vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
XXXX Solar Mosaic , Inc. numerous times with no resolution XXXX. ) Solar Mosaic , IncXXXX paid out the 40 % installment on my loan ( {$8800.00} ) to XXXX XXXX for installing solar panels on XX/XX/XXXX, before the work was inspected by the city ( Inspection Date XX/XX/XXXX, XXXX it did not pass ) and before I approved the payment. 
XXXX. ) The solar company, XXXX XXXX, effectively but not officially, went out of business after Mosaic gave them {$8800.00} from my loan but before the rough or final inspections passed by the city. 
XXXX. ) The evidence for XXXX XXXX going out of business is they did not return my calls or emails starting on XX/XX/XXXX and continuing to today, XXXX, XXXX, XXXX. Now when calling the numbers provided to me by Mosaic ( XXXX or at their previous number, XXXX ), I get this number is no longer in service. XXXX also states XXXX XXXX is permanently closed. 
XXXX. ) I have contacted Mosaic numerous times starting on XX/XX/XXXX, for which they open a case number but then close it without any resolution. ( Complaint cases # XXXX, XXXX and XXXX ). When I called Mosaic on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Mosaic said a specialist will call me within 2 days but I never get a phone call. 
XXXX. ) Since I do not have Permission To Operate ( PTO ) and the company XXXX XXXX is effectively out of business, I am currently asking Mosaic for XXXX things : XXXX. ) To allow me to use the final 10 % payment ( {$2200.00} ) to pay another solar company to get the solar system to PTO to make the panels operational. 
XXXX. ) To give me the photos and documents that permitted them to pay {$8800.00} to XXXX XXXX for installing the panels. I need these photos for the city inspectors to pass the rough inspection. They say it is not their policy to give out these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: AL

Complaint narrative:
I have been requesting the method of verification from TransUnion since XX/XX/XXXX and they havent complied. I have been receiving generic letters and the latest XXXX XX/XX/XXXX states it was verified. Per the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request which has not happened. This is my 2nd complaint on them

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 2022-12-08 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 181 SECTION 682 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report furnish an account without my written instructions.

15 6SC 1666B : A creditor may not treat a payment on a credit card account 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 2022-12-08 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: PA

Complaint narrative:
Account Name : 1.XXXX XXXX XXXX XXXX Account # XXXX, XXXX, Amount : {$4700.00} 2. US DOE/XXXX : Account # XXXX, XXXX, Amount : {$140000.00}, 15 U.S.C 1681 section 602 A. States I have a 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 with 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 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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: MS

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Summary : - Crimes Committed by Scammers : Extortion, Impersonating cop, XXXX XXXX. 
- On XX/XX/22 at XXXX XXXX I received phone calls from people who were impersonating XXXX and XXXX. They threatened to arrest me for money laundering unless I paid them money. I was extorted for a total of {$17000.00} They spoofed their phone numbers to be part of the NYPD and ice.gov ( XXXX, XXXX ) and accused me of money laundering with an account associated with XXXX XXXX  in Minnesota. I initially hung up on the person claiming to be from XXXX but hXXXX instantly called me back and aggressively asked me why saying it was an urgent matter. Immediately right after, someone from the XXXX called me about the same issue, and that's when I started to doubt and worry about my situation. 

They said they would issue an arrest warrant if I didnt comply with their investigation and send them money ( a bond amount ). They constantly switched between calls. 
The person claiming to be from XXXX stated his name was XXXX XXXX. He made me read forms on ice.gov and said I could not tell anyone about the investigation. 

They sent various emails from XXXX to prove the legitimacy of their claims. They made me screen share my bank transactions on my phone, send them a picture of my driver 's license ( front only ), asked for people to refer to, and send them money through various mobile apps ( XXXX, XXXX Zelle, XXXX XXXX XXXXXXXX Zelle ) and through a wire transfer from XXXX XXXX XXXX. 

I sent them : {$9500.00} via wire transfer from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} from XXXX {$2000.00} from XXXX Zelle {$2500.00} from XXXX XXXX  XXXX Zelle {$950.00} froXXXX XXXX XXXX XXXX Zelle XXXX, in total, I sent : {$17000.00} on XX/XX/22 After my payments, he sent an email with a photo of a check, saying it was a refund for the bond and XXXX fees. 
I asked if we were done and If I was safe from jail. He said I was innocent. He told me what I need to do now that I was clear. No social media, no telling anyone for 24 hours. They told me to update them on what I am doing every hour. Unless I was sleeping, then I need to say I am sleeping. He said the next day the cops will come and look at my documents. 

I already filed claims to all platforms from which I sent money. XXXX was able to refund me, but XXXX Zelle denied my claim, so I wont be receiving my {$2000.00} back. As foXXXX XXXX XXXX XXXX XXXX Zelle and Wire transfer claims, they are still being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: STATE EMPLOYEES CREDIT UNION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act State Employees Credit Union has violated my rights regarding credit card account ending in XXXX. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This is a complaint against XXXX  and PayPal Credit located at XXXX  and PayPal Credit XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX PayPal Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear XXXX  and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. 

Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a United States-based address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. 

I dont need to say anything else except not to send me any further communication or billing in regards. 
Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted XXXX, XXXX, TransUnion, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.

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 2022-12-08 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 — Investigation took more than 30 days
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. 

I contacted Equifax, XXXX and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX : Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions 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. 

I contacted XXXX, Experian and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX Veteran with several XXXX, My Wife is a XXXX XXXX XXXXr. Our house was heavily damaged from Hurricane Ida. We are still doing repairs to our house. We had some Money in our account for these repairs from XXXX XXXX XXXX XXXX. I was contacted by an Male who stated by E-mails, Text Messages and Phone Call that he was from JP Morgan Chase Bank Fraud Department. I told him i didn't know him from XXXX to XXXX because he called me and that if he was a Real Chase Bank Employee. This Man gave me more information about my account than that of which i knew. He Stopped Two Transfers and the Last on was for {$18000.00} USD and i could not stop this one so he tried to walk me through it ... I then changed my Username and Password and hung up on him to get chase to stop this transaction and put a hold on my account until which time i could better secure this account or start another account. They advised they could not stop it and restricted my account on XX/XX/2022 with in five minutes of the transaction appearing on my account. After contacting Chase Branch Manager and Fraud Dept Supervisor they advised i told the teller i gave him the code on a recorded line. They Declined my claim and would not take an appeal. I can not afford on XXXX pay to finish the repairs and we were now in a bind. I don't know what else to do, i am very scared and i am about to give up. I filed a Police Report the same day, this is wrong.. i didn't know what to do, i didn't intentionally give anyone information on my account to scam the bank. Please Help Me, I have already been taken advantage by several contractors since the storm and now i have to try and finish the repairs myself, I have XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and turn XXXX this saturday and my wife is XXXX XXXX XXXX XXXX  of 37 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: PA

Complaint narrative:
Account XXXX : XXXX XXXX XXXX : Account XXXX XXXXXXXX, XXXX, Amount : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/2011, Amount : {$1000.00} Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a 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 with 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 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 2022-12-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act the following companies have violated my rights.
LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
15USC 1681 section 602 A states I have the right to privacy.
15USC 1681 section 604 A section 2, I also States a consumer reporting agency cannot 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