vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
DELL Computers issued me a credit memo of {$99.00} for services they originally charged meme for in XX/XX/2023. The initial charge was placed on my DELL Credit Card which is managed by Comenity Capital Bank. Comenity Bank has been harassing me for over 4 months for payments. Also, Comenity Bank has been reporting derogatory credit information to the Credit Bureaus which has now cause my score to drop significantly whereas I can not get a loan. DELL Computers has sent the credit memo through their system 2 times to Comenity. The second time I had DELL Computers copy me on the credit memo. I called Comenity and gave them all of the information on the credit memo several times. I could Not get any Comenity Bank supervisors or managers in several departments to take action to resolve this matter. I disputed this matter with XXXX, but they said it was not their responsibility to validate data coming from the reporting Institutions they deal with. 
This leaves me no choice but to come to the CFPB for HELP and to seek legal action against Comenity Capital Bank. I need this matter resolved quickly for I can not move forward with my financial plans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
A loan was taken out in my name. I did not initiate nor apply for loan. Please see letter I sent to Mosaic Loan Co. 
______________________________________________________________________ Sometime in the XXXX of XXXX, a Solar representative named XXXX XXXX, called me to see if I would be interested in placing solar panels on the roof of my home. We set an appt to go over the possibility. 

However, I was unable to attend that meeting because I had a business work trip to attend. 

Months later I started receiving a bill from a company called Mosaic. When I called Mosaic on XX/XX/XXXX, I spoke to XXXX XXXX out of the XXXX XXXX. She informed me that the loan was initiated by representative XXXX XXXX in order for me to receive solar panel installation from XXXX XXXX. 

I informed Mosaic that I did not take out a loan, nor did I receive any solar panels on my home. XXXX XXXX informed me that I would have to contact XXXX XXXX to have the loan closed out. Please see attached email from XXXX XXXX in XX/XX/XXXX. 

I was informed by XXXX XXXX, that they would Close Out my solar panel order and inform Mosaic to close the loan. ( Please see attached email from XXXX XXXX in XX/XX/XXXX. ) As of today, I am still receiving bills from Mosaic on a loan I did not apply for, sign for, nor request, for work that I did not ask for, receive, nor want. 

Please close this FRAUDULENT loan that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 Too. I checked my credit report on XX/XX/2024 and found that the information on an account XXXX XXXX was put back on the report again and this account has a cancellation of debt meaning there is a XXXX balance. This account keeps changing for no reason you are in violation the FCRA laws and the FDCPA laws. I have already informed the attorney general the XXXX  and my lawyer of this disregard to my rights and breaking the laws of the FCRA.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I had a dispute with merchant simply thai for {$5.00} as the merchant gave me the wrong order as I was driving back to XXXX from XXXX XXXX  and this merchant was on my in XXXX. When I got home I found they gave the wrong soup than what i had ordered so i called the merchant and they refused to refund me. I answered all the questions thrice to the jetblue disputes team and then dispute was closed in the merchant 's favor which I dont agree at all. I need my money back as the merchant was at fault.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MO

Complaint narrative:
I did stay in the XXXX XXXX apartments as a weekly tenant. I did not sign an agreement to be a tenant on a yearly basis and I left long before things change for me to be held accountable. The information the sent shows that someone was paying weekly in XXXX of 2021, well I was already living in the state of Missouri since XXXX of 2021. The debt does not belong to me, Ive tried numerous times to explain this but they are not being reasonable and want to force me into paying for an obligation I did not agree to. Ive been having trouble getting housing because of this, I searched for lawyers to pursue legal action but was told I was outside of the time frame to do so, I just want this removed.

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 2024-04-12 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: CA

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
These inquiries are not mine, and I have no any connections to any of the creditors listed. They must be instantly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CA

Complaint narrative:
My servicer is EdFinancial. On XX/XX/XXXX I paid off one of my students loans in the amount of {$29000.00}. In XXXX of XXXX I requested a refund of that payment as, at that time, this was allowed. I was told that once I did this the loan would be reinstated and I would receive a refund check from the government. In XX/XX/XXXX the loan principal was reinstated and began to accrue interest, although it did not go into repayment. 

Since that time I have not received a refund check for the payment I made on XX/XX/XXXX. Each time I call EdFinancial they tell me to call the XXXX XXXX XXXX XXXX. Every time I call them they tell me I need to talk with EdFinancial. At this point I am very frustrated that no one can provide me with information. I will be applying for PSLF over the summer and I need to get this settled one way or another. The two resolutions I see are : ( 1 ) The government sends me the refund check I requested initially for {$29000.00} and then the loan goes into repayment. I can then fold it into my PSLF for it to be forgiven. *OR* ( 2 ) The government/EdFinancial " undoes '' my request for the refund, forgives any interest that has accrued since XX/XX/XXXX, and puts the loan back into " Paid In Full '' status. 

I am really asking for some help here. At this point no one can seem to give me information one way or they other, both groups point the finger at each other, and I really need to get this settled as soon as possible prior to PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OK

Complaint narrative:
Zions Debt Holdings is attempting to collect a debt from a company called XXXX XXXX. I called the collection agency at XXXX. All selections end in a disconnect. I have tried to contact via their online form five times and received no response. Their website is XXXX 

I decided to try to contact XXXX XXXX directly to see if they have history or knowledge of this debt. I found their website XXXX and called the number on their front page - XXXX. I clicked to speak to someone in billing. The individual wanted my personal information, which I provided. They said they couldnt find my account. But then said let me escalate. They later came back and asked me to email them a copy of my proof of residency and a copy of my drivers license. At this point I asked why and was told so she could escalate. I told her there was nothing to escalate if they didnt have the bill. She then stumbled, but was consistent she needed that info. I told her I believe it was fraudulent and I believed they were part of the scam. And I ended the call. She called me back and told me she wanted to transfer me to a supervisor. And theyve now called me three more times. 

I feel strongly XXXX XXXX is a shell company creating false accounts and fake debt. I believe they also work with their debt collection company. And I believe it is all a giant scam to steal the identity of hard working Americans. Please look into this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: WA

Complaint narrative:
These inquiries are not mine, and I have no any connections to any of the creditors listed. They must be instantly 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 non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/2022, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

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 2024-04-12 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: FL

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX FOR {$2800.00} OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE XXXX XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX FOR {$2800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX  XXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence.

to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/, 2024, from XXXX XXXX  to XXXX XXXX  ET, my husband and I went to the Chase ATM at XXXX XXXX in New York to deposit a total of {$2500.00} USD into our joint savings account. After inserting the money, we confirmed the amount is showing correctly on the ATM screen and opted to receive an email receipt before leaving the bank. Upon arriving home, we noticed that both the email receipt and our bank account reflected an incorrect amount showing only {$1500.00}, with {$1000.00} missing. We promptly contacted Chase Bank on the morning of Monday, XX/XX/ 2024, to report the discrepancy, and again on XX/XX/2024, but both attempts were declined. Chase 's Claims Department mentions they check and found no technical issue around the time when we arrived the ATM and also did not find extra {$1000.00}! We requested a recording of the ATM screen, but the support mentioned she did not guarantee a recording is available and that it's only shared with authorities. 

Given the circumstances and the significant financial discrepancy, we kindly request the CFPB 's expertise in resolving this matter. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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:
i received a letter from XXXX regarding Student Loan repayment for {$150.00} monthly. The total student loan is showing that i owe {$22000.00}. The last time i was in school was 2010 and I dropped out in the middle of the semester. I spoke with 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 2024-04-12 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:
XXXX XXXXXXXX XXXX said they had no knowledge of an account in my name that was delinquent. I asked him to please let the Credit bills know and they said that thats not their responsibility to do that. I spoke to the credit card companies and they still havent rectified the situation the address of the company XXXX XXXX XXXX, XXXX XXXX XXXX, UT, ZIP Code is XXXX. Please remove the following account from all credit barrels. Thank you.

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