vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature. 
XXXX. In according with XXXX XXXX Validation of debt requires the RMS must give the original contract with copy of the debt with their company name on it. 
XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and XXXX XXXX XXXX XXXX XXXX  ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the XXXX XXXX XXXX XXXX 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit 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 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I used a link to their website from the doctor 's office. The website asked me to prefill my application with my mobile number, last 4 ssn, and zip code. After I clicked continue, they automatically opened an account under my name. Nothing on the website said that this would be the final step in opening up an account and that this would be a hard credit pull. I thought this would be a pre-qualification to see if I could be pre-approved. Nothing on the screen showed me that an account was created. I can't login to their site either but I did get notifications from my credit monitoring that an account was opened under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NJ

Complaint narrative:
A solar panel company named " XXXX XXXX '' works with the loan service company " Solar Mosaic Inc. '' This loan service company is a part of their contracts for all solar panels. I had to sign the load request as a part of the finance plan for solar panels in XX/XX/XXXX and the solar panel installation plan. However, the company XXXX XXXX could not fulfill all requirements for the solar panel installation, and the account became inactive as of XX/XX/XXXX ( one year ago ). However, the loan service company " Solar Mosaic Inc. '' started to request money back in XX/XX/XXXX when no conditions were met in the contract. I called " Solar Mosaic Inc. '', and they said the solar panel company CAN only cancel it. So, I immediately contacted XXXX XXXX and asked for loan cancellation. They promised to do cancellations in 60 days, but nothing has transformed to " Solar Mosaic Inc. '', and this loan service company called to ask for money. We appreciate it if this issue could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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:
See letter attached

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 2024-01-01 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: GA

Complaint narrative:
I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}

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 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Received card never applied for Some current credit card bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: CO

Complaint narrative:
My name is XXXX XXXX. I want to know how XXXX is gon na pay me for locking me out of my unemployment benefits and making me go through XXXX verifying and reverifying numerous times my identity over XXXX XXXX. I was homeless and it was cold and they wouldn't help. I went to the bank no help they didn't handle that, they said. I called unemployment and they told me a lot of people were having this problem. I read an article that week about what they were doing to people, took article advice and filed a complaint. My address and email have changed and I refuse to use US Bank because they are thieves. I have my same bank but the unemployment went to the US bank card which I got rid of when my benefits ended. I feel they should have to pay me. They made XXXX cold, lonely, homeless and broke quite miserable. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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:
EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXXXXXX XXXX CREDIT CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: FL

Complaint narrative:
To Supervisor of Department, According to The Gramm-Leach-Bliley Act it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a dispute to all 3 major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.

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 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a business account for my business and noticed that it lists my name instead of my business. When I called to have this fixed they told me I have to go in person, there is no bank working XXXX miles of me. They told me they would look into it transferred me multiple times then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three TransUnion, XXXX, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.

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 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Have repeatedly contacted this billing company to get them to bill medicare as the secondary insurer, not primary. Was told it was a surprise bill by XXXX and we did not need to pay any of it. It was a coordination of benefits XXXX  between XXXX and medicare as they billed medicare as primary and both refused to pay. I fixed the medicare end and they rebilled XXXX and collected over {$130.00} contracted part of the bill. I keep calling their billing office and telling them to bill medicare. They do not know what they are doing and have sent me 6 bills already. I could have ignored it as a surprise bill, but I worked to get them paid. I paid premiums to Medicare Part B and husband 's XXXX for over {$1000.00} per month. They need to bill Medicare. NOW THEY HAVE PUT ME INTO COLLECTIONS with Quality Asset Recovery LLC.

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 2024-01-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC
State: TN

Complaint narrative:
To whom it may concern, My grandmother passed away in XXXX 2023 leaving a reverse mortgage. The reverse mortgage company was very difficult to work with however we finally managed to pay the loan back. They gave us a payoff amount of {$170000.00}. We secured the a new loan and wired funds to the company on XX/XX/. The reverse mortgage company received the total amount requested and released the lien on the property. On XX/XX/ we received a check stating that we overpaid by {$830.00}. The check was made out to the wrong person and the mortgage company is refusing to reissue the check with the proper name of the person. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Synergetic Communication Inc
State: MD

Complaint narrative:
There is a debt in collection in my credit report that does not seem to be verified by the collection agency reporting it they also provided me with a fake number that does not go to the collections agency i am so scared that I have been a victim of a scam please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
WILLIAMS AND FUDGE Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: MD

Complaint narrative:
TRANS UNION IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXX XXXX CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.

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 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
I obtained a payday loan in the amount of {$1700.00} on XX/XX/2023 for a down payment on a used car. 

The APR cost of the credit as a yearly rate is $ 325.001 % ; Finance Charge is {$3900.00} Amount Financed is {$1700.00} Total of Payments is {$5600.00} Monthly Payment is {$470.00} They debited my account XXXX XXXX XXXXXXXX and their reason was I authorized the payment to be paid early if the payment date falls on the XXXX of the month and is a holiday, which I did not agree to. I can barely pay the regular payment once a month and would not agree to XXXX payments in the same month totaling {$940.00}. I managed to contact my financial institution and put a stop on the payment they tried to deduct on XX/XX/XXXX. 

I logged onto the Lendumo website today and see a message in red stating they do not lend in the state of Maryland. There was no reason why? I was then confused as to why they approved me for a loan. 

I then started researching if they were legally allowed to do payday loans in Maryland and see that Maryland prohibits any type of payday loans. 

Thank you for your time and consideration, regarding this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See attachments. A charge off account is reporting to my 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 2024-01-01 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: VA

Complaint narrative:
See attachments. A charge off account is reporting to my 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 2024-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I placed 2 trades on robin hood, the next day placed another, and continued to watch, 2-3 days went by and I noticed a yellow message that said my account was placed under restriction. I still had access of selling my trades but couldn't place any in the future and still had no reason of why this happened. I waited a couple days as the yellow message said something along the lines of saying my account access will be revised by the XXXX. I continued to wait until the XXXX, logged onto robin hood and my account still had the message and couldn't do anything. At this point after waiting and sitting around I tried to follow through and take action. I submitted documents that robin hood asked for being an actual proof of id and a selfie id. This was extremely annoying as I was told multiple times my id was incorrect but finally it went through. This all took place on the XXXX of XXXX. I now waited after submitting my documents and the yellow restriction message didn't disappear it changed to revising your documents. Waited a day or so and it told me I need to take action again and submit a selfie id and government id. So I called customer service, first being put on the line with someone that was difficult to understand, but clear enough. I explained my situation and she was unable to give me any information of that. I blatantly asked why my account was restricted and she responded with I can't tell you that XXXX XXXX. She walked me through the steps of submitting the documents again. To shorten this we did this about 3 times and then it led to her saying she will submit these to her support team and I will hear back and hung up the phone quickly. I waited a couple days and nothing happened again, so I set up another customer service call, going through the same steps same questions and same answers. I asked for reason, someone with more power and all they said was we can't do anything. Both of these phone calls lasted up to about 30 minutes as I continously tried to understand what was happening, but I got absolutely nothing. I have about {$500.00} locked into an account of no reason why or what Is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: FL

Complaint narrative:
I dont know which company name plaza Services and XXXX XXXX XXXX This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!

Company response to consumer: Closed with explanation