vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-12 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name XXXX XXXX Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and XXXX XXXX XXXX is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...

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 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank has refused to release insurance provided funds for required home repair in the amount of {$130000.00} and additionally incurred costs of {$65000.00} through todays date of XX/XX/2024. Criteria for releasing these funds changes with every call and is vague. The delays are preventing the repairs from being completed and the homeowner returning home.

- US Bank refuses to put in writing the criteria required to release funds.

- US bank has been asked to send a copy of the Escrow Agreement and will not. Claims division refers the issue to escrow/mortgage, mortgage refers the claim to claims division.

- US Bank refuses to provide a name/email/phone number to resolve this matter out of court. and will not provide a clear communication channel. The claim portal was closed. Any new documents must be faxed by the homeowner but the US Bank has changed the fax number 3 times.

- Homeowner has had to get claim and legal representation through XXXX XXXX XXXX in order to try to get funds released. An attorney has been retained to help but US Bank also refuses to respond to the attorney as well. US Bank was given authority to speak to authorized representative XXXX XXXX XXXX and the attorney. 

US Bank is clearly obfuscating the communication and will not provide the items required by law- a clear, written path to release the funds and escrow agreement. The homeowner is pursuing litigation. 

THIS complaint is from XXXX XXXX ( homeowner ) XXXX XXXX XXXX XXXX XXXX OR XXXX. This is my second time trying the complaint, on the first round US Bank denied knowing me or that they have written authorization to speak to my claim representative and attorney. All of this is blatantly illegal and I need help to make the bank follow the laws.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
The debt in question was more of falsely using my credit profile against me by setting up fraudulent debt of {$830.00} and then asking for XXXX XXXX through debt collection agencies. This purported debt has been disputed and canceled 5 times already. Now a new collection agency ( JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is harassing me for the same debt from XXXX XXXX and a representative of the collection agency is asking for lewd relationship with me over the phone for a fraudulent charge on phone service that was discarded since XX/XX/XXXX and threatening arrest, lawsuits and imprisonment if I do not comply. This treacherous mockery has dropped my credit below XXXX and I want {$18.00} XXXX for the damage conducted on my credit history and Scores due to a major XXXX from XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Fig Tech Inc.
State: TX

Complaint narrative:
FIG TECH INC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( FIG TECH INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FIG TECH INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FIG TECH INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from FIG TECH INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C FIG TECH INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! FIG TECH INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In FIG TECH INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of FIG TECH INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OK

Complaint narrative:
Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX. On XX/XX/XXXX, an incorrect bank transfer into my account was initated. This was a mistake as I was attempting to send my {$34000.00} out of my account to an external account. 
XXXX. There was a NSF on the external account and the transfer did not go through. Once again this was a mistake as I was attempting to send money OUT of my account. 
XXXX. On XX/XX/XXXX, in another attempt to send money OUT of my account I initiated a wire as I needed the funds transferred out immediately. 
XXXX. By Friday, XX/XX/XXXX around XXXX, I called Ally Bank inquiring about the status of my wire. I spent over XXXX hours speaking to multiple people who were unsure as to why the wire did not go out. In fact I spent XXXX hours with XXXX individual who was unable to get in touch with their wire department. The wire department was being completely unresponsive to the customer service representative and he indicated to me there was a problem with the bank sending wires. No action occured and no information was obtained as to why the wire was not sent out. Following XXXX hours of contacting customer service, I requested to cancel the wire. 
XXXX. I then initiated another ACH transfer OUT of my account for {$34000.00} on Friday. 
XXXX. On Monday XX/XX/XXXX, the funds did not leave the account. I called MULTIPLE times and spoke to multiple people who assured me that there was no restrictions on my account. No one could figure out why my funds were not leaving. 
XXXX. On Tuesday, XX/XX/XXXX, I called multiple customer service representatives who were unable to determine why the funds were not leaving my account. I have one customer service representative assure me that any restrictions were lifting. Shortly after spending an hour to reach that conclusion, I received an email at XXXX XXXX indicated that Ally has suspended my transfers. I then called AGAIN and inquired as to why my account was being suspended for transfers. I spoke to MULTIPLE customer service representatives include XXXX XXXX ( Supervisor ) who accidently transferred me mid-call to XXXX XXXX in Deposit Operations. Neither had any clue as to why there was a restriction placed on my account.

ALLY Bank is holding my funds against my will. The customer service representatives are knowingly misleading me. I feel discriminated against. I have spent almost XXXX HOURS dealing with person after person after person. I want to remove my funds from ALLY and CLOSE MY ACCOUNT immediately and they wont let me. XXXX XXXX even tried to claim i didnt have {$34000.00} in my account! I dont feel as though my money is safe. I feel defrauded. I dont know what to do. No one is helping me. I am submitting the latest screenshot of my account as of XX/XX/XXXX at XXXX ET in case ALLY attempts to defraud me and steal my money.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: KS

Complaint narrative:
I received a 3rd party collection letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector. Regarding an alleged account with Discover Bank Credit Card. The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes.

Discover Bank Credit Card has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX, while sending a letter as a debt collector, provided nothing to show I gave consent to Discover Bank Credit Card to transfer any information to XXXX XXXX. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what XXXX XXXX is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened an account with Citibank for their priority checking bonus offer and deposited {$75000.00} on XX/XX/23 and was expecting {$1000.00} bonus but haven't received it despite holding for more than the required 60 days. 
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 2024-03-12 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: NY

Complaint narrative:
Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : XXXX XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor TransUnion reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : XXXX XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, XXXX and TransUnion highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-03-12 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:
Ensuring punctual payments on this account has always been my priority, ensuring they are never overdue. I'm puzzled by the late payment remarks on my accounts and believe corrections should be made under 15 USC 1666b - Billing Error.

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 2024-03-12 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: TX

Complaint narrative:
XXXX XXXX/XXXX/2024 XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX/XXXX/2024 XXXX XXXX S XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX  XXXX XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 I have inaccurate information on my credit report. This is a violation of my rights and i am distraught.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
Under FCRA 605B, I understand that we must remove any incorrect accounts from my credit report. Can you please examine the documents? I've noticed that some of the accounts listed are inaccurate, which is causing me some unease.

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 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Good Day! 

My name is XXXX XXXX ( XXXX ), and I am writing to file a complaint on behalf of Mohela. As instructed, I applied for the PSLF program in XXXX and have yet to be provided with any updated accurate information. I initially joined the XXXX XXXX XXXXXXXX in XXXX of XXXX, and was told that as long as Im working more than 30 hours weekly, and made that if 120 payments, I would qualify for either TPSLF or PSLF. 

On several different occasions, I have reached out to Mohela for updates as additional clarification, and each time it appears to fall on deaf ears. 

Per different CSRs, there system is showing that my employment meets the qualifications, but I have yet to that see information reflected on my account. 

Each time I call, I am on hold for long times, and I walk away from the conversation each time confused and frustrated. 

Whenever I email, all I receive in return in automatic replies with no resolution. 

Just asking for an update and how to turn my XXXX eligible payments into qualifying payments. 

Please help me someone please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation