vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/2022, and XX/XX/2022, for dates opened. I need this account deleted from my credit report expeditiously. 

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 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
On or about XX/XX/year>, I attempted to use Cash App to send funds to someone. The transaction was declined although there was enough money already on my cash app to make this transaction. I then attempted to close my cash app out and try again and received the same message of the transaction being declined. At this time I attempted to withdraw my funds and received the same message that it was declined. I reached out to Cash App support and they advised they could not provide any information that it was escalated to their specialty team and I should wait for an email within 7 days. I waited until XX/XX/year> and reached out again and was told them same thing. So I waited XX/XX/year> and reached out again and the support team member told me that he had no update and was disconnecting the Chat. I reached out the via phone the next day and requested a manager and was told that one would contact me back. I waited patiently and 3 days later I received an email from a " no reply '' email that stated " your issue has been escalated, and you will receive an update as soon as possible '' - management team. I waited until XX/XX/year> and reached back out and received the same response that they couldn't provide an update. I then received an email on XX/XX/year>, that stated that " referring to your recent complaint, we want to inform you that it will tkae longer than the original time frame of XXXX business days to resolve. You can expect to receive our response within XXXX business day from today. '' Although it had already been much longer than 15 days. I reached back out again on XX/XX/year> and received the same answer that the " Specialty Team '' has not provided an update. I have requested that they release my money to me and just close the account and I was told they couldn't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
Recently I looked at my credit report, and I noticed some incorrect inaccuracies with one of my accounts. This account is reporting as paid, collection/chargeoff, and unpaid balance. That's completely false. This account was paid off in full.This incorrect information is severely hurting my credit score, and my ability to obtain new credit.

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 2024-05-21 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: CO

Complaint narrative:
I have attempted multiple times to resolve the reporting issues with this CRA, to no avail. I have attached a detailed description of the issues and violations of FCRA, METRO2 & CFR. I demand an investigation and resolution.

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 2024-05-21 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: IA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-21 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:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
Recently I looked at my credit report, and I noticed some inaccuracies on one of my accounts. This account was paid off in full without a late payment. This account is reporting as a charge off/collection. That is completely false. This false information is hurting my credit score, and my ability to obtain credit. I need this account updated to paid without being chargeoff/collection or deleted from my credit report. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
These accounts are Inacourate and I`m seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that. I received to 15 USC 1681n & 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
These accounts are Inacourate and I`m seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that. I received to 15 USC 1681n & 15 USC 1692k.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day 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 non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Dist. Court, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have not heard back on two addresses

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, I wired {$160000.00} from my Attorney Client XXXX XXXX business account at XXXX XXXX  to my business account at BMO. On XX/XX/2024, I personally went to the BMO branch where my business account was opened, and I asked them to wire the funds to XXXX XXXX. I was not told that BMO did not allow their customers to wire to XXXX XXXX. XXXX XXXX  sells cryptocurrency. It is a bank in West Virginia. Its products are not limited to cryptocurrency. I was wiring the funds to a cash account - not a cryptocurrency account. In any event, the outgoing wire was cancelled, and my account was " flagged for fraud. '' My BMO business account has been frozen since then. The XXXX XXXX XXXX account money is at BMO, but BMO will not allow me to access it. They will not allow me to close my account. They will not send the trust funds back to XXXX. They have stated they have up to 90 days to conduct a " fraud investigation '' and that there is nothing I can do to access my funds. There was no fraud involved whatsoever. They will not allow me to speak with their fraud investigator. They will not allow me to speak to the " analyst '' handling the file. I need your assistance in getting BMO to unfreeze my account, allow me to access the funds, and then close all of my accounts at BMO.

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I paid in full Midland credit XXXX account garnishment on XX/XX/XXXX and they continue to garnish my wages. I have called and spoken with numerous people and I have been told an email has been sent requesting a stop of garnishment. I have also been told by the XXXX XXXX TN XXXX clerk that no release has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
The information in these accounts is imprecise and, consequently, I insist on their prompt deletion. Furthermore, in accordance with Sections 15 USC 1681n and 15 USC XXXX, I request {$1000.00} compensation per inquiry violation, for the damages they have caused me.

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 2024-05-21 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day 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 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is a case of elder financial exploitation. On XX/XX/XXXX, a loan was opened in the amount of {$13000.00} for a XXXX XXXX XXXX vehicle with a XXXX XXXX XXXX value of under {$5000.00}. It is in non-excellent condition, so the value of this car is likely closer to $ XXXX or $ XXXX. The victim is XXXX XXXX XXXX and was unaware of how much the loan amount was, and dutifully paid the monthly installments on time and in full, without understanding the terms of the contract. This loan should never have been authorized. How does it make sense to allow a customer to borrow over $ XXXX for a vehicle that's hardly 25 % of the value? To pay down the loan in full by XX/XX/XXXX, it would cost the victim a total of {$27000.00} for a < $ XXXX car. This is clear predatory lending to a vulnerable customer.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian has 24 names on my credit file that are NOT MINE!!!

I have called, mailed Affidavids andtried online to get these names removed!!! 

They have NOT ADDRESSED THIS ISSUE!!!

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Last year my auto pay randomly shut off, I got it figured out via online through PNC It happened again after that and affected my credit..went to branch and they fixed the auto pay for the second time but said they couldnt fix that it put a ding on my credit ( which I know is not true ) auto pay shut off again affected credit for third time a couple months later went back to branch they assure me it wouldnt happen again. It happened for the fourth time now, affecting my credit each time. I refuse to pay them the late fees and want it off my credit score and they took it upon themselves to withdraw the fees and payments owed from my savings account without any approval. Ive been with PNC bank for 14 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
After examining my credit report, I observed inaccuracies in the listed 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have a parent plus student loan through AidVantage. I've made my payments on time according to the schedule - at least the minimum amount due. My balance has increased and nothing is being paid towards my principal since XX/XX/year>. 

My account was put on administrative forbearance XXXX through XXXX, not of my request. I am told that during that time I accrued over $ XXXX in interest and I must first pay that back, plus current interest, before any money will be applied to by principal balance. 

AidVantage says they can do this according to their promissory note. 

I called and the representative told me I would see an interest adjustment ( XXXX ) but when i talked to someone today they say the interest is correct and they will not adjust my account. 

I did not ask for a pause in payments and understood that administrative forbearance accrued no interest. AidVantage said I was in a ICR/IDR pause, but that makes no sense to me.

Company response to consumer: Closed with explanation