vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: NV

Complaint narrative:
I sent a letter to XXXX letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. XXXX has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/2024. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over XXXX times, making trillions off my signature. XXXX is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my 70 % according to XXXX XXXX for trading my security on the market as a security now where is my money owed to me. XXXX sends me a statement every month which is a book entry security which is evidence of a bond. Now XXXX wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature.

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NV

Complaint narrative:
I sent a letter to XXXX letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. XXXX has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/2024. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over 33 times, making trillions off my signature. XXXX is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my 70 % according to XXXX XXXX for trading my security on the market as a security now where is my money owed to me. XXXX sends me a statement every month which is a book entry security which is evidence of a bond. Now XXXX wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature.

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-22 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: FL

Complaint narrative:
I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Around XX/XX/year>, Citibank placed an account hold on my checking account with no notification to me. I noticed the " account hold '' within a day or so and called XXXX to inquire why my account had been frozen. The main Citibank customer service number was able to verify my identity and confirm all of my contact details.

They then explained to me that the Citibank " wealth management '' team had placed an account hold on my funds. I questioned how this was possible since I had no relationship with the " wealth management '' group at Citibank. The main Citibank number instructed me to call the " wealth management '' team to get the account hold removed.

When I was finally able to reach the " wealth management '' team, they claimed that they had put a hold on my account because I had not verified information with Citibank. This was in direct contrast to what the main Citibank team had told me. The wealth management team then told me I would need to answer their questions or the account hold would not be removed.

The " wealth management '' team claimed they had authority under the Patriot Act to demand this information and proceeded to ask me a series of questions about how much money I had available for investment purposes and how I was currently investing my money. They also verified that they had all of my contact information but claimed it was some kind of oversight that had led to my account being put on hold.

Within a few hours, the hold was removed from my account. 

On XX/XX/year>, my account was again frozen through an " account hold '' by the " wealth management '' group. I was forced to move through the same process again in trying to remove the account hold from my account. 

I do not see how it is proper to have a bank freeze your money until you provide them with information on your investment practices. It appeared to me that the wealth management team was simply using this process to determine if I had enough assets to target me for their services./

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 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/2024, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/2024. My original deadline to recertify was in XXXX, so my deadline should have been pushed. See link to the announcement here : https : //studentaid.govXXXX On XX/XX/2024 ( screenshot below ), after waiting for Mohela to update to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/2024, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed, and now they are trying to get me to pay a higher monthly amount even though borrowers are not required to certify until earliest XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
I have these fraudulent inquiries affecting my score to which I never had any associated nor was ever aware of. I have disputed these fraudulent inquires before but was ignored.

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 2024-04-22 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: VA

Complaint narrative:
I called Equifax XXXX, XXXX, XXXX, Equifax Mortgage Servi , XXXX and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have all documentation proving that I have not had any late payments. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-22 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Money took from my cashapp and sent to someone XXXX XXXX while I was is jail, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/XXXX {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/XXXX, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation ( that is the complaint I filed to the CFPB because I was in jail from XX/XX/XXXX until XX/XX/XXXX, and Ive been getting XXXX For the past XXXX years, so I was supposed to get out and have a lot of money, come to find out someone has stolen my information, logged into there phone, and sent my XXXX XXXX  TO THERE XXXX XXXX  EVERY time it got deposited while I was in XXXX, I didnt file every one that wasnt me but Im working on it, cashapp has denied XXXX out of XXXX of the disputes! Some with XXXX hours, I never got a provisional credit just all denial, and Ive didnt a complaint with the CFPB , the FDIC , and the XXXX  in hope of getting at least some of my stole Money back! Ive been in XXXX XXXX months! It wasnt me, you can even see where my account was logged into from so many different locations before I logged them out and filed the disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to get my credit score and report from XXXX and TRANSUNION but its showing error code " NH '', I can see my other scores but not XXXX, I have been trying to resolve this issue goin on 2 years now and they keep giving me the runaround and ive sent the information they requested multiple times, sensitive information through mail at that. I just want to be able to access my XXXX and TRANSUNION report and score.

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 2024-04-22 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: NC

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-23 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: MA

Complaint narrative:
Recently I pulled my credit report and found two ( 2 ) items on there to be inaccurate.According to fair credit Reporting Act, section 611 ( 5 ) ( A ) and Under 15 U.S code 1666B, Any billing errors, inaccurate information, and incorrect information must be completely deleted of which can not be verified by FCRA. 
The names of the Accounts as follows : XXXX XXXX and XXXX XXXX. XXXX  said I was 30days late, of which is inaccurate information, i didnt get any bill from them telling me I owing such and such .Tt also my understanding that the FCRA15 U.S.C 16811 , say that every single one, even each any or all of the unproven, Non - compliance, untrue, Errors, incorrect aspect of any alleged derogatory account, must be completely deleted, or otherwise, NOT proven, untimely, incorrect not my responsibility.and I sk them to furnish me documents and proof that the alleged late payment, and they didnt do any investigation.and I told if unable to provide me, they should update my account to never late .there was no 14 days notice of late payment latters sent to out to me buy both companies on the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: U.S. BANCORP
State: MI

Complaint narrative:
I noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : USBANK XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never 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 non-monetary relief