vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Demand for Removal of Alleged Debt from Consumer Report and Cease Communication Notice Dear Hunter Warfield, I am writing to address a serious issue concerning an entry made by Hunter Warfield on my consumer report for an alleged debt. My name is XXXX XXXX, and not only have I not been previously informed or validated about this debt, but I have also explicitly requested that your company cease all communications with me regarding this matter. 

Despite this clear request to cease communication, I find that my rights under the Fair Debt Collection Practices Act ( FDCPA ) continue to be disregarded by the continued presence of this entry on my consumer report. This action by Hunter Warfield is concerning, especially considering the legal obligations under 15 U.S. Code 6802, 15 USC 1681e, and particularly 15 U.S.C. 1681s-2 ( A ) ( 1 ), which clearly states, " 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. '' I hereby reiterate my demand for the immediate removal of this entry from my consumer report and insist on a cessation of all communications from Hunter Warfield regarding this alleged debt. Failure to comply with these demands will leave me with no choice but to seek legal action for the violation of my rights under the aforementioned statutes and any applicable federal laws. This will include actions for aggravated identity theft and the resultant pain and suffering. 

This letter serves as formal notice of my intent and a reaffirmation of my request for your company to cease all communication with me regarding this matter. If Hunter Warfield fails to confirm the removal of this alleged debt from my consumer report, I will proceed with legal action to address these violations.

I expect your prompt and definitive action in resolving this matter in accordance with federal law and my rights as a consumer.

Thank you for your immediate attention to this critical issue. I await your timely and affirmative response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There were 3 accounts in which were applied for with XXXX. 
XXXX. ) XXXX XXXX XXXX : I openned this account and fraudulent charges were made on this account. XXXX refused to correcct it and charged me over {$500.00} to close the account. I did pay and close the account to stop the harrashment even thou I did request they research the fraudelent charges but they refused. 
XXXX ) XXXX XXXX application on XX/XX/XXXX application # XXXX is fraud. I never applied for this account. 
XXXX ) XXXX VIP Rewards visa card on XX/XX/XXXX application # XXXX which is fraud. I never applied for this account. 

There also was a XXXX business card account applied for in my exhusbands and my name which was fraudulent on XX/XX/XXXX. Neither my exhusband or myself applied for it. 

There also is a XXXX XXXX account that is linked to my credit report which does not belong to me. ( I believe it belongs to my XXXX XXXX XXXX It is being reported on my credit report as well as his address which I have never resided at. I have addressed this issue previously with XXXX XXXX and it was removed but it is now showing up on my credit report again. I have place a dispute with Experian regarding this issue. 

My exhusband and I have not resided nor applied for any credit together for a very long time. This issue needs to be resolved asap. Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
This loan is for a solar system that was installed to the roof of my personal residence. The loan was set up with a bank account that I no longer use and when I made an attempt to call Mosaic and spoke with a customer service agent in XX/XX/XXXX. I told a gentleman by the name of XXXX on a voice recorded call my new updated bank account and that moving forward, they should not use the previous one and remove it entirely from their systems. 

About two weeks later without any notice or warning, I had a representative from the property come to my house and enter my property on the side yard without permission and place a lock on my system. Unbeknownst to us, the payment that I had made an attempt to set up with the correct bank account did not go through in time and the previous payment that was scheduled with the prior bank account bounced back and created a late payment. I thought I had done everything possible to resolve this prior to this bank draft bouncing back. I made my account current immediately when I was fully abreast of the current issue with the bank draft. 

About a week after my account was made current, I received a notice from the credit bureaus that Mosaic marked my payment as late and my score took a significant drop. 

I called with Mosaic several times and spoke to different agents who had varying degrees of oversight on this sort of issue. Today, XX/XX/XXXX, I was able to speak with a knowledgeable agent XXXX, who put in a request to have my case reviewed formally with management. XXXX told me that what happened was my auto pay with the previous bank account was already in process when I had called in XXXX to set up the new account, so when it bounced back, even though I had given them the correct bank to use, it was out of their hands. 

I was on a recorded call doing everything I could to avoid this. And still, due to a formality they elected to report my account to collections and mark it late. 


So far I have yet to hear back from them and I am awaiting their response. However, the past two times after speaking with them on the phone I have had little success in resolving this issue on my own - I feel that this company and my experience with them is not in the best interest of their borrowers, and consumers as a whole. 


Moreover, the bigger issue at hand is that I feel this was a classic example of predatory and unfair lending practices. No attempts were made to call me to rectify this issue, notify me of the potential that this would go to collections. All over its been one of the worst lenders that Ive worked with, and their systems and notifications are not adequate enough to provide fair disclosure, notification and relief for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I called XXXX on or around the time I XXXX XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the XXXX XXXX XXXX. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a new checking account with Citibank on XX/XX/XXXX. With the application, I was asked to provide my username and password since I have a Citi credit card. I did. I funded the account and the money has successfully been withdrawn from my external account. I do not have any access to this account. They have not provided me an account number. I do have the last 4 digits. They have provided no virtual access. They have not provided any information to view or obtain access to my funds which have been withdrawn from my banking account. I contacted Citi on XXXX thinking it was just an error. I was advised by XXXX ( Employee XXXX ), a Citi Supervisor that I do not/willnot have any access to the account or funds until the debit card is received next week. This seems illegal. There is no way I am able to monitor account activity or even fraudulent activity. I have no access to view, withdraw or deposit in to 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reviewed my consumer reports and I noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX, XXXX & XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report that I would like removed. 

Ally Financial Inquiry Date - XX/XX/XXXX The number listed for this inquiry is not in service.

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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX my PayPal , Inc. account was accessed through fraudulent means. At that time my PayPal account showed a balance of {$500.00}. The transaction details were as follows : Sent to an international account : {$500.00} {$3.00} ; XXXX XXXX Fee : {$4.00} {$37.00} XXXX Total : {$500.00} {$3700.00} XXXX I also filed a complaint with the XXXX Police Department for Fraud. 

At the same time this transaction occurred, the individual removed {$2800.00} from my debit card. I filed a complaint with XXXX XXXX XXXX Fraud Department. That is still ongoing pending investigation. This information is just being provided to support that someone other than myself completed the above transaction. As of XX/XX/XXXX, PayPal , Inc. filed a debt collection against me with XXXX XXXX XXXX XXXX for {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX XXXX, I noticed that I had started receiving some charges associated with my Checking Account. I called Wells Fargo and they explained that they had monthly fees associated with accounts that did not meet certain requirements. As this was news to me, they were willing to offer a refund and promised me that I would not see new charges for the current month. 

I did not notice until recently that I actually had been charged anyway, and for an additional month afterward, even though I had made changes to meet the fee exemption requirements. I contacted them today ( XXXX XXXX ) and was told that they would be unable to refund me for the charges they had previously promised I would not receive because it had been longer than 180 days since the charges had occurred. 

I don't think it's right that a company can get away with wrongful charges because of a self-defined limit on the timeframe in which things can be made right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I see hard inquiries on my account that I never did and I see address on my credit that I never lived at I need these thing to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We been victim of fraud on our credit card and TD bank doesnt want to reimburse the fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I see hard inquiries on my account that I never did and I see address on my credit that I never lived at I need these thing to be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to several accounts on my credit report. The accounts in question are listed on the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to seek your assistance in revisiting the findings related to my recent complaint, which pertains to several accounts on my credit report. The accounts in question are listed on the letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not familiar with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand Experian and XXXX to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I tried to consolidate my debt to lower my payments and I was approved for XXXX  % loans which was ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation