vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX transunion and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank says that they presented to my bank XXXX a bill pay in XXXX of 2023 which I have been set up with for over 4 years and everything was always paid. Then for some reason citi says XXXX returned the payment request for XXXX on XX/XX/2023 then online said the payment was returned due to acct frozen. So I contacted my XXXX  banker and they said absolutely not that the account was never frozen and there was plenty of money in acct and when they researched it it shows Citi never even presented it for payment then I spoke with citi and got the run around and requested a manager and never got to speak to manager just got put on hold for over an hour

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 2023-12-14 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to XXXX, XXXX, TRANSUNION.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to EQUIFAX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System Information request letter sent to validate debt with a billing statement in the following dates : XXXX XXXX XXXX XXXX No response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: MD

Complaint narrative:
I placed an order on XXXX  using a credit card issued by Zip/QuadPay so I could pay for the item in 4 installments. The zip order # is XXXX. I never received this item from the merchant, and I have tried to contact the merchant numerous times uncessfully. The merchant is not responding and has not delivered my item. I contacted Zip on XX/XX/XXXX to try to initiate a dispute regarding this transation, but was told I needed to wait for 13 days. I contacted them again XX/XX/XXXX, and am again being told it is too early to initiate a dispute. They have told me if I want to dispute the charge with the bank I can but that it would affect my zip account standing. 

Zip issued this credit card that was used to pay, and should be able to initiate a chargeback request with the merchant to get the money back. More than 13 days have passed since I placed the order. I have tried to resolve this on my own. Zip needs to initiate a dispute, investigate this money with the merchant, and refund the money I've paid for this item I've never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I mailed the XXXX XXXX XXXX, my negotiable Instrument to " set-off '' this debt and other requests, via registered mail ( # RR XXXX XXXX XXXX XXXX ). It was delivered on XX/XX/XXXX  @ XXXX, per USPS tracking. He has REFUSED to set-off this debt, as stated by law, UCC XXXX XXXX if an attempt to tender payment is done in good faith, and refused, then that amount attempted to be tendered, is discharged from tbe principle of debt! He is an evil person, I have sent many requests to this man, and never receive what I request. I have been requesting these things since XXXX. And I have no idea why he will not tender my security. Please help! Now they are threatening me with foreclosure!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered a home improvement contract with XXXX XXXX XXXX. Subsequently, I applied for a {$90000.00} home improvement loan with Solar Mosaic LLC, which partners with XXXX as the lender. After my loan was approved by XXXX, the entire amount of {$90000.00} was distributed to Mosaic with the intention of transferring the funds to XXXX XXXX XXXX within four months, as per stage funding process. 

However, despite the funds being released to XXXX by Mosaic or XXXX, no construction stages have been completed, and the project remains unfinished. I have made numerous attempts to contact XXXX XXXX XXXX, including phone calls, text messages, and emails. Unfortunately, they have been unresponsive and unable to provide any explanation for the delay or lack of progress on my construction project. 

To address this matter, I filed a complaint with the CSLB ( California XXXX XXXX XXXX ), who is currently investigating XXXX XXXX XXXX, It has come to my attention that their license expired on XX/XX/XXXX, further raising concerns about their credibility and ability to complete the project. 

Despite my efforts, I find myself in debt for a construction project that remains unfinished, and it appears that neither Mosaic nor XXXX are taking appropriate action of helping me. They continue to defend XXXX XXXX XXXX, which only exacerbates my frustration and financial burden. I would like my loan to be reconsidered, cancel or be negotiate it as this is unfair, unprofessional, and unethical. I dont know if its any type of fraud or people/Mosaic/XXXX are taking advantage of me and other folks. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: GA

Complaint narrative:
Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now

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 2023-12-14 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: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified several inaccuracies that require your immediate attention. Specifically, I have noticed the presence of the following erroneous collection item ( s ) attributed to XXXX XXXX XXXX XXXX, as well as inquiries from XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, and XXXX XXXX date of inquiry XX/XX/XXXX. I am formally requesting that you undertake a comprehensive verification process pertaining to this information and furnish me with copies of any documentation linked to your investigation. In the absence of substantiated verification, I insist that this erroneous information be promptly expunged from the credit file associated with my Social Security Number. 
Furthermore, I am requesting the removal of all non-account holding inquiries that have surpassed the 30-day mark, and I kindly ask for the addition of a promotional suppression to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
please note Bank of America and XXXX XXXX reported a 30 day late on my credit. This is a mistake and should be corrected. 
I was XXXX XXXX  when the late was incurred due to a baking error. 
Please see attached notorized letter and my XXXX XXXX credentials.

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 2023-12-14 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: MOHELA
State: CA

Complaint narrative:
I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted Mohela who has the loans and they said to contact XXXX XXXX XXXX which had my loans before. I never moved to Mohela that was done automatically by the gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: IL

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: GA

Complaint narrative:
NOTICED ERRORS ON CONSUMER REPORT AND MADE UPGRADE, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS AS WELL AS VIOLATING MY PRIVACY RIGHTS BY SELLING MY DATA TO COLLECTION COMPANNIES AND REPORTING UNAUTHORIZED DATA TO MY CONSUMER REPORT WITHOUT CONSENT. 

1. UPGRADE, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120- 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXXXXXX XXXX AND BEING MORE THAN 240 DAYS PAST DUE AND UNCOLLECTABLE. THE ALLEGED DEBT WAS CHARGED OFF AS OF XX/XX/, THEN SOLD TO XXXX XXXX XXXX AND THE ALLEGED DEBT IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: MD

Complaint narrative:
1 ) I have unauthorized credit inquiries XXXX XXXX on XX/XX/ i did not authorized 2 ) .XXXX  on XX/XX/ was not authorized 3 ) XXXXXXXX XXXX was not authorized

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 2023-12-14 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX  years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/ I made a new bank account at Key bank in Colorado. On XX/XX/ i fell victim to fraud when a friend of mine asked me to cash a check for them in my account. I said okay and that day my account was frozen then later terminated. I spoke to a rep over the phone she said '' things like these happen all the time, and that i should just go in and explain what happened. '' well, now Im on a hot list and trying to get off of it so i can get my direct deposit working at my job but i cant because of this fraud error Im getting. I need help in the process im supposed to take.

Company response to consumer: Closed with explanation