vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( WELLS FARGO ), in case legal action becomes necessary : Authorized Signature of 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I created this account with the intention of fixing my credit. I have been going through my report for several months and have noticed that this account has not been updated. I have never been late on this account and would like to have this corrected. I don't use the card currently and do not appreciate the negative remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: Solar Mosaic LLC
State: TX

Complaint narrative:
I've received 2 statements from " SO Mosaic '' / " Mosaic '' dated XX/XX/2024 and XX/XX/2024 with a " XXXX XXXX  Balance '' of {$9600.00}, and a " Loan Balance '' of {$6700.00}. I don't have solar panels on my house, never have, and after this, never will. 

Their return address is a XXXX XXXX XXXX in XXXX, AZ, and a payment address in XXXX, AZ When I looked them up online, the address shows them in California. 

I contacted the company, and provided the loan number that was on the statement. I requested information about this loan, but they refused to give me any information unless I provided my SS # and DOB. When I asked for a supervisor, they also refused to transfer me, and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: KS

Complaint narrative:
inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
This is a hard inquiry on my credit report .. clearly it was not me they have me confused with someone similar name or social security number. 
it is reported on my credit as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX we began a process with Robinhood Financial LLC to transfer ~ {$81000.00} from our account to a wire address. Several arbitrary reasons were given why they would not complete the transfer so we agreed to their terms. 

By XX/XX/XXXX we completed all of their requirements and they still delayed sending the wire. Following up via phone and text over the next few days did not result in the wire being sent. We have several screen shots of the text logs where inaccurate and just false information was provided along with the ever present : A. No one knows the status of the wire transfer. 
B. I you can not speak to someone who would know the status of the wire transfer. 
C. No manager is available. 

All week there has been no follow-up from Robinhood and no call from management. Today XX/XX/XXXX after being given false information by another agent ( XXXX ) I was told by an agent ( XXXX ) that the wire was approved and would be sent by XXXX. 

At sometime around XXXX I received a message from Robinhood that my account has been restricted and no withdrawals from my account can be made. I feel this was done to prevent the wire from being executed. That led to several calls to Robinhood for them to verify who I am and again my account is being reviewed for some reason that no one is able to tell me and no timeline on the review process. 

Robinhood is engaging in theft that is being wrapped in an arbitrary and obscure procedures that no one there is able to explain. Their limited and one-way customer service and obscure procedures is a mask that is being used to launder the theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: OR

Complaint narrative:
On XX/XX/2024 I received a call from XXXX XXXX XXXX XXXX XXXX As the executor of my friends estate, I received a letter from XXXX and XXXX stating that there was a {$730.00} debt my friend owed and I needed to pay {$250.00} to settle the debt. I responded that she was deceased and there were no funds to pay this debt. He then said that either I pay it now or it he would contact the court and settle it that way, saying further that as the executor, I would be liable for the full amount. Well. I paid it there and then BUT it felt like something was wrong. I didnt think that could be done yet I paid it because it felt threatening. I have been un say about this for a few days. What happened here? Was I wronged by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 I received a email from I.C. SYSTEM stating that I owed a balance of {$670.00} and that they were trying to collect it as debt. Ive never had a relationship with XXXX XXXX and my consumer report now reflects that I have a delinquent account. According to law 15 U.S.C. 1692g ( a ) ( 3 ), it states, unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt... the debt will be assumed to be valid by the debt collector. I have not responded to either companies and now have delinquent account ( s ) on my credit report as of XX/XX/2024.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No?

Please provide the name and address of the bonding agent for ( Truist Bank ), in case legal action becomes necessary : Authorized Signature of 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I made two payments for two different Capital One accounts using my XXXX account to make the payments. Only one of the payments of {$200.00} was applied to my Walmart/Capital One card. The other {$200.00} payment was rejected because the letter sent to me from Capital One stated that unfortunately my payment in the amount of {$200.00} posted on XX/XX/XXXX was returned by my financial institution because of an invalid account number and that " we have debited your capital one account for this returned payment. I used the same account for both payments and I didn't authorize Capital One to debit my account after sending in a payment. I called and was given the runaround by 3 different CSRs with nothing resolved. One young lady acted like she couldn't barely speak any English and kept me on the phone for almost 2 hours continuously stating that she would file a report. No report was filed and when I called back, the CSR acted like he knew nothing about a previous phone call. To make matters worse in XXXX, I didn't receive a bill/statement for XXXX, so on XX/XX/XXXX I sent in money orders to pay both my accounts. Both money orders were for {$200.00} one for my Capital One Walmart and my Capital One Platinum card. I called on the XX/XX/XXXX because that's my due date. I was told by CSR XXXX that the payment for the Capital One Walmart card was there but there was no payment for the Capital One Platimun card. I stated that i sent them both on the same day and that I wanted to speak to a supervisor. I was then transferred to CSR XXXX  who acted like she didn't know what a money order was and when did I order the money?? I asked to speak to a supervisor and was transferred to XXXX who stated that the other {$200.00} money order had arrived on the XXXX and that it would take 5 day for it to process because it wasn't sent in the courtesy envelope. this behavior is unacceptable and should be addressed. MY plan is to pay off these cards and not deal with Capital one anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was job hunting and I was victim to a money scam with a potential " employer ''. USAA shut down my account due to " fraudulent activities '', as if I was the one commiting the fraud, but I was the victim of said fraud. I gave my evidence to revoke it, but they still shut it down. I tried to get more answers, but they refused to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I made an online purchase from express.com in the amount of {$480.00}. The items were delivered in 3 separate packages with 10 of my items being delivered on XX/XX/23. When I got home from work I didnt see the package on my front or back porch. I knocked on my neighbors door to see if they had grabbed my package no one saw/had the package. Looked up the proof of delivery there was no photo but it said the package was received by XXXX. ( using initials ). No one lives at my residence by that name, furthermore everyone at my address was either at work or school. I filed a missing package complaint with XXXX, tried to get a reshipment/ replacement from Express, waited 30 days for them to locate my package or get approved for a reshipment without success. Finally, I contacted Commenity Bank for assistance. After waiting an additional 90 days the bank says we cant help and we have not approved your dispute. I dispute the resolution again this time submitting all the paperwork from XXXX, receipts, and etc electronically with the same result. It can not be the expectation that the consumer should be responsible for logistical failures and for the bank to also not want to help is very disheartening. Now Im being held responsible for a purchase that I have yet to receive 5mo later!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
when i log into my Equifax report it wont show my score, it wont let me unlock it, it wont let me do anything and i pay a monthly fee for the report, i called and they verified me and they can not unlock it. I get transferred around. This is a glitch every so often that causes me to waste 3 hours.

Company response to consumer: Closed with explanation