vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 




15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

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 2023-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Crux Commercial Partners, LLC
State: TX

Complaint narrative:
I called XXXX XXXX Partners to apply for a loan as I did with several other Lenders. Trying to find the best rates I had applied with at least 5 lenders. Each lender had me sign something to give them permission to pull my credit report. Crux had me sign something also and I thought they were going to pull credit as well. A couple of days later they called me and asked me to provide my credit report to them through Experion, which I did even though I wondered why they didn't pull it themselves as had the others. I then found out I had been approved through XXXX XXXX XXXX XXXX with a good rate and decided to use them. When XXXX called again I told them I had decided to use XXXX XXXX XXXX XXXX. He then began to pressure me to give him the lenders information and other information regarding the loan I had procured. I was not comfortable with that I didn't tell him, but said he could give me his best and final offer. He then texted later and asked again for my lenders information, I again said that they were competitors and I was not comfortable sharing that information. He said he wanted to call them I told him not to. He apparently did his own research and found my lenders name and number and called her. He proceeded to tell her that he was working with me and that now we would all be working together. She was surprised and didn't give him any information about the loan that he asked her for. He continued to try and reach out to me for the next two days and since I was busy, I responded via text telling him once again I was choosing to go with XXXX XXXX XXXX XXXX, as he could not beat their rates and I thanked him and asked him why he had called her after I asked him not to. He then responded on text and lied saying his partner had called but she had his name..so I knew it was him. He also took credit for getting me the rate with XXXX XXXX XXXX XXXX. He then had his company send her an invoice with the copy of the paper I had signed asking her to send it to title so they could be paid at closing in the amount of {$11000.00} for a consulting fee and application fee. They did not find me a loan and I had no intention of hiring them. I feel they tricked me into signing this paper and now are trying to get me to pay them for nothing. XXXX XXXX and his partner XXXX were the people I was dealing with. I have the texts on my phone if needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion keeps sending me this dumb letter every time I mail in a Dispute. I ask Transunion to delete Inaccurate Information off my credit report, I have NO middle name I have attach my birth certificate.

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 2023-06-12 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: EQUIFAX, INC.
State: TX

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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I applied for a construction to permanent loan from Wells Fargo in XXXX when it came time for Wells Fargo to step up and convert the loan to a permanent loan, they claimed they never offered that service. A year ago they returned the origination fee a paid to get the permanent loan with a letter say since I opted to not move forward they were returning my origination fee. I had finally gotten over the fact that they forced me into bankruptcy, lied and cheated back at that time and then I get this letter. I realize many people were in a similar position and I an not the only one. I have documentation proving they had offered this service and it didn't matter. I have found over the year that Wells Fargo is an organization of extremely unethical people and it starts at what was the top back then.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all XXXX  credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the XXXX Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
Solar Mosaic LLC | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX | XXXXXXXX XXXX XXXX XXXX License XXXX Should stop money given to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am owed two months of reimbursement for XXXX for each month. XXXX XXXX stated that I was going to get reimbursed until Solar Panels are active and Solar Mosaic would not charge until Solar panels where active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Original creditor : XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00} 1. Charged {$480.00} more than the previous balance from original creditor. 

XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX XXXX had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX  XXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that XXXX  XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX  XXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, Filed bankruptcy, and liquidated all assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I received a XXXX dated XXXX Invoice Number : XXXX stating Dear Sir/Ma'am, Your annual plan of PAYPAL has been renewed for the upcoming year. It has charged {$390.00} against my registered account. They said this transaction has been don successfully and soon it will be reflected in your banking statement. As per signed document this plan will be auto renewed and the following charge will be auto deducted from your a/c. Description : BTC ORDER Quantity : XXXX XXXX XXXX : - {$390.00} Total : - {$390.00}. If you didn't authorize this charge, You have 24hrs.to Cancel & get an Instant Refund Of Your Annual Subscription, Please contact Our Customer Care : XXXX XXXX. Thanks & Regards XXXX XXXX security services, XXXX. The XXXX had the PAYPal logo at the top and bottom of this text. I contacted XXXX XXXX XXXX  XXXX XXXX and asked them if this phone number was valid for their security services, and they told me to delete this gmail and report this to FTC.gov or Ic3.gov to report it as scam. I was referred to you. I can't remember the last time I used PAYPAL. We have been hacked before on our computers, by people claiming to be XXXX XXXX technicians. I believe this is another attempt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I received an email from Experian Identity Works requesting that I " Review an Identity Notification ''. I do not click on any unsolicited emails. I went to experian.com and attempted to log in to my account. There system did not recognize my input data and there was no mechanism for a password reset. I tried the following telephone numbers in order to resolve the login issue : XXXX, XXXX, XXXX and XXXX. All XXXX telephone numbers appear to go to the same recording system. None of the prompts on any of the numbers allows you to get assistance in connecting to your account, requesting a new password or speaking to a human being. A XXXX search shows that many other people have encountered this issue.

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 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2023 at XXXX I was issued XXXX $ from XXXX company called XXXX  as a payout through PayPal. 2 years ago they did exact same thing and I just gave up because PayPal is too ashamed I suppose to want to talk to you in person. They keep taking the money this company XXXX  sends me. I seen the receipt and I have pictures. They sent the payment twice. XXXX sent it twice. XXXX said PayPal should instantaneously put it in the account. My husband has had similar problems with PayPal not telling never telling you your money is deposited and never putting funds in my account so far Ive been taken for exactly XXXX XXXX XXXX $ of it is the complaint Im filing because PayPal is notorious for money in which disappearing after working hard. They say we have no record. My husband has had same problem which he was given his money from XXXX. I seen the receipt the first and second time ivuet sent the money XXXX XXXX  is not the culprit because its other payouts too. I had them send it XXXX on XXXX XXXX and today it was reset after I reached out to the company XXXX and PayPal claims all three times the money doesnt exits. This is norm And I want accountability and I want my money that I worked for and the errors with payouts. If they are even rrrors needs to be investigated and people need reimbursement for whats theyre and not PayPals to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: NY

Complaint narrative:
I told XXXX, transition and XXXX to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate.

also they are not in compliance with metro 2 credit reporting.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I told XXXXXXXX XXXX and Equifax to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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:
I told Experian, XXXX and XXXX to investigate this account XXXX  XXXX XXXX Date opened XX/XX/2013 however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.

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