremely detailed. I was set to close in XXXX, but then my pay stubs were expired? Then I was set to close in XXXX, but now my bank statement is expired? Now I can not reach anyone to help me with this matter after I have called 10 times and sent 10 emails over the last two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My company paid {$5000.00} to me, via check. On XX/XX/2023, I deposited this check, via mobile deposit to my Huntington Nation Bank checking account. My funds were not available once deposit happened. And my account had been locked. I was unable to even log into my Huntington National Bank site. I received a letter from Huntington National Bank dated XX/XX/2023, stating that my check was being held until XX/XX/2023 due to making sure the funds were available from the bank they were being paid from. Huntington National Bank then froze my account, and NONE of my funds were readily available. I have contacted Huntington National Bank 10 times, and have been given the run around from every person that I have spoken with. The bank that my employment check is through, is XXXX XXXX. I contacted XXXX multiple times, and they informed me that Huntington National Bank had already cashed my paycheck in XX/XX/2023. Huntington National Bank is illegally holding my funds, and froze my account. Every time that I have contacted Huntington National Bank, not one representative or Manager can explain to me why my account is frozen, or why my funds are not available. It is now XX/XX/2023, and my account is still frozen, my funds are still not available. Due to this hold of funds for over a month, I have been unable to pay my family 's health insurance for XXXX and XXXX. It has now been canceled, and Huntington National Bank must be held responsible for paying for this to be reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian knows that this XXXX  XXXX XXXX account on my credit report has exceeded the Statue of limitations allowed its been over 10 years old. By LAW any accounts older than 7 years Need to be deleted off your credit report. Its against the law to be reporting old accounts thats over 7 years old and its also violating my consumers rights. Must be deleted

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 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
The Department of Education, through multiple servicers has added arbitrary debt to my loan on multiple occasions, some as long as ten years after I had already left school. 
They are adding thousands of dollars at a time to my debt load without explanation and have done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Before these dates all records are missing. 
They have no records of the payments that I have made since XXXX. 
They keep adding to this debt and every time I try to submit a complaint with the Ombudsman, the Department of Education sends the complaint to the exact same individual working for my current servicer who continues to issue the same nonsense response every time. 
They say that I owe them tens of thousands of dollars, even though I have an approved application through Borrower 's Defense under Sweet V Cardona. 
They tell me that they have sent me multiple checks that I have never received. 
They say that I now owe for these checks. 
I am on an IDR plan with {$0.00} dollar payments, and have been paying since XXXX, over 20 years on an XXXX degree, but for some reason the debt remains and grows. 
I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please review the attached documents. I request the bureau to investigate these accounts reporting me as late, despite my timely payments.

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 2023-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
Company is claiming no payments were made since XXXX. We paid {$1100.00} on XX/XX/23, {$1200.00} on XX/XX/23, {$700.00} on XX/XX/23 and {$1200.00} on XX/XX/23. This should leave us behind on XXXX months mortgage. However, we received a notice in the mail that we are 90 days past due, and have until the XXXX of XXXX to pay the full amounts for XXXX, XXXX and XXXX plus late fees and other fees. Because of them being hacked, no one can help us, all they can tell us is we must pay the {$7000.00} amount by XX/XX/XXXX, plus XXXX mortgage or they will begin foreclosure proceedings. They are unable to apply/refusing to apply the payments made in previous months, despite me having proof from my bank.

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 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: MI

Complaint narrative:
LoanCare , LLC wad taking over by ransomware. They have not contacted anyone except one email that stated that their website is back up and running. It was not back up and running. You can't get them on the phone at all. People have been trying for weeks. At one point they said they're not taking payments through the mail. And we can't get anyone on the phone. 

I should have money in my escrow account to pay for XXXX but they didn't pay it with the money in my escrow account and I don't want to make a payment anyway because they won't let anyone get in contact with 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