vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: NJ

Complaint narrative:
myloancare.com is experiencing issues and this is not the first time. You can't reach them via phone or email and their website is not working.

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 2023-11-30 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: CA

Complaint narrative:
XXXX XXXX                           I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
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 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: NY

Complaint narrative:
each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

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 2023-11-30 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: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-30 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: OH

Complaint narrative:
15 USC 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 TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 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 2023-11-30 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: OH

Complaint narrative:
15 USC 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, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-30 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I sent a payment to Bank of America for my monthly payment in error on XX/XX/2023. It was meant for XXXXXXXX XXXX I realized this on XX/XX/2023 and inquired how I could get my money back since I always have a XXXX balance on that card. I was told my options were as follows : 1. Visit a branch office and do a cash advance and pay {$110.00} to borrow my own money since I have a {$3500.00} credit balance. I am not borrowing their money.

2. They would transfer the money back to my bank that sent the payment within 10 business days. 

I have yet to receive the transferred amount back in my checking account and the balance on the BOA card went to {$0.00} on XX/XX/2023. 

I called and spoke to a manager that told me they do not have my money and that they can keep it for 30 business days which has now expired.

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 monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is withholding my credit profile from lenders who are requesting my credit report. 

Ive called Equifax over 5 times to get this matter resolved and they would say that there arent any holds or freezes on my credit profile which is false. They are not doing their job and they are holding me up from obtaining credit from my CreditUnion. 

Ive submitted my ID to confirm my information and they still have not updated my file or releasing my info into creditors. 

I have a attached a screenshot of the application denials due to Equifax unwillingness to supply XXXX with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Innovative Funding Services, L.L.C.
State: MD

Complaint narrative:
On XX/XX/2023, I executed a vehicle lease buyout through Innovative Funding Services DBA Tresl. On XX/XX/XXXX, I notified my finance advisor that the loan documents incorrectly charged me sales tax and original leasees in Maryland do not have to pay additional sales/excise tax on lease buyouts. Even after providing the statutory language, the advisor disagreed. I also pointed out at this time that the lease documents charged me a new registration fee of {$290.00} when I would in fact be keeping the current tags and registration. In XX/XX/2023, after I still had not received a new title in the mail and several phone calls, I was told that I would be refunded if the MVA did not charge Tresl once they finally submitted my title paperwork. In XX/XX/2023, I resumed emailing about the sales tax and registration fees after the MVA confirmed that Tresl had finally submitted my title transfer, two months after my loan was executed. Tresl continued to state that I was not owed any refunds. I then went back to the MVA, who has refunded me the sales tax, which was incorrectly billed because Tresl did not submit the appropriate forms at the time of titling, and MVA informed me that the refund for the {$290.00} registration fee must come from Tresl because the state never charged them for new registration. Tresl has shared the new title with tag transfer XXXX receipt confirming that they were never billed {$290.00} for new registration. Since XXXX, my calls to Tresl and my title specialist go straight to voicemail. They also no longer respond to my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC, under the name XXXX contacted me via email in XX/XX/2023 threatening to sue me for as debt. 

I had never heard of this company and responded as such to the email, I received a reply stating they would send me a letter and not contact me via email again. 

In XX/XX/2023 I received a second email, again threatening to sue me, I once again responded I do not know you and I was supposed to be getting a written letter not an email. 

5 days later I got a letter telling me they had received my request for proof of ownership of debt, but no proof. 

In XX/XX/2023 I wrote a letter requesting evidence of ownership of debt, in reply to the written letter I had received asking for the original contract with my signature on it, a copy of the payment history for the debt and a copy of the contract between the original creditor they claimed and themselves. - I received NO REPLY. I gave a 30 day deadline to respond. 

On XX/XX/2023, I received a letter dated XX/XX/2023 from a XXXX XXXX XXXX, XXXX. Telling me they were contacting me on behalf of LVNV Funding LLC and they still did not supply the requested proof of ownership or validation of debt. 

I responded to this letter to explain I had asked for proof of ownership and validation of debt and had been met with silence from XX/XX/2023 until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-30 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: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-30 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 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 reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD                          I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
XXXX XXXX XXXX  Removal date
XXXX XXXX
Additional details
Business type
Bank Credit Cards
Contact info
Address XXXX XXXX XXXX XXXXXXXX
Phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I was charged a XXXX interest charge and I called Citibank customer service to find out what it was for. The customer service representative told me it was for XXXXXXXX XXXX XXXX XXXX fee. 

I told her I never have paid interest on that and that I signed up for it back in 2010 when I got the card. 

The customer service representative told me they do not offer that and that is when I looked it up and found this article XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEM DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I WAS IN FACT A VICTIM OF THIS DATA BREACH EQUIFAX HAS NOT DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a home depot credit card. When I went to start a project with home depot, the contractor came to my house, and helped me increase my balance to the home depot credit card so that the project can be financed. I was told there was 24 months 0 % interest. I had made my payments on auto pay, so I don't have to worry about late payments. so It is my fault for not checking, but no when I went to check the balance, I notice that the balance is way over what the project cost. When I called to inquire about it, they said that we only had 12 months deferred interest, and they don't show anything on the file about the 24 months 0 % interest on file. And since I'm calling 60 days over the 12 month promotion, they can't fix the account. So I'm stuck with {$6000.00} deferred interest plus {$500.00} something on monthly interest alone. At this rate, I will not be able to pay the balance off at all. I told them that, and asked to find a solution and the customer service lady said they can not help me at all. and when I asked for a manger, she said the manager will most likely give me the same answer.

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