vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I was admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX XXXX XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX  as first XXXX  American veteran ), President XXXX XXXX ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President Biden, Senator XXXX, Senator XXXX XXXX and Speaker XXXX plan for canceling XXXX dollars through executive order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX University-McCain XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX as first XXXX  American veteran ), President Joe Biden ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through XXXX order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA XXXX and USDA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting unauthorized hard inquiries without my permission, a collection agency medical Chapter XXXX debt.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting unauthorized hard inquiries without my permission, a collection agency medical Chapter XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
XX/XX/2021, I was unable to log into my account with Alliant credit union. I called and was told I was voted out of the credit union. I was never able to access my funds. I was told I would be reimbursed and almost two months later that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EXPERIAN REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding EXPERIAN Credit. After multiple attempts to contact EXPERIAN with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX  XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
fcra violations not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are also reporting that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are also reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
Email received XX/XX/2021 from XXXX Department of Law & Enforcement Legal Notice : Under 18 USC Section 1956-58 : Lawsuit Id XXXX ( Immediate Action Required ) Indicated that I have been blacklisted and that my social security number and banking accounts are under investigation through major credit bureau XXXX. 

Sending court papers to a very old address at which I no longer live. All of the information about current employer/phone number, etc. is not current. 

I was laid off from that employer at the time the debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I have tried to fix this with the credit companies and with experian, experian has not done an investigation into my issues with inquiries on my credit report that i did not authorize, below are inquiries I did not authorize, if experian can not present evidence that these companies have a wet signature from me or can present evidence it was me who requested these inquiries they must remove them from my credit report due to harm they are causing to me from obtaining a mortgage and personal credit. By law companies must be able to show a wet signature to pull an hard inquirie, I did not request these companies to pull my credit or give them permission, nor can experian prove i gave them permission to pull my credit, these were unauthorized hard pulls of my credit. 
XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My complaint is with Care Credit. On XX/XX/XXXX, I had an outstanding balance of {$5000.00}. {$3100.00} was in " regular interest-accruing purchases '' ( or promotions that have run out and I'm now paying interest on ) and {$680.00}, {$190.00} and {$970.00} are promotional purchases. I investigated where my payments are going and none go to the promotional purchases. I looked up the contract. It specifically states you can decide where your payments are applied. Looking over my history - I see all payment go to the interest earning amounts so none go to the promotional amounts. Therefore, the promotions, for me anyway, have been useless, completely deceptive and have cost me {$100.00} 's if not {$1000.00} 's over the years. I called on XX/XX/XXXX to speak to customer service. First of all, you wait 30-60 minutes to reach someone. Then the person I spoke with could NOT understand, or did not WANT to understand how I wanted my payment to be applied. After much frustration, I asked for a supervisor and he would NOT transfer me. So, I started the process again. Waiting forever on hold then speaking with another man who was VERY understanding. After much discussion, he was going to apply {$140.00} to my {$680.00} promotional purchase, {$25.00} to the {$190.00} promotional purchase and {$170.00} to the {$3100.00} balance He even gave me details stating that I would then owe {$540.00} on the {$680.00} balance and {$170.00} on the {$190.00} balance and {$3000.00} on the {$3100.00} balance. After this payment posted it all went to the {$3100.00} balance. This will mean I never pay of the promotional purchases within their time frame. I called back on XX/XX/XXXX, only to wait again forever, and finally hung up. This is fraudulent behavior and I am willing to fight this to the end. There are a myriad of complaints about this company and nothing has seemingly been done by the XXXX. Care Credit 's website states payments can be applied as desired ( I'm sure it is within some guideline around minimum payments but that is NOT stated, however I paid well above the minimum payment required ). Researching I see that this has always happened with Care Credit on my account. I was very upset for days about this. Their practices are and fraudulent. PLEASE HELP. I WILL NOT SPEND HOURS WITH CUSTOMER SERVICE EACH MONTH TO CALL IN AND EXPLAIN MY DESIRE TO SOMEONE THAT " DOESN'T UNDERSTAND '' OR DOESN'T SPEAK MY LANGUAGE - ONLY TO HAVE THEM COMPLETELY LIE TO ME ONCE I GET SOMEONE THAT SAYS THEY WILL HELP. I will pay this off and never use this card, or any card, associated with Synchrony Bank again.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XXXX of XXXX I became I'll with XXXX. I was laid off in XX/XX/XXXX when XXXX was shutdown. I then went on unemployment and was taking advantage of Stimulus money to pay my car lease with Infiniti Financial Services until XX/XX/XXXX when benefits were cutoff. After losing 40 lbs I needed food to eat and to get new clothing to obtain a job. 

After receiving stimulus money in XX/XX/XXXX I was surprised to find my online account was suspended when I tried to get current with the lease by making a payment online. The message after I logged in said please call. I called Infiniti Financial Services who was offensively rude to me. They would not allow me to get current on my lease and told me to drop off my car at a dealer. There were no options offered. 

They reported me to credit agencies hurting my credit. This poor credit report is affecting my ability to find a new leasing company. I was told my car was going to be repossessed. I want an offer to keep the car and get current on my account. To take away someones vehicle during a pandemic is cruel and unusual punishment to US consumers who want to keep their vehicles. I am now gainfully employed thankfully after the worst year of my life. 

Please help me compel them to make an offer to keep my vehicle. I have been a customer of XXXX and XXXX for 35 years. I've leased a total of 8 separate vehicles from XXXX ( XXXX ). This is not acceptable behavior towards consumers during these difficult times for Americans. I look forward to resolving this issue with Infiniti Financial and thank the CFPB for helping consumers. I received my XXXX XXXX  dose yesterday. The car was critical in receiving medical care for my long hauler conditions and getting XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I buy Biticon with the Gemani from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -NY XXXX TOTAL XXXX $ USD, after 3 days later, Gemini frozen my account and send 24 emails and no answer. After i check online in the XXXX  reviews found 100 more people with the same problem. The Gemini Exchange Company make fraudulent work here in US

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
Recent credit mgmt. posted {$780.00} for 11 XXXX XXXX for {$780.00} for individual account account that is in accurate and violates Federal Truth in billing disclosure act and TTC law. Must be remove immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief