vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: DE

Complaint narrative:
I looked at my Experian credit report on, XX/XX/year>, and noticed that there are items on my credit report that are incomplete and inaccurate. According to the FCRA, whenever a CRA prepares a consumers report, it shall follow reasonable procedures to assure maximum possible accuracy of the information pertaining to the consumer the account relates. These accounts are inaccurate and incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I sent Experian a letter asking them to make sure that the information they are reporting in my credit report is accurate and complete. I received a letter from Experian stating that after their investigation, my credit report and the accounts in question are accurate and complete. 
15 USC 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If after any reivestigation under paragraph ( i ) any information disputed by a consumer, any item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been deleted or modified from the file of the consumer. 


- I then created a letter asking them how did they verify the account. According to the FCRA, ( 7 ) Description of the re investigation procedure. A CRA shall provide the consumer a description, referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. THEY DID NOT do either. Can you please help me with 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
This started when I tasked my ex girlfriend to call around for solar panel installation quotes. She immediately called XXXX XXXX XXXX XXXX XXXX XXXX XXXX out electric provider and they suggest XXXX XXXX. I found this strange that a non-profit, coop was suggesting any solar company but maybe they get a kickback from it I didn't not know. However I wish they'd never suggested XXXX. The salesman from XXXX, XXXX, put great pressure on myself and my ex, he wouldn't take no for an answer and the under great, great duress I caved and signed a bunch of things I wasn't in agreeance with. He did change the terms to make it slightly less of a bilk but the cost is beyond any reasonable cost, nearly {$70000.00} for ground mount solar. Too to my complaint is that they use Sunlight Financial as the financial institution, there are a mountain of complaints against Sunlight for bad business practices. I didn't really have an issue until this month when they raised my solar fee from {$250.00} to {$320.00} without so much of a warning. They think people do not check their statements and wouldn't expect such a hike. Upon speaking with customer service who were very rude and stated that the company want XXXX % of the total loan to keep the rate the same. I was told by XXXX that I could pay with the tax credit over 20 years to pay off $ XXXX and that the rate would stay the same if I put a XXXX or so on the principle upon receipt of tax credit, which I did. I paid several thousands off on the principle and yet they still raised my rate, without my knowledge in an attempt to cause me to default on my payment so that they can take my house. They also tie in XXXX XXXX XXXX to make the consumer create an account which the them as well for some reason. These XXXX companies are all in bed with each other to bilk the consumer out and f thousands and thousands of dollars. Hardly any of the payment goes to the principal and it isn't right. I want to speak to someone about this Ponzi scheme and am wondering how f a class action lawsuit can be filed for considering the long list of very upset customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
They wont remove any of the inaccuracies in my credit report I sent over XXXX letters XXXX times and nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
I have made multiple attempts to rectify this issue with Experian. They have failed to reinvestigate the following accounts which is my right as a consumer under the FCRA- XXXX Locator # XXXX XXXX XXXX Locator # : XXXX XXXX Locator XXXX : XXXXXXXX XXXX XXXX Locator # XXXX XXXX XXXX XXXX XXXX Locator # 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 2024-07-15 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will invesigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Name ; XXXX XXXX XXXX Account Number : 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 2024-07-15 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will invesigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Name ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2024-07-15 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: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX U.S.CIVIL CODE 241 & 242, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Please see attached letter. I have files : written correspondence from Citizens, emails from Citizens and emails from the Attorney 's office working on the case, however the files are to large to attach here. I can sent the files in a separate email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
They wont remove any of the inaccuracies in my credit report I sent over five letters three times and nothing has changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Termination of Lease Due to Negligence and Unsafe Living Conditions Park At XXXX Filed eviction when they Moved me to Back of Apartments For Rat infestation and Management was Not in Office to Accept Payments 3 Months After They Moved me. Offered Pay and Stay They Accepted. 1. **Rat Infestation** : I endured a documented rat infestation for six months in my initial unit before property management decided to relocate me. The infestation was a serious health hazard and was not addressed in a timely manner. XXXX. XXXX XXXX : Upon moving to a new unit, I discovered that the HVAC system was non-functional. Despite repeated requests, this issue remained unresolved from XXXX until my departure in XXXX, making the unit uninhabitable, especially during extreme weather conditions. XXXX. **Lack of Security** : The security gate has been non-functional for over two years, compromising the safety of all residents. Additionally, the lack of on-site security has led to multiple break-ins : - My unit was broken into twice, with police reports documenting both incidents. - Squatters occupied the unit above mine, resulting in theft and additional safety concerns. - During my recent visit to pack up my apartment, I discovered a squatter had taken residence due to the unrepaired window from the first break-in, necessitating another police call. 4. **Safety Concerns** : As a single woman living alone, I was the only resident in the entire 5 buildings at the back of the apartments. This isolation, combined with the aforementioned security issues, has made me feel extremely unsafe and vulnerable. Due to these conditions, I have been forced to vacate the premises for my safety. I am also concerned about my credit and rental history. I have a balance from the time between reporting the rat infestation and the time I was moved. I intend to pay this balance and have made a {$2300.00} payment today, XX/XX/XXXX. I will return on XX/XX/XXXX, with {$1200.00} more. However, I request that this lease termination does not negatively affect my credit or rental history given the documented negligence and safety issues. Please note that I am returning my keys on XX/XX/XXXX. I have been unable to complete a move-out walkthrough with the property XXXX as they have not been available since XX/XX/XXXX. I would appreciate confirmation of the receipt of this notice and the keys, as well as the outstanding balance and my payment. XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX Received last Payment on XX/XX/XXXX XXXX balance is satisfied Please contact for question and Answers XXXX XXXX account ( XXXX ) Paid Confirmation ( 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 2024-07-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-15 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: GA

Complaint narrative:
I checked my credit and I found that there are 3 accounts and multiple inquires that can't be verified as accurate this data on my credit report are not 100 % accurately reported and it is not 100 % correct as it should be according to the law! I'm aware from studying the fcra and the fdcpa that it is a clear violation of the law that are in place to protect each consumer like me that these credit reporting companies don't report any data or information that has not been proven 100 % accurate not 90 % or 95 % accurate no it has to be 100 % accurate or has to be deleted plain and simple! It says it in the FCRA that any and everything on my credit report has to be 100 % accurate on my credit report according to 15 use code 1681e ( b ) and 15 usc 1681i ( 5 ) this data on my credit is a huge violation of not reporting 100 % accurate this is ruining my perfectly good reputation! For this violation I can get {$3000.00} in a lawsuit against these companies {$1000.00} for each violation! I am educated on this matter as you can see so please stop treating me like a uneducated consumer because as you can see from this complaint I'm far from that!!! 
oh yeah and don't send no computer generated stall letters to my house like y'all did before this another violation come on now I know this stuff like the back of my hand!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
I have contacted Experian, XXXX and XXXX on more than XXXX occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XX/XX/XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. Experian has yet to address these matters.

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