vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: 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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF ED/XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I sent a letter through USPS on XXXX, 2023 and never received a response from the creditor. Debt has never been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: 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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF EDXXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am writing to bring to your attention a serious matter involving the unauthorized disclosure of my personal information. I recently became aware that Wakefield and Associates sent confidential information about my account to a phone number that does not belong to me. Wakefield and associates has sent text messages to a prior number that is my ex significant other now number. This incident raises significant concerns about the handling of my private data and constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Some one used my td bank secure card to make unauthorized purchases. I disputed the charges but was still charged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: MI

Complaint narrative:
DELETE XXXX XXXX ACCOUNT DELETE XXXX XXXX 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I havent used this card in months My minimum payment have been increasing Each month and never been late @ until now because They stated I paid less then what was required, but paid on time.

This is insane, Im requesting this credit card company be investigated totally.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In XX/XX/2023 I checked my credit report and noticed an account listed there which was not mine. Someone else with the name XXXX XXXX is an authorized user on an XXXX XXXX and this account has been incorrectly associated with me. 

I submitted a dispute with Experian and XXXX. XXXX correctly realized their error and disassociated the account but Experian foolishly confirmed it as accurate.

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 2023-11-28 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: TN

Complaint narrative:
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 has violated my rights.

15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Validation for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX COLLECTION NAME : XXXX XXXX XXXXXXXX XXXX Last XXXX of XXXX : XXXX Account # XXXX : XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay. But a notice to request validation Under the Fair Debt Collections Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised I am not requesting a verification I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and address of alleged creditor : Name on file of alleged debtor : Alleged account # : Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable ; Date of original charge off or delinquency : Copy of youre contract and any amendments as this will show the terms of the Conditions so I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged medical debt because I need to see all charges, payments, credits, etc. to compare this with the contract and see if the amount you are claiming is correct : Was this debt assigned to a debt collector or purchased? 
Purchased agreement if the debt was purchased so that I can see if you really own this del Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : If your office fails to respond to this validation request within 30 days from the date of your receipt, references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Below is the letter I sent them : XX/XX/2023 Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I recently received a letter denying a credit card ( copy enclosed ). The reason for said denial was as a result of information you received from XXXX. That information indicated I have an identity theft risk. Also, enclosed is a copy of the page from XXXX indicatingXXXX under Address Match & Potential Fraud Alert. 

It appears your decision to deny the XXXX credit card, which by the way, I do not want, was inconsistent with XXXX report. As such, I have no complaint with XXXX. 

I believe my credit rating has been negatively affected by this contradictory information and am requesting an explanation and correction to my credit records. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/23, I deposited a check for {$1800.00} via Citibank Mobile Check deposit. I received an email confirming the deposit and saying I would receive more information about the status of my deposit shortly, but I never received any other communication. On the evening of XX/XX/23, I chatted with a citi rep via online chat and was told my funds would be available XX/XX/23. This rep also told me I would be informed of any delays via writing. On the morning of XX/XX/23, my funds were not available and I was told there was an additional delay placed on the deposit. I spoke with 2 Citi CSRs, the Citi Technical Suport dept, then finally Citi XXXX XXXX -- I told them in no uncertain terms I wanted a copy of the notice I should have received informing me that my funds availability was delayed. XXXX called me back about 1 hour later and informed me that there is an ongoing issue where required notices are not being mailed to Citi customers, and that while he apologized there is nothing he can do and there was no way I could receive a notice in writing about the delay on the funds from my deposit. He then hung up on me. The terms and conditions of my account state that " Our general policy is to make funds from any type of check deposit available to you no later than the first Business Day after the day of your deposit. '' The terms further state " If we decide to place a longer delay at the time you make a deposit, you will be provided a notice that lets you know when your funds will become available to you. If your deposit is not made with a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by the next Business Day. " It is UNACCEPTABLE for XXXX to state that I can not receive a copy of the notice the terms & conditions of my account state that I will receive.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom This May Concern : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an Equifax Breach ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the Equifax Breach ( see attachment ). All 3 credit bureaus Equifax, XXXX and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
XXXX Mosaic allowed solar company to pull a draw to purchase equipment on XX/XX/XXXX. XXXX XXXX, has not had equipment multiple times for complete installation. Only have a few times the solar panels, no back up batteries ( XXXX ), sub panel ready. Workers showed up with only a few of the panels. I would not let them install because the work was so delayed and back up batteries were on back order as of XX/XX/XXXX. 
XXXX contacted Mosaic and XXXX XXXX multiple times with resolution. 
>> Contacted XX/XX/XXXX stating ready to install however, i have over XXXX interest for equipment at this point never installed. 
>> I reached out to XXXX XXXX by email with no response or follow up regarding concerns and resolution. Failure to install, missing permits, XXXX approval not verified. 
>> loan no XXXX >> installer showed up without all the equipment ; only had solar panels, not able to put online, no back up batteries for sub panel. Email XX/XX/XXXX completely misrepresented on XX/XX/XXXX >> permit was not filed until XXXX >> per loan documents. Freedom shouldnt have pulled over XXXX on XX/XX/XXXX for equip when it was not within 90 days away from installation and was not utilized to purchase equipment until recently. The permits have not been issued by the XXXX XXXX XXXX XXXX ; nor an approval from XXXX. Freedom is not supposed to pulling money from my line credit until 90 days prior to installation this is now 5 months and counting. If I have to file a complaint with Truth N Lending Act ( TILA ) and Consumer Credit Report act I will. As a VA and FHA government mortgage underwriter I am very familiar with lending laws as it is my responsibility as an underwriter to adhere to these laws whether it be consumer law or mortgage law. I worked for the largest solar lender XXXX and definitely know this is not okay to pull from customer line of credit 5 months prior to installation and make the customer responsible for interest and payments without product delivery. 
Laws and Regulations Truth in Lending Act Part 1026 Truth in Lending ( Regulation Z ) ( ecfr.gov ) provides access to the XXXX XXXX XXXX XXXX ( CFPB ) Regulation Z Truth in Lending... 
Credit Cards... 
Small Dollar Lending... 
Fair Debt Collection Practices Act...

Company response to consumer: Closed with explanation