vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: NV

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: NV

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : 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 I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was sent a letter from the XXXX XXXX of  Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
I was sent a letter from the XXXX XXXX XXXX Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: AR

Complaint narrative:
I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by XXXX, Experian, and XXXX. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.

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 2023-07-29 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-07-29 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: IL

Complaint narrative:
XXXX XXXX and transunion has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID

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 2023-07-29 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: OH

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX FIN - XXXX Listed below are the Inquiries that are being challenged 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 2023-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
I am writing to complaint against a financial institution call Solar Mosaic LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX with the CA Finance license # XXXX. 
This company disbursed all the money from a loan acquired by me to a company that I hired back on XXXX XXXX to do solar panels and some improvements to my home and that never finished my project. We contract XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX, Owner name XXXX XXXX XXXX XXXX and his wife XXXX XXXX. Their company address was XXXX XXXX XXXX XXXX XXXX FL, also have another address on file as XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX but apparently, they closed the company. Owner address is XXXX XXXX XXXX XXXX, FL. As today XX/XX/XXXX our home improvement is still not finish and the owner calls saying that he doesn't have the money to finish my improvement and he said that we need to wait more time until he can get more money to finish our project, when the financial institution give him all the {$120000.00} of the loan back on XX/XX/XXXX. The financial institution just asks me if the panels was installed on the house but they never ask for the completion of all the improvement that goes in the contract and its not just me is more than XXXX families having the same or very similar situation with this company XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar and this financial institution Mosaic. They all have been fraud with thousands of dollars. Paying their loans without the completion their projects also they fraud us with the solar warranty and services that their promise to me and my wife. We need your help and this need to be investigated as soon as possible. We are paying a total amount with interest of {$150000.00}. We never see this money, Mosaic just send it to XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX  Solar directly and is so frustrating to pay a loan without them finish their job and under lies and false promises to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
On XX/XX/2023 I called our loan servicer and asked to speak with someone who could help us with our loan due to my wife and I both having XXXX twice and me with long term effects. I was offered a 90 day forbearance and told no payment would have to be made until XX/XX/2023. I asked if XXXX 's payment included and was assured that XXXX - XXXX payments were covered. On XX/XX/XXXX we received a default notice from Planet Home Lending. I called and was advised that the covid forbearance ended XX/XX/XXXX at sundown. We never were sent anything advising us that Planet Home Lending denied the forbearance on XX/XX/XXXX. We were never late on any payment or have missed any payment until Planet Home Lending guaranteed us a forbearance, and they have refused to accept their responsibility, have threatened us with foreclosure, have been very unprofessional by threatening us and constantly calling my wife at work after they were advised that she can't have personal calls during work. We were denied our lender information and when we asked for copies of our phone recordings since XX/XX/XXXX, we were told we would need a subpoena. We were told that they would pull the phone records and investigate if they did guarantee our forbearance and a manager would be in contact with us. No manager has contacted us. I've had to request a manager only to be put on hold for long periods of time and then be transfered to another collector. We received a notice that Planet Home Lending could start foreclosure proceedings on our home and to contact XXXX XXXX who is now to be our single point of contact however, we receive calls from collectors asking why we are in default and refusing to transfer the call to XXXX XXXX and again start with threats of damaging our credit and loss of our Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Transunion must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Transunion added 7 accounts with the name DEPT OF EDUCATIONXXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the 7 accounts to be reported into my consumer report. This is impartial because Transunion does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Transunion has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the 7 accounts to be removed from my consumer report.

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 2023-07-29 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 at approx XXXX XXXX I recieved an Email from what appeared to be XXXX XXXX. My wife and I had been trying a 30 day trial and had decided to try a one year subscription to XXXX. The Email stated the 30 day trial was about to expire. On this XXXX web site screen was a phone number to call XXXX to purchase and activate a one year subscription. After calling the number what appeared to be an XXXX employee stated he would help to activate the new subscription. I used my M & T bank credit card to attempt to purchase the subscription. The fraudster then asked me if I had sent money to anyone in California, Louisiana, and Texas. I stated I had not and immediately opened my electronic M & T Bank accounts to examine what he was talking about. As soon as I opened the XXXX account I observed a name XXXX XXXX typed in the send money spot of the XXXX screen. As soon as I read this my account was activated to send {$990.00}, and {$1400.00} to this false name. Whoever this was had control of my XXXX. I did not type anyones name or authorize anyone to send this money to 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 2023-07-29 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act GM Financial has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
We bought an above ground pool for a merchant who used Greensky Finanacial. The pool has never worked, and my husband and I have replaced every system in the pool except the shell. We have had to replace the filter system, 2 liners... etc. I have contacted Greensky because we want to stop payment on the loan. We are basically paying for 2 pools, and we have only used the pool for XXXX a summer since we got it in 2020. I called to make a compliant at least 5 times with Greensky to help with a resolution. I have only been called back by a so-called specialist once. They are useless and I am pretty sure they are doing nothing to help. It was a {$15000.00} and we have a balance of {$7000.00}. We would like to stop payment on a lemon of a product. Please let consumers know how terrible Greensky is and to not ever use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
I was sent a letter from the US Court of Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an RV loan with Bank of America that should be pending a payoff as of last week. I attempt to verify this information via my web account, the IVR and a customer service team member and cant get the information from any source. 

The web account no longer allows me access The IVR will take my account and last 4 of SSN and then directly transfers me to an agent that cant help. All the agent can see is a last payment date nothing more. Its alarming that a consumer cant confirm recipient of payment on their loan. As of now I dont know and wont know if the amount sent satisfies my loan or if I having a pending balance. 

I dont want this loan to roll another 30 days on my credit report and I dont want fees charged to my account. 

At the time of payoff should a bank/servicer be allowed to remove all access to a consumers account so they have no way of getting any information? Im needing to show the loan paid in full to receive refunds on gap insurance policy and if not received I could stand to lose more money due to Bank of Americas negligence. 

I will never do business again with Bank of America. 

Account # 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 2023-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is relating to the previous case I had opened concerning Bank of America illegally taking out {$16000.00} from my checking account without my knowledge nor consent. Bank of America attempted to get in touch with me to negotiate by phone. However, I was not comfortable talking to them. I want Bank of America to deposit the amount of {$16000.00} they stole back into the same checking 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