vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: MD

Complaint narrative:
It has been longer than 4 days and consumer reporting agency still reporting the accounts to the credit bureaus. My reputation is being tarnished and I am trying to get a home but can not due to these fraudulent accounts. Some accounts has been removed but all needs to go.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITER CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: TN

Complaint narrative:
In XXXX of 2022 a sales associate with XXXX XXXX came to our house and sold us solar panels to be financed through Solar mosaic. We were promised a reduction of around 70 % of our power bill, we were told we would have a warranty, and we were told we would get a rebate to pay off 30 % of our loan when we did our taxes. all of this turned out to be lies. We don't even save XXXX $ a month, we don't have a warranty, and we didn't receive the rebate as we were promised. Without paying the 30 % within 18 months the amount due will increase XXXX $ per month over the lifetime of the loan ultimately doubling the amount we owe we can't afford to pay for an additional power bill, I have called and spoke with Mosaic numerous times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Debt collection on my credit ofXXXX. I was never provided a letter of this it just popped up on credit report. Insurance was provided at the date not sure why this is on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
XXXX day I tried to access my Banco Popular account online and it didn't exist anymore. I never received any notification about it being closed or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance $ 0 Monthly payment {$270.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments XXXX XXXX  Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/23 I applied online to open an account of TD bank ( TD Bank checking Account Number : XXXX ) And went to the bank. They said my account was forcibly closed. I dont know why, I need my account back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Transunion to reflect my proper current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX CA XXXX ) but my report is reflecting this address incorrectly ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ). This is not a real address, they seem to have butchered my actual address on file. 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, XXXX and XXXX have updated their systems and are reporting my correct current address- but Transunion has not. PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. Thank you.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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 a 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$11000.00} Original balance $ 0 Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Our father expired XX/XX/2023. His SSA check was deposited into his Chase checking account XX/XX/2023 and an immediate hold was placed. When the local Chase bank in XXXX XXXX was questioned they said that the SSA had placed the hold. We then went to the SSA and were given paperwork to fill out for underpayment of funds. After completing the paperwork we returned to the local SSA and were told we did not need to file the paperwork, Chase bank had the money and they were the ones who placed the hold. So then we returned to the Chase bank and eventually met with the manager who informed us that Chase has a department called Federal Reclaims, where they take the SSA money deposited and put it in hold for 6 months until there is no request from SSA to return the money. After the 6 month hold passes they release the money to the families. We checked with both XXXXXXXX XXXX and XXXX XXXX and they reported that they immediately return SSA funds and allow the families to pursue the underpayment option through the SSA. The bank manager stated that if the SSA submitted a written statement that the funds were indeed correct they would release the money. So, we called back to SSA office in XXXX and talked w/another employee, who related she was her aunt 's executer and was going through the same waiting period, her release date is in XXXX of this year. She stated that the SSA never writes that type of letter to any entity. Our release date is XX/XX/2023. Is this standard practice? Is Chase bank earning interest on SSA funds and not informing the Federal Government? Is Chase going to pay interest to the families on the funds they have held?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/XXXX I had received a call from the chime ( a banking app ) customer support number. I was told that my account was under technical issues and that I would need to transfer the money to a secure account. The app only allowed XXXX XXXX to be transferred to the secure account and the caller used different tactics such as giving a false badge number and using the same music as the real customer service when they would place me on hold. The day after I called on the real customer service line to get them to stop/refund the transaction. There was a dispute placed that has been opened repeatedly but it has been denied every time thus far. There have been calls made to the New Mexico treasury, a lawyer ( was given free consultation ) in order to see how I could recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. It is essential that the mentioned accounts and details not be reported on my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of the law. Please take immediate action to remove these items. Thank you.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I have sent all the required documentation to Experian to reflect my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.

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 2023-07-19 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

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 2023-07-19 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as the are in violation. Under, 15 U.S. code 1681bc- Permissible purposes of consumer reports ( a ) in GENERAL subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the to whom it relates. I never gave any consumer reporting agency writer consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

XXXX XXXX for {$450.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$250.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX for {$320.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$10000.00} opened XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$22000.00} opened XX/XX/XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$14000.00} is a fraudulent account and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NM

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.

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 a 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 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