vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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: MO

Complaint narrative:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. Portfolio Recovery and XXXX acquired on XX/XX/XXXX. Portfolio Recovery and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information Portfolio Recovery and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

Portfolio Recovery Associates XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
XXXX financed {$75000.00} for a {$140000.00} Solar project.. we were told it was a low interest government loan... Mosaic charges ... 5.24 % ..interest.,,. we were dual financed XXXX Mosaic and XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX XXXX a {$70000.00} loan ... the convicted felon Installer ... yes ... convicted of Fraud and Forgery..dual financed us..which broke His contract with XXXX... they canceled it after XXXX phone call and showing proof ... Mosaic refuses to help... even though they were sent proof and a link to a XXXX page solar report.., detailing how the system is completely DEAD.., full of huge installation errors... and poses a risk for serious injury or XXXX ... we informed them over XXXX times ... our system was never finished ... never connected.., they have reported us for late payments ... harassed us with collecting calls.., and will put a lein on our house..all while supporting the convicted felon installer ... who lies ... the interest rate they are charging us .., is outrageous... it was represented to my XXXX and I as LOW INTEREST GOVERNMENT MONEY ... in my opinion.., Mosaic XXXX running a loan shark company ... that's how badly I feel they have acted ... totally in bad faith...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a credit card with XXXX XXXX, which is commenity bank we had to get a replacement card. The card has never been sent to us, and they say they have some internal software problem with their computers for over two months now can not even use the line of credit. Finally, after dealing with them, I have spent three weeks trying to pay them off to close out account because we do not want their services any longer and they are telling me that they can not and they have no ETA on when its going to get fixed and 2 1/2 months later we are upset because our credit is tied up on this and they cant seem to get it fixed we cant use the credit we have nothing ultimately what I want at this point is to pay off my account and close my account which they say they can not do and even if I have a payment due they can not take payments. Either is what theyre saying. I only owe about {$120.00} and its hard for me to believe they wont let me pay it off and close out the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
Well I had a company trying to charge my account with a subscription that had been canceled they tried with XXXX different fictitious names for their company and each one of them had I had the money in my account would have been debited to them I told cash app every time they did it I wanted them blocked they had no right to take my money I tried to stop put a stop payment on it several times to no avail finally they got the money out of my account I disputed it I'm on the XXXX day without a word from them I've had to contact them every day trying to get my money back trying to get the temporary provisional credit and nothing I can't even get anybody tell me the same straight story I can keep getting told their specialty team is escalating it I was told by XXXX person I didn't even have a dispute phone I was just told yesterday that it would be taken care of yesterday evening or this morning so I've been on here with them all day and I can't get anybody to just ignore me now I showed them in their own terms and conditions what it said that they have XXXX days after the XXXX days they have to either tonight or give me a provisional credit I'm on the XXXX day and everyone acts like it's no big deal I don't know what to do I keep getting lied to for some generic answers given to me over and over and over I called the company to try to get my money back they told me they would refund it to me I've never seen it that's why I disputed after that I disputed it I then called back the week after right before I did dispute it and they were reward center now they're not even the same company but it's the same employees working there saying it's not them and I know because I spoke with XXXX of them on the phone they're scam XXXX and that's all they're doing I don't understand how that's a hard investigation to pull off when I tried to stop payment on it to begin with that's where it should have been to that and I told them that it's all in the transcripts all in the transcripts of me chatting with support everyday for XXXX months now almost

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Agreed to voluntarily return recreational vehicle XXXX XXXXXXXX XXXX related to COVID crisis in exchange to remove debt and debt still remains on credit report in the amount of {$1400.00}. Received letter from company saying I owed money still after the sale of vehicle which was not discussed with me as an agreement to be owed after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I was in between moving homes due to my XXXX getting a new job. I notified pennymac that I was going to make a double payment in XXXX and not pay anything in XXXX My XXXX  is a co-signer on the house and he was not informed on this decision. I had no understanding that it would affect my credit score negatively. Once my XXXX  found out it was too late for him to pay it. They made no effort to reach out to him and notify him before it was considered a month late. My XXXX and I tried to talk with them and get a courtesy and forgive it but they said they don't do those even though we have a very good record and relationship with them. We found this very wrong and highly unprofessional on their part and we are trying to find a way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX, I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. Transunion sent me a letter in the mail on XXXX XXXX, XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have rights to my privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. XXXX XXXX and XXXX acquired on XX/XX/XXXX. XXXX XXXX and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX, part of the XXXX corporate company, is refusing to remove an incorrect account from mine and my XXXX XXXX  credit reports. We have filed XXXX disputes with each credit reporting agency in 18 months and XXXX XXXX to admit the discrepancies and incorrect information. The debt we owed was satisfactorily paid in full in XXXX XXXX and paid directly to XXXX XXXX. This debt, after it was paid, was reported as a derogatory " Other Loans '' account on all XXXX of our credit reports for both of us. This account & debt was never a loan of any type nor did we sign any documents or contracts that said the account was a loan. Also, I have provided ample documentation and information to XXXX in these disputes that I was only the authorized user on the account and that my husband was the main account holder. The original XXXX account was opened in XXXX, XXXX entire year prior to meeting my husband for the first time. I was added to the account as an authorized user in Fall XXXX ; therefore, at minimum this account should be removed from my XXXX credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TX

Complaint narrative:
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did Equifax. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXXl on XX/XX/XXXX so Please tell Equifax and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: American First Finance, Inc.
State: TX

Complaint narrative:
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did XXXX. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has American First Finance for {$2400.00}, the other 2 have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX  response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX  XXXX  XXXX on XX/XX/XXXX and XXXX XXXX  XXXX on XX/XX/XXXX so Please tell XXXX and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!

Company response to consumer: Closed with explanation