vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: NV

Complaint narrative:
On XX/XX/2021, I received information about the company. On XX/XX/2021, I activated an account on the company 's website. On XX/XX/2021, the account had been cancelled. On XX/XX/2021, I received and email that the solar panels were going to be installed without signing any kind of contract. On XX/XX/2021, they discounted {$160.00} from the bank account. On XX/XX/2021, we received a congratulatory email for being a part of the company even though the account was never activated, and I never signed a contract or saw XXXX. Since I cancelled the payment because I never signed anything and we never talked about the payment method. They sent me to collection with a bill of {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been advised by IRS that identity theft had occurred using my social and personal information. 
I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 
Please remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as well as all inquiries listed

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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Affidavit of Truth Pursuant to 15 USC 1692d- You can not engage in any conduct to harass, oppress, threat, to harm my reputation, or property. Telephone to ring or engaging any portion in telephone conversation reportedly to annoy you. 
You continentally called my phone and trafficked my information without my knowledge and invaded my personal property to repo my car. Which is a form of identity theft, wheres my equal consideration? 
Pursuant to 18 USC 8- Obligation or other security of united states defined all debt public and private belongs to the USA .

Your phone calls is seen as a threat to me and caused me grief and the feeling of being violated at my own home leading me to a XXXX. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Law clearly states its a XXXX dollars per violation Under law each excessive phone call is a violation of a XXXX. 
I request I receive my car back under conditional acceptance with title Under the Gramm Leach-Bliley Act, a financial institution must provide its consumers with a notice of its privacy policies and practices, and must not disclose non-public personal information about a consumer to non-affiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosures. The act as well requires the commission to establish for financial institutions appropriate standards to protect consumers information Thank You, XXXX XXXX Without Recourse

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 2023-04-10 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: CA

Complaint narrative:
15 U.S. Code 1681e ( b ) - 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. 

Equifax fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be charge-off for the month of XXXX, if I was on time XXXX, XXXX, XXXX, and XXXX. As well Equifax are reporting 3 Charge off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is entirely inaccurate. This account was paid in full on XX/XX/XXXX. Once an account is charged-off it shouldn't be reporting any more on time payment which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and Equifax are reporting a medical debt on my credit report from XXXXXXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, Equifax or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian and XXXX are reporting a medical debt on my credit report from XXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither Experian, XXXX or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/ I went to my local Bank of America Financial Center to have my new legal name reflected on my checking account, debit card, and credit card. 

On XXXX I received my new credit card with my legal last name. 

On XX/XX/ I received my new debit card in the mail but the name on it was my maiden name, not my new last name. I emailed the representative and he immediately called me to make another appointment. I then met my representative on XXXX to fix this error. 

On XXXX  I received a second credit card instead of the debit card. I immediately emailed the representative I've been in contact with, but I haven't had a response yet. 

It's been two weeks since I this started & I'm still struggling to have my name fully changed.

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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So there have been almost {$13000.00} dollars that have been taken from me for the past 3 year from these 3 banks. 
1. CHASE 2. XXXX XXXX 3. XXXX XXXX  XXXX THERE WAS A FEW TRANSACTIONS THAT I KNOW I HAVEN'T MADE OF {$72.00} AND {$62.00} DOLLARS EVERY MONTH FOR THE PASS 3 YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: IL

Complaint narrative:
I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX  this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX XXXX  on XXXX and XXXX XXXX  on XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  on XXXX and XXXX  XXXX credit co on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .am a vitem of identity theft please delete these inquiries immediately

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 2023-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX XXXX  on XXXX and XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX, XXXX on XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX .am a vitem of identity theft please delete these inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i try to purchase a home and i have some negative item wanted to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i try to purchase a home and i have some negative item wanted to remove

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 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 non-monetary relief
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 explanation
Consumer complaint received 2023-04-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have XXXX, no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
A credit card was opened in my name for Best Buy at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

Two charges were made, once on XX/XX/2023 for {$1300.00} and again on XX/XX/2023 for {$1200.00}. A credit limit of {$4000.00} was opened and a total purchase of {$2600.00} was made in my name. I have never inquired or tried to open an account with this company. I contacted the company with no resolution in site. Either redirected my calls or was unable to properly communicate with 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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
ROBBED OF ALL INVESTMENT PROFITS ON CASHAPP ... SEE ATTACHED I HAVE XXXX PAGES OF STATEMENTS XXXX-NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i try to purchase a home and i have some negative item wanted to remove

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 2023-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have zero, no late payments.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Settlement agreement established with a lawyer debt service in the form of a payment plan. Documents sent as per their ( Bank of America 's ) instructions, through normal legal proceedings and accepted. Months later they are proceeding to harass me and my lawyer, and threatening a judgement, despite that the payment agreement was signed, accepted, and they are receiving the payments on time through the legal counsel. Now they are demanding that the original documents be sent to them immediately. They did not provide this in the initial instructions, they are not cooperating with me or my legal team. Original documents are not required in normal legal proceedings, especially those done now over the internet with things like docusign, etc. Why is this just now an issue months later? I requested a postage paid self addressed envelope from the lawyers Bank of America hired ( XXXX XXXX XXXXXXXX ), they responded " if you do not send it in then we will just seek a judgement ''. This would be an illegal action, and breach of contract/agreement signed, as they already accepted the copy and are receiving payments. I would like to resolve this and stop this harassment. This whole process has been going on for about 9 months, and it has been very unpleasant and I have felt harassed this whole time. I have a legal team handling my debt, and they have not been able to work with the other lawyers with Bank of America in a friendly manner. They acknowledged that I was in a debt plan, but refused to work with my laywers, forcing me into a agreement, that is not a settlement, with the only other option being a judgement, which was what the debt program was supposed to help avoid, as I am trying to fix this, but getting resistance, bullying, and harassment.

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 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My mortgage company, FREEDOM MORTGAGE, is refusing to drop PMI insurance costs from my monthly mortgage payment, even though my equity is almost 30 % of my outstanding loan. According to their appraisal. Please help me, because I pay {$250.00} per month for PMI. it is a considerable cost to me. 
Thank you for your help. The remaining loan as of XX/XX/2023 is {$320000.00} and my property was appraised for {$420000.00}

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 2023-04-10 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
The original lender Regional Acceptance is reporting the account three late or missed payments as of today which is incorrect. The payment is due the XXXX of each month. The credit report shows my payment on time XX/XX/. The remaining two late payments would be XX/XX/XXXX  and XX/XX/. The next payment to reflect three late or missing payments is not yet due until XX/XX/. This is not accurate credit reporting and does the greatest amount of damage to my credit report and credit rating.

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