vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a document from XXXX  stating financial agencies that my name and social were involved with. I have no clue about this agencies. I am aware that I am a victim of identity theft. and I have no idea how to go about fixing this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc.
State: NY

Complaint narrative:
I initially placed my Tesla Energy order for solar to be installed at my home on XX/XX/XXXX. XXXX 's vendor XXXX XXXX approved my loan application on XX/XX/XXXX, to fund the project. Tesla installed the solar equipment, and all inspections were completed by XX/XX/XXXX. 

After installation, I expected to start repaying the loan I'd secured. After several months of contacting Tesla and XXXX XXXX, I provided a copy of the deed recorded with the county clerk, a piece of supporting documentation required for my loan that I'd provided XXXX XXXX  on numerous occasions. The last time I interacted with XXXX XXXXXXXX was on XX/XX/XXXX. 

Both Tesla and XXXX XXXX  were uncommunicative with me until XX/XX/XXXX, when a member of Tesla 's Energy Escalation and Resolution Team reached out to me. Tesla informed me that my loan with Sunlight Finacial wasn't funded " due to unforeseen circumstances. '' As an alternative, I was offered an internal loan product by Tesla that would save me money. The loan application process was completed by XX/XX/XXXX, due to unreliable and unclear communication on Tesla 's part. 

After securing the second loan, the first bill was incorrect by {$3200.00}, and the payment amount did not match any statement that I'd received from Tesla. Thankfully my bank was able to reverse the charge and limit the damage this could've caused. This incorrect billing amount has been debited from my bank account twice, and Tesla is still looking into resolving the issue.

Tesla has not been able to provide me with a timeline on when my account will b
e corrected and when I can resume regular monthly payments. Tesla also has been unable to confirm whether they've removed the autopay authorization from my account to prevent further erroneous charges hitting my bank account. This ordeal has been a protracted 16-month disaster.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a letter in the mail from Transworld Systems Inc. in regards to an alleged obligation. I am sending notice delivered in accordance with the Fair Debt Collection Practices Act. 15 USC 1692g, noting that reference/account # : XXXX claim is contested and validation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I disputed these inquires over 1 month ago. I did not authorize the following transactions *XXXX  inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I noticed that they remained on my report after the issue was disputed. 
the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates. 

ALSO, THEY HAVE A Account number XXXX WITH NO ORIGINAL CREDITOR NAME, NUMBER OR ADDRESS LISTED. THIS WAS PREVIOUSLY REMOVED FROM MY XXXX ACCOUNT AND I WANT THIS ERRONEOUS UNVERIFIED ACCOUNT REMOVED FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My name is XXXX XXXX my complaint is with XXXXBarclay noticed that my most recent credit report contains a late payment reported in the month of XX/XX/2021 for my XXXX credit card account number XXXX XXXX XXXX XXXX. I mistakenly missed a payment with autopay and fail to make at least the minimum payment due of {$29.00} XXXX forgot to check I have been a loyal customer for over years with XXXX and credit cardholder with Barclay for more than 10 years with excellent payment history. I called XXXX to explain the situation they told me to write a letter to XXXX XXXX XXXX XXXX XXXX, DE XXXX. I never received a response back and the late charge is still being reported with the 3 major credit bureaus.

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 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXX 

XXXX XXXX  XXXX XXXX credit systems XXXX Fig loans Ad 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 2022-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Lost a job, was on forbearance now it's over need help with mortgage until able to get another job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Dear Sir or Madame, Documentation was immediately sent to Capital One and merchant that {$2000.00} XXXX XXXX, 2022 purchase was made by mistake. 

Merchant will not communicate about resolving dispute. 

Capital One just sends me form letters ignoring the mistake and merchant 's refusal to communicate, with no apparent interest in protecting consumer rights. 

Capital One 's dispute personnel in the XXXX refuse to allow discussion with personnel with authority to fairly resolve the dispute, or acknowledge the facts. 

The Capital One dispute resolution process appears to be illusory. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-24 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: CA

Complaint narrative:
On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : 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 2022-03-24 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: IN

Complaint narrative:
in accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX  XXXX  XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX. This is re-aging my account and is illegal. 

XXXX XXXX XXXX delete this account for inaccuracy because payment history show on XX/XX/XXXX : XXXX On XXXX XXXX Charge Off XXXX On Time Set Financial XXXX delete this account because it is a Charge off but reporting a monthly payment. This is inaccurate. 

CB Indigo XXXX delete this account for inaccuracy because the payment history show XX/XX/XXXX : XXXX XXXX XXXX Charged Off XXXX On-Time XXXX  XXXX  XXXX delete account for inaccuracy because date of last activity is different on reports : XXXX XXXX XXXX XXXX. This is Re-aging my account and can not be on the report. 

Nation Credit Adjust XXXX Delete for payment inaccuracy because payment history show : XX/XX/XXXX XXXX XXXX XXXX Charged Off XXXX On Time. 

XXXX  XXXX  XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX  On XXXX XXXX  Charge Off XXXX On XXXX XXXX XXXX XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX On XXXX XXXX Charge Off XXXX On XXXX XXXX XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX This is re-aging my account and is illegal. 

XXXX  XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX  has XXXX XXXX  has XXXX. This is re-aging my account and is illegal. 

Also 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
My identity was stolen and I've attempted to contact 1st Franklin Financial about the problem and they've attempted to send me a validation but never sent me the agreement I requested. I attached a letter of my conditional acceptance that they completely disregarded.

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 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I have been trying to get a payoff balance to pay the balance on loan XXXX with Planet Home Lending , LLC off of XXXX, Florida since XX/XX/XXXX. Original request was dated XXXX XXXX and amended 4 times at Planet Home Lending 's request. The last amendment was on XXXX XXXX. I literally wrote : " To whom it may concern : I am requesting the payoff balance of loan # XXXX linked to the property located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. There is a buyer interested and we need this payoff balance to finalize the transaction as soon as posible to take advantage of a tax amnesty in XXXX XXXX. 
The payoff balance can be sent to XXXX. 
Thanks. 
Signed by XXXX XXXX XXXX, whose name is erroneously written as XXXX XXXX XXXX in bank documents but not in the documents evidencing title, such as the Mortgage Deed nor in the XXXX XXXX XXXX XXXX, and whose signature is the same today as it was in the Note dated XXXX and as it appears in my driver 's license sent to you earlier. '' I am being harmed and I am suffering damages by the institution 's unreasonable refusal to give me a payoff balance to pay alleging I am not the person they are trying to collect the debt from even though I have established my identity and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America sent me an unsolicited preselected credit card offer via mail in early XXXX ( attached ), despite completing a permanent opt-out election in XXXX. I believe this is a violation of the Fair Credit Reporting Act. 
I have never had any relationship with Bank of America. 
In XX/XX/XXXX ( see attached ), I submitted an opt-out request via optoutprescreen.com and returned my signed election form via mail to make it permanent.

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 2022-03-24 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'd like to file a formal complaint against Chase. I booked travel through the rewards center. XXXX XXXX canceled one of my flights home in XX/XX/XXXX and did not rebook me. As such, I would have been stranded in XXXX. 
Therefore, I contacted Chase XXXX XXXX  to cancel the whole trip and get a refund. I was assured that they would work with XXXX XXXX to get my refund of {$1600.00}. I even have an email on XX/XX/XXXX stating they were still working on the refund. I checked my account today and see an airline credit. This is unacceptable since they were the ones that cancelled my flight and I will literally never use their airline again. 
Why would Chase accept this on my behalf? Also, this is not what was agreed upon with Chase. Why advertise a helpful travel support center when they are completely useless? They transfer you a million times so you can re-explain your story and exhaust yourself. Then they put you on hold and never give a resolution. 
Here 's what I want : a refund for my trip that I had to cancel due to the airline 's negligence. That's all. Chase keeps telling me their hands are tied, but I've been waiting on a refund since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Opened XXXX children saving accounts at same time when it was suntrust no problems when it became truist and I try to access the 5 accounts on line can't see 2 of them called truist 4 times and everything I have to wait an hour to talk to some one and when some one comes on they tell me 2 of the accounts are restricted but no one can tell me why or who done this. Even been to 2 different branches and get told restricted but don't know who or why and can unrestrict them. Only way I can get balance is driving or calling branch. If accounts get hacked won't know until I go to bank or call them. This problem has been going on for a month.

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 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, when I checked my credit report, I found that my SSN was stolen on the dark web on XX/XX/2022. The data user registered on it was my name, but the telephone, driver 's license and location were not my information. The registration number is XXXX, the last four digits of the driver 's license are XXXX, and the location is ca XXXX. So, I think my ssn was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  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 non-monetary relief