vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
According to the FDCPA I am excercising my right as a consumer! You have violated me on multiple levels including defamation of character, invasion of privacy, grand theft auto, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act, XXXX account number XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.

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 2022-11-21 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: TX

Complaint narrative:
There are accounts in my report that I view fraudulent, the dates, balances, and statuses are wrong. This is violating my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I tried to email First Hawaiian Bank to get a new account information packet mailed to my home address XXXX the messaging feature on my online banking. I opened the account on XX/XX/2022 and the Banker XXXX XXXX did not give me a new informational packet with the list of fees listed. He did however give me my account card with my Account number for the First Hawaiian Online Banking Sign up. I still have not heard anything back from the Bank Customer Service about my account information request. I keep new account informational packets for my records to show what banks I opened and the list of fees if and when I get charged fees that I do not recognize. Please also note in the screenshot I have uploaded with my account transactions the XX/XX/XXXX with the XXXX dollar deposit is the opening deposit I made when opening this Regular Savings Account with First Hawaiian Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased an item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX a XXXX XXXX credit card. However, the delivery tracking number # XXXX indicated a delivery on Saturday, XX/XX/2022 at between XXXXXXXX XXXX ( CT ) XXXX XXXX ( CT ) that NEVER occurred. This is FRAUD. The package NEVER arrived, although, the tracking on the XXXX  XXXX website indicated it did. I immediately advised XXXX XXXX that I did not receive the package. I chatted on-line with customer service then submitted the affidavit as requested, all within an hour or two, after identifying the package was not delivered. Subsequently, I received a billing statement from Comenity Bank on behalf of XXXX XXXX ( i.e., merchant ) charging me for an item that I did not receive. Now, I am being bullied, harassed by telephone several times a day and by mail with a bill that I do not owe demanding that I pay it! No, I am NOT going to pay for an item that I did not receive. Comenity Bank, apparently, has decided when a customer orders an item ( s ) the customer must whether the item ( s ) are received or not! Comenity Bank is not requesting the merchant guarantee deliveries of item ( s ) ordered. It is apparent that the delivery vendor ( s ) are stealing customer orders and Comenity Bank is insisting the customer pay for item ( s ) not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

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 2022-11-21 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX- XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX-Equifax-XXXX XXXX 2022 XXXX  XXXX XXXX, 2022 XXXX XXXXXXXXXXXX XXXX 2022  XXXX XXXXEquifax-XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX, XXXXEquifax-XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 Factual Data-Equifax-XXXX XXXX XXXX 2022 Equifax MXXXX XXXXEquifax-XXXX  XXXX XXXX 2022 XXXX XXXX Llc-Equifax-XXXX XXXX 2022 XXXX, XXXXEquifax-XXXX XXXX 2022 XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX Equifax XXXX XXXX XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Experian-XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXXExperian-XXXX XXXX, 2022 SXXXX XXXXExperian-XXXX  XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX-Experian-XXXX  XXXX XXXX 2022 XXXX XXXX, XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX, XXXX XXXX, XXXX Negative Items : XXXX XXXX XXXX XXXX, Experian XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX XXXX XXXX Experian XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: NC

Complaint narrative:
I obtained a loan for solar panels from Solar Mosaic via the selling agent, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. To this day the system has either not worked at all or not properly. I e continued to pay the loan while working with the installer to fix, replace, remove the system. Im XX/XX/XXXX the installer went out of business and filed bankruptcy, leaving me owing {$40000.00} with nothing to show for it. 
I reached out to Solar Mosaic on several occasions asking for loan modifications, freeze the loan, or any other assistance. Ive been told no in no uncertain terms leaving me with no option but to stop making the payments. 
I dont want to ruin my credit but I cant continue to pay for a system that doesnt work. 
The NC state attorney general has opened an investigation into the installer including fraudulent sales practices of XXXX XXXX XXXX and the loan companies that financed their panels. Im asking for relief, assistance, help of any kind to come to a peaceful resolution that doesnt ruin my own credit. I appreciate any and all help you can provide. This is a LONG story but Ill go through it with anyone who wants to listen. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX my debit card with the company cash app got stolen out of my car while I was pumping gas. There were four transactions made by whoever stole my card there was two from XXXX ( XXXX ) XXXX ( XXXX ) XXXX which were the biggest then there was one from XXXX XXXX  for XXXX $ an one from XXXX XXXX XXXX for XXXX XXXX as soon as I noticed my card was missing I froze my debit card an closed the account an started to contact support it took them a week to tell me to call them to file disputes so I did an I received these results the XXXX XXXX were denied an the other two were refunded. I've contacted there numerous times to ask how this is bc my card is FDIC insured first an second the other two were proven in my favor so why not the one that matter the big transactions. They can not give me an answer the will either read of my transactions or just make some scripted stuff but absolutely no one will give me an answer an I have said this a hundred times " I'm aware XXXX denied it I don't think they watched the security cameras an said Humm idk that does/does n't look like XXXX using that card ''. The fact is my card was stolen from me I've done everything correct step an cash app just don't wan na have to refund my money an something needs to be done I'm a single mom an I sold my car to be able to buy my kids XXXX an someone stole that money from me an I thought that was them being insured was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
in XXXX  a 9 month cd was taken out for collateral the collateral no longer is needed, but Bank of America refuses to close my CD. the amount is {$200000.00} XXXX i hasve spent numerous hours at the local bank and on the phone and no one has the knowledge to close the CD and transfer to checking

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 2022-11-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
Hard inquiries that I didn't not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am severely distressed due to my rights being violated by this company. 

I woke up the morning XX/XX/XXXX to find my vehicle, a XXXX XXXX XXXX, was stolen from a private gated property by an unauthorized third party, which is a violation of 15 usc 1692f ( 6 ), which the third party company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, did not have a court order to seize said property. XXXX XXXX is also in violation of 15 USC 6803 ( a ) ( 1 ), because they did not receive any written authorization from ME to disclose my personal information to a third party. 

Further in accordance with 15 USC 1692e ( 2 ) ( 4 ) This company is liable for the unlawful seizure of my property, as the vehicle was parked in a private gated area in the middle of the night, so the towing company had no legal means of entering the property, thus resulting in XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I know my rights afforded to me by federal law, and I am requesting immediate compensation to my distresses or I will be forced to seek litigation.

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXXI had filed a claim with BMO ( {$20000.00} ) with a police report stating that XXXX  has took my money and refuse to give it back after a bet was made that resulted in to a VOID. The police stated it was fraud. On XX/XX/2022 I got a letter stating the charges of {$5000.00} came back valid. Today is XX/XX/2022 I have been requesting this information and still have yet to get it. Im not sure what type of claim BMO filed but theres no evidence of XXXX refunding my money or that the game didnt end in a TIE. I believed the customer rep put that I didnt authorize these transactions and thats not. THE POLICE REPORT CLEARLY STATE THE FACTS. So XXXX was suppose to close the claim on XX/XX/2022 Ive been calling all last week and there was nothing updated BMO stated they still havent heard back for the rest of my claim. So today XX/XX/2022 they are stated they got the evidence.

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 2022-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair Credit reporting act XXXX account Experian has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out my written instructions.

15 USC 1666B : A creditor may not treat a payment On a credit card account Under an open End consumer credit plan as late For any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO TRANSUNION, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XXXX/XXXX/2022 SHOWS A LATE FOR XXXX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.

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