vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I am a victim of identity theft. Someone used my identity information to open an account with XXXX XXXXFirst National Bank of Omaha ( FNBO ). 

On XX/XX/2023 I received a voice message from FNBO that there were suspected fraudulent charges on my XXXX XXXX XXXX XXXX. I did not apply for or receive a XXXX XXXXXXXX XXXX XXXX. Shortly after I started receiving letters in the mail from FNBO about fraudulent charges, and received statement of charges owed. I've been corresponding with their fraud department via certified mail for the past few years and all that has been provided by FNBO is a form letter stating that they are not required to investigate the dispute. This, despite sending them copies of my driver 's license, filed police report and identity theft report filed with the Federal Trade Commission. 

Other credit cards were opened by others falsely using my information around the same time, but I have been successful in resolving these disputes. I need help getting FNBO to investigate the dispute further and provide the requested information.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from XXXX. I have attempted to remedy this issue with Truist, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to Truist for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, Truist continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
I have recently reviewed a copy of my credit report. currently someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Ive requested multiple refunds for scam or fraudulent services that ultimately led to the transaction being null and void as well. Ive requested multiple refunds and have not gotten the protection I need from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello, Re : Complaint Against PayPal- to use my account I have made an official complaint to PayPal and contacted them XXXX times with no avail ( XXXX times over text and XXXX time over the phone ). 

Since I went to XXXX for a work trip ( XXXX  days end of XX/XX/XXXX ) my PayPal account has been blocked/under review because I opened my PayPal app once in XXXX. It's negatively affected my business not having customers be able to pay me on PayPal the last XXXX  months which is unacceptable. 

Every time I contact PayPal over text it's AI useless responding, then many hours later transferred to a person texting " just wait we are reviewing ''. Every time I would ask them for a timeframe and sometimes I get XXXX business days my account will be activated and it has been just lies. On XX/XX/XXXX, I called PayPal on the phone and it was an AI responding not letting me talk to a person saying it will start a text with the AI for me and then hanging up on me.

No customer should have to go through this when they have done nothing wrong and just want to simply use their PayPal account. Please help. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, TransUnion and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and the balance is incorrect as well. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. I have no valid contract with this company that placed this on my credit files. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called Ultas commenity bank service on early XXXX of 2023. I called because I was a day late on my payment and did not want them to flag my account or my credit score. I had already paid the account completely by then. Customer representative was in polite and only told me that it will not be flagged as a delinquent account. I asked them why would it be flagged as a delinquent account when the account is paid in hole? He replied there is nothing we can do so I told him to please close my account and I dont want any more services or credit behind this company. Within a week My account was closed. Then starting this year, not only they reopen my account under nobodys contract, consents or negotiations, and charged me some fees they keep piling up till this day. It has also hurt my credit score. Please close this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible please see 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 non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Solar Mosaic failed to do their due diligence to verify that the solar contractor finished the work prior to issuing them the funds for my solar project completion. When the XXXXontractor became unresponsive, I notified Solar Mosaic and they contracted XXXX to assist me with completing the project. However, months have passed without any progress. I have called Mosaic several times to request a pause on the loan or to be issued credit for what I have paid on the loan since the solar panels are not installed and working. However, none of the representatives have been helpful and they argue that I have to continue paying the loan or it will affect my credit. This is considered extortion. There was a breach of contract from the moment the contractor lost their XXXX license. Solar Mosaic did not reach out to me to find out how the remediation process has been going until I filed a complaint with the XXXX XXXX XXXX. I was supposed to receive a call from their billing department in regard to the credit, but I have not heard from them. 

I have done my research and Solar Mosaic should have obtained a compliance and completion inspection form prior to issuing the funds to the contractor. The contractor advised Mosaic of the project completion, and Mosaic should have verified it. If they did, I would not be in this situation. Solar Mosaic has been operating since XXXX  and issuing loans for solar projects so it is concerning to find out that they do not take the proper steps before issuing funds to contractors and verifying the contractors ' legality to protect the customer and the investment. I have also found several complaints about similar situations with Solar Mosaic. They are unreliable and unethical like the companies they work with. Paying for a service that I am not getting is a huge financial burden and I extremely frustrated with Solar Mosaic because they only care about making a profit and do not have the customers ' best interests in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information and Inquiries Viewed By Others currently showing and listed on my Chex Systems Consumer Report ID : XXXX are fraudulent accounts and fraudulent inquiries : XXXX  XXXX XXXX XXXX XXXX, XX/XX/2024, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024 XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XX/XX/2024 and XX/XX/2024 XXXX XXXX, XX/XX/2024 and XX/XX/2024 and XXXX XXXX XXXX, XX/XX/2024 and 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 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: WI

Complaint narrative:
XXXX XXXX XXXX, XXXX, Ks XXXX RE : XXXX XXXX XXXX - Stolen Identity To : Berlin Wheeler ( send via email to bwmail@berlinewheeler.com ) RE : Identity Theft Dispute from Berlin Wheeler for XXXX XXXX ** Bogus account was fraudulently setup and collections showed up on MY IDCARE credit reporting on XXXX & XXXX This email is a follow-up to phone conversations from XXXX. 
I am formally requesting written copied of the Account in question application and other business documentation per the Fair Debt Reporting Act.

Under the guidelines of the FDRA, I would also like to see everything Berlin Wheeler and XXXX XXXX has about this debt incurred in my name. 
- Example XXXX ; I was told by the XXXX recovery team that the first name entered on the XXXX account in question was spelled XXXX, that is not my first name? 
- Example XXXX ; the account was opened XXXX, what are the details?? 
o Where did they open the account, state or online o What email and phone number did they use o Did they show some sort identification ( passport, drivers license etc ). I would like to see copies o Did they give a social security number o Did they sign for the account, I would like a copy of the signature o What was the account opened for XXXX XXXX is a huge company {$270.00} seems like strange amount So someone opened an account for something XXXX falsely in my name and by XXXX it went to collections that just doesnt seem right?? Explain that XXXX to me Background : Immediately upon being notified of a pending collection, I contacted Berlin Wheeler to resolve an Identity Theft Issue : - XXXX I talked to Berlin Wheeler Collections person = XXXX XXXX, who pushed me off to contact the Creditor = XXXX XXXX o She told me to contact XXXX XXXX XXXX on their website and submit an email to ID-Verofy.cox.com, which I did immediately - XXXX via the XXXX XXXX XXXX and explained the dispute and identity theft of course they ( Cox ) never responded?? 
- XXXX I contacted the FTC and filed a complaint XXXX Second ( XXXX ) Disagreement with Collections Berlin Wheeler will not engage directly?? 
Per the Fair Debt Reporting Act I am publishing my finding with the XXXX ( XXXX ) agencies, Consumer Financial Protection Bureau, State Atty Generals Office, the FTC and XXXX. 

Received USPS on XXXX from XXXX falsely still showing this account ( which I never opened ) is still in collections until 2029?? 
Report # ( redacted ), dated XXXX Please let me know how we can resolve this matter, since you are the collections company for XXXX XXXX, that huge company is impossible to contact??? 

Thank you 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 2024-03-09 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:
I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
Im not sure of the exact dates but what I do know is I ordered something from XXXX and I never received the hair cutting clippers and as for the rain boots they were worn old and muddy when I received them so I returned them I have proof this is a fraudulent account id like the credit removal off my credit file.. and also a XXXX for each time they reported to my credit fraudulently asap

Company response to consumer: Closed with explanation