vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
These people approved me for a XXXX XXXX card. Blocked my card instantly. Then sent me a letter saying my account was fraudulent. Without even trying to verify it wasn't. They said I reported it as fraud which is a lie. There customer service says reapply for the card and I do this then Im denied. With another hard pull to my credit report What a terrible company to deal with. I filled a dispute with XXXX XXXX. They said this has happened multiple times and they are looking into using other reputable credit companys to handle the financing. Good job td of making XXXX XXXX look bad. All I know is I applied for this card I received this card I was approved for this card. No fraud was any where in the picture. I never reported fraud. I looked like a fool in the XXXX XXXX store trying to make a purchase. Fix this issue or I will figure out some way to file a suit for discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Scammed by meeting someone on XXXX online dating platform for about 4 months. Several wires sent to XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and principal is held up in XXXX XXXX trading platform and XXXX. 

Bank Transfers : XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX - {$1000.00} on XX/XX/XXXX Wires to XXXX XXXX XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$33000.00} on XX/XX/XXXX {$75000.00} on XX/XX/XXXX Wires to XXXX, XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$13000.00} on XX/XX/XXXX $ XXXX on XX/XX/XXXX I've made a local PD report as the person that fake relationship I had with a party provided a fake drivers license to me. I've filed a complaint with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion took more than 30 days to complete their investigation from my letter I sent in XXXX here is my certified tracking # : XXXX this is ground for removal they are violating my rights

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 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: NV

Complaint narrative:
I got XXXX, phone XXXX XXXX XXXX, to install solar panels, they introduced Mosaic, license XXXX. It has passed 8 months and I do not have my solar working, and I have been paying doble, paying XXXX  XXXX, and paying Mosaic, so I get tired of it and suspended any payment to Mosaic, because I am paying for a product which I do not have. XXXX is playing games with me and nevada power. They installed more panels than necessary, and XXXX  XXXX, is not approving it. Also they try for me to lie to XXXX  XXXX to have it approved. Spoke to Mosaic today, and the costumer service said that I have to pay, even if I do not have the product!!! They said my account is delinquent and that I have to fix it with XXXX! Outrageous! XXXX is not doing anything. I have for 8 months now a useless solar panels over my roof and double paying. How can I cancel my account with Mosaic and have the panels removed? Please clarify me about the law and my rights as a consumer. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CREDIT COLLECTION SERVICE company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDIT COLLECTION SERVICE knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report.

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
My Gemini account has been frozen since XX/XX/23. I was exchanging emails back and forth with support for about a week after the freeze, but haven't heard anything since. I've sent multiple follow up emails with no response. It doesn't appear like there is any phone number I can call either. I have money on my account that I would like to withdraw asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have Rights under 15USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times .I DEMAND THE ACCOUNTS listed below be removed because According to 15 USC 1681 : I have the right to privacy and I DIDNOT GIVE Equifax written permission to furnish these accounts. 

XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
XXXX, XXXX XXXX XXXX with Navient has contacted my employer and has attempted to harass me and my employer. He wants my employer to call him and to send him personal information on me. In an attempt to get them to put pressure on me or possibly fire me. This tactic is unprofessional and unethical. Please stop Navient from using these bullying techniques on Alabama employers and employees. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
UPSTARTXXXX Reported : XXXX. XXXX, 2022 This account has been settled for an agreement that it would be removed from my report when paid. I have paid the account settlement yet the account still shows as : Payment History Last payment XXXX XXXX, 2022 Current Payment Status In Collections/Charge-off Account status Derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-17 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: NY

Complaint narrative:
On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, Equifax sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And Experian never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX sold an alleged debt to Amsher Collection Services Inc . According to XXXX XXXX XXXX, Amsher Collection Services is not licensed to collect debt in New York State. My issue now is that Amsher Collection Services is attempting to illegally collect a debt from a state they are not licensed inside of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation