vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Fraudulent XXXX XXXX Accounts Reported by XXXX XXXX & The CBE Group Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX and I am filing this complaint regarding two fraudulent collections accounts placed on my credit report by : XXXX XXXX The CBE Group Both collection entries claim I owe debts to XXXX XXXX for overlapping dates in XXXX. I never had a XXXX account in my name during this periodor at any time. From XXXX through XX/XX/XXXX, the only XXXX account in our household was under my husband XXXX name XXXX Beginning in XXXX, we switched to XXXX XXXXXXXX XXXX XXXX, and no one in our home has had a XXXX XXXX account since then. 

Key Points : No Account in My Name : I have never had a XXXX  account. We can provide documentation confirming this. 
Overlapping Dates : These two separate collection agencies report the same debt for the same or similar dates, which makes no sense.

Fraudulent Tactics : These appear to be blatant fishing attempts, and I believe they are negatively and unfairly impacting my credit.

Demand for Damages & Removal : I request immediate removal of these false accounts and compensation for the harm done to my credit profile. 
Potential Legal Action : Because I am so frustrated by repeated fake collections, I intend to pursue action in small claims court if this matter is not resolved. I will bring concrete proof that there was never any XXXX account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: NJ

Complaint narrative:
Im writing for the case of XXXX for account ending with in XXXX. 

In XX/XX/XXXX I called to dispute multiple unauthorized charges in my card from XX/XX/XXXX to XX/XX/XXXX for a total of {$1100.00}. they credited me on multiple dates for a total of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which more than i disputed. between XXXX {$1000.00} was deducted from my account by them, I called them for an explanation, they stated because they credited me double of what I said, which isn't truth they credited me XXXX more. I demand them to open the case and looked at the error adjust my account they decided to closed my account and they won't give me an answer that was XX/XX/XXXX the bank statement I pulled from their website wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yesterday in the middle of holiday expenses, Bank of America decided that my account needed investigation and took almost 3 months ' worth of salary from my account. Im now in deep overdraft. I have a normal nonprofit salary, always consistent amounts and deposite days.

Yet, right in the middle of spending on gifts, activities, vacations, and winter utilities, @ BankofAmerica made this decision to take funds and investigate as if they were the IRS. We are talking about almost 3mo of salary! I offered any documents needed to solve and they said no, it will take what it will take. Why would they not let me assist with documentation if their goal is to solve it? Why not send me a formal written response explaining why they withdrew money from my account without consent? 

What if I am marooned in another city and cant pay for my hotel or food or way back home? What of I cant pay rent or heating?

It's been almost 48hrs with no response. Already my autopay for car insurance and dental have been rejected. It's impacting my life.

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 monetary relief
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

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 2024-12-27 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: MI

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I HAVE MAILED FOUR WRITTEN REQUESTS FOR THE ALLEGED DEBT THAT I DISPUTE. XXXX XXXX XXXX XXXX AND LAST ONE ON XXXX XXXX. AMOUNT OF DEBT XXXX ALLEGEDLY FROM XXXX XXXX IN XXXX XXXX INDIANA. 
XXXX  HAS FAILED TO RESPOND IN ANY MANNER TO THE REQUEST FOR SUPPORTING DOCUMENTS. 
NO CALLS, NO EMAILS NO CORRESPONDENCE, I BELIEVE THE DEBT IS FALSE AND OR A SCAM. 

XXXX IS THE DEBT COLLECTORS ACCT NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Enrolled in XXXX but they keep taking out {$20.00} for overdraft fees when I pay for something that is {$5.00} or below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MI

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/year> I submitted an Income Based Repayment ( IBR ) application on the FSA website. The site indicated that my application would be sent to my servicer, MOHELA, for processing. I should have been put in a processing forbearance but have not. On XX/XX/XXXX, I submitted my IBR paperwork to the MOHELA site directly and called the customer service line to inquire how to be put in processing forbearance. Did not receive any answer, except to wait. I then asked to be transferred to a supervisor and I've been on hold for nearly an hour. I have already waited more than 2 months and need to be placed in a processing forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the inaccurate personal information on my consumer report. The only correct address associated with me is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.

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 2024-12-27 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: CA

Complaint narrative:
I OPEN MY CREDIT REPORT AND I SAW XXXX INQUIRIES THAT WAS NOT BELONG TO ME I BELIEVE IT WAS FRAUDULENT ACTIVITY XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-12-27 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my mom and I decided to hire a XXXX to build an XXXX on our home property. The XXXX XXXX from XXXX XXXX XXXX XXXX used Solar Mosaic LLC to finance and take out a Home improvement loan, a lump sum of {$74000.00}. My loan is {$45000.00} and my mother 's is {$37000.00}. Unfortunately for us, XXXX ended up being a fraudulent XXXX and took off with the money, XXXX was not communicating with me regarding the construction, and he wouldn't talk to the XXXX either. I have reached out to Mosaic several times, starting early this year around XX/XX/XXXX to report the problem and I was hoping that Mosaic would be understanding of this horrific event. It came to my knowledge that there were XXXX other people who had complaints against XXXX through Mosaic. After exchanging emails and sending photos of the property it took Mosaic about XXXX months just to tell me that they couldn't do anything because they couldn't prove where the money went or what it was used for. I don't think Mosaic even took this matter seriously. We are talking about {$740.00} a month, for something that I did not get in return. I did not get the promised construction, and I still have to pay that back. I have been paying {$740.00} since XX/XX/XXXX and it's getting more difficult, the only reason I have been paying it is to prevent my XXXX XXXX from dropping. I am a victim of a fraudulent XXXX ; I have pictures and emails to prove it all. My mother is also on the Mosaic XXXX, her separate loan is {$37000.00} and pays {$620.00} a month. This is a lot of money we are talking about, Mosaic needs to deal with this differently because it is absolutely unfair for my family and kids. Mosaic is now taking advantage of me as a " consumer '' if you can even call it that. I just want Mosaic off my name and credit report, my kids and family do not deserve this at all. I waited this long to put in a report because I am a fulltime working mom, XXXX XXXX XXXX who is trying to better herself and now I get hit with this nonsense fraud, I finally found time to sit down and write this whole report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: OR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: OR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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