vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-07-28 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: TX

Complaint narrative:
Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
I have had Mosaic as my lender since XXXX for my solar array attached to my house in XXXX XXXXXXXX, CO. I am currently in the process of selling the home, as a result of a lawsuit, and require the loan to be paid or refinanced by the purchasing party. I have contact Mosaic on numerous occasions. Just recently I spoke with 2 people and had two different email exchanges on XX/XX/XXXX. Now I have just spoke with another representative today XX/XX/XXXX after getting an email yesterday ( XX/XX/XXXX ) asking for information about the buyout, of which I do not have. Now, evening on XX/XX/XXXX they are asking me to fill out an online form for the requested information I have already sent them twice. It is also information that they need to get from the purchaser, not me.

On all three occasions they have all told me the same thing. You simply need to authorize the purchaser and they can do all the work. Each and every time they come back to me for more information that I do not have. Moreover, their cookie cutter emails have contact information that is no longer working and I get an automated response about when I follow their instructions. 

Closing for this house supposed to be Tuesday XX/XX/XXXX and we continue to be delayed by Mosaic, who can not keep track of my loan or the purchaser or the information I have already provided them with. It has delayed the closing the cost me more attorney fees.

Furthermore, they locked me out of my online account since I am not going to be paying the loan any longer, I have request a copy of my original loan agreement TWICE and they still have not sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character???

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, 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 2022-07-28 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: GA

Complaint narrative:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is 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 non-monetary relief
Consumer complaint received 2022-07-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2022 at XXXX, an employee at Marshall 's asked if I wanted to sign up for their " rewards program '' saying that I would get a 10 % discount on today 's purchase and 5 % cash back every time I make a purchase at XXXX XXXX XXXX XXXX XXXX XXXX. She did not disclose that I was signing up for a credit card or that a credit check would be disclosed. I only found out about the hard inquiry after receiving an email that they viewed my credit report. I am now filing a dispute as she was intentionally misleading me into applying for their rewards card, when in reality it was a credit card. I have contacted Synchrony Financial and they said that they will be sending me a letter asking for further steps if I wish to continue with the application and to disregard the mail if I wish to cancel the application.

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: HI

Complaint narrative:
So I have recently tried to open a checking 's account with Axos Bank and have already called their customer service to have my application cancelled which of course means I have already been denied an account with them as I wanted to do my banking somewhere else. However, I would like Axos Bank to remove me from XXXX so that it doesn't show up on my report and their customer service didn't know what I meant when I tried asking them to have me removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Back in 2017, I used to have a credit card through PenFed. I was unable to make payments so I stopped paying on it. 

Over the next few years, PenFed eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " XXXX XXXX, XXXX '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for XXXX  ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a store credit card from childrens place I have had for years I rarely use so I usually have a XXXX balance. So knew something was wrong when I got mail from them last week. With two charges, on XX/XX/22 Purchase for XXXX and on XX/XX/22 a purchase for XXXX. 
I immediately called childrens place and they transferred me to comenity bank, they claim they will do an investigation and send me something in the mail. I havent received anything from them. Then I checked complaints online, apparently Im not the only account that has gotten charged without my knowledge. And I waited for an hour just to speak to someone on the phone I have called 3 times. They cant tell me where my card was used or what was bought.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
There was a clear violation of regulation F that regulated the frequency of call during a week. Just today I have been called over 7 times. I have tried to contact this company several times but numbers that call do not work. When the call they do not have a person answer the call ; there are times when the call is connected but one answer. 
The collection practices are unethical. The action that occurred on XX/XX/2022 violated Texas Law, TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION. Sec. 392.302. HARASSMENT ; ABUSE, ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: GA

Complaint narrative:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is 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 non-monetary relief
Consumer complaint received 2022-07-29 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: GA

Complaint narrative:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and Aidvantage. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX  and AIDVANTAGE furnished inaccurate and damaging information to my consumer credit report XXXX XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RC Willey
State: NV

Complaint narrative:
On XX/XX/2022, I purchased carpet and installation services from RC Willey XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX. I was notified that in order to book the installation date I would have to pay the entire cost up front ( {$4000.00} ) or make a 50 % deposit of the entire cost. 
I opted to make the 50 % deposit which amounted to {$2000.00}. At no point in time was I informed verbally or in writing that a 2.6 % fee would be added to the total amount afterwards. No where in the Flooring agreement and promissory note that I signed on XX/XX/XXXX does it state a 2.6 % fee would be added to the installation if I used my credit card for payment. 
When I returned to complete payment on XXXX, I was expecting to owe the exact 50 % balance I was told I owed. RC Willey decided to add the 2.6 % fee surreptitiously but I noticed the difference and inquired why did the cost increase? There was really no good answer. 
I believe this constitutes deceptive and misleading sales practice. Whenever I have conducted business with any company that accepted credit cards for payment, this charge was clearly and openly disclosed beforehand. This did not happen in my case.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

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 2022-07-29 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: MI

Complaint narrative:
I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from XXXX, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U. S. C.1618 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 explanation