vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Solar Mosaic and their partner XXXX XXXX agreed to install solar panels on my house in XX/XX/XXXX for approximately {$130000.00}. XXXX installed panels on XX/XX/XXXX but never connected them or finalized the permit process. XXXX sent a fraudulent permit to operate to Mosaic in XXXX of XXXX. My electrical provider confirmed that no such permit was issued. Mosaic released all funds to the contractor without verifying with me that the work was complete. Contractor has not finished job and the XXXX XXXXXXXX XXXX is in the process of revoking their license. I have opened multiple complaints with Mosaic and then all have been closed without resolution. On XX/XX/XXXX I received an email that I had the option to request cancelation of the loan. Which I did. I spoke on the phone with one of their representatives on XX/XX/XXXX and XX/XX/XXXX and was told that because of my situation I was eligible for cancellation and that I would receive follow up via email. The only follow up I have received is Mosaic hounding me for money because I have not made any payments towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on a matter of significant concern regarding an inaccurate negative entry on my credit report, which has yet to be resolved despite my previous attempts to address it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am in trying to utilize my XXXX XXXX XXXX, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my XXXX and XXXXXXXX XXXX. 
I need help removing the comments from : XXXX XXXX XXXX and XXXXXXXX XXXX accounts showing on my credit reports. 

I have been trying since March to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a retired XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 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 explanation
Consumer complaint received 2024-06-25 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: TN

Complaint narrative:
Upon review of my consumer report with Experian, I noticed multiple inquires I myself did not authorize. Please block and remove the following unauthorized information because they violate the FCRA 15 USC 1681b ( a ) ( 2 ) : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> there are unauthorized addresses being reported : 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 XXXXXXXX. Inaccurate name : " 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 2024-06-25 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have not used the Cabela 's card since XXXX. 

Transactions on Cabela 's statement which I did not make have not been explained. Instead the account has been sent to multiple collection agencies. Each time I get a notice I call and ask for the details behind the transactions- such as what was purchased, by whom, and where it was sent to, who made the payment and the online credit. This has not been provided. I requested this in writing each time also. 

Transactions include : XXXX. Previous balance XX/XX/XXXX {$47.00} ; Payment XX/XX/XXXX {$47.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$39.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$440.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} TOTAL online purchases- {$650.00} XXXX. Cabela 's online credit XX/XX/XXXX {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TomoCredit Inc.
State: AL

Complaint narrative:
I signed up to TomoBoost unaware of what this was. I initially signed up to what I thought was TomoCredit, for the small actual credit line they offered. That is apparently no longer a legitimate service, but still have the website up to sign up for. 
After signing up for TomoCredit on the tomocredit.com website ( which I had had before, and used legitimately a couple years ago ), now they redirect your sign up to TomoBoost which is a subscription monthly service provided for them to somehow LIE and submit false information to the credit bureaus to report that you have a {$1000.00} or {$30000.00} credit line. Which you DO NOT and is unethical. 
Had I not been redirected, I would not have signed up. I was charged {$14.00}, but charges and offers of credit reporting go up to $ XXXX for their service of lying. 
Originally sent XXXX email XX/XX/2024 request for my account to be closed to both email addresses XXXX and to XXXX. 
First response was for feedback on why I was considering closing my account with no response to me asking again to close it and that I had no feedback to give. 
I have sent an email on XX/XX/XXXX, formally requesting my account be cancelled and closed. Received a message reply asking for feedback and sorry that I was Considering closing my account. 
Sent another email today XXXX XXXX revoking any and all banking, charges, access to personal information including any and all bank information and access to my personal credit reports and AGAIN requesting account closure. 
Have received the same response. 
There is no way to remove personal information from their website from your settings, nor any of your bank account information, not to mention they have your Social Security number. 
There is NO way to cancel your membership and NO phone number to customer service, which I feel would not be of help anyway. 

This company needs to be shut down immediately! Unethical Credit Reporting, and Consumer Rights Abuse!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a letter from Citibank for a XXXX XXXX card that was addressed to the Estate of my name. I am not XXXX and by the XXXX XXXX XXXXXXXX hope not to meet my maker for a while. This is XXXX and wreaks of fraud or incompetence. 

I called Citibank and XXXX XXXX to no avail as they said Citibank sent the information to them ( XXXX XXXX ) which is a agency set up to collect from an estate on XXXX. They pointed me back to Citibank. 

WHEN REVIEWING CARD IT IS UNDER XXXX which is part of my hypen nated name I called and spoke to XXXX badge number XXXX. She has no idea where or why this was sent nor where it was generated from. Thus, I don't believe this to be true as it has to have originated somewhere for some reason. This is fraudulent and deceptive behavior and needs to stop with a full explanation of how this happened. The card was open and paid on and the only thing that did happen was a decrease of {$100.00} in limit from their end. I want this corrected with an explanation and an apology and off the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a medical emergency around XX/XX/2024. My Citi credit card was set to auto pay for the minimum payment. In late XXXX, I think around XX/XX/XXXX, while I was in the hospital, I changed my auto pay amount to {$0.00} to make sure my bank wasn't overdrawn. 

On XX/XX/2024, Citi correctly took a {$0.00} auto payment. But then on XX/XX/2024, Citi took an auto payment of {$850.00} and caused my bank account to be overdrawn. 

I never authorized that auto payment. I changed my auto pay to {$0.00} and never changed it back. Citi did not have my permission to take more than {$0.00} out of my bank account.

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