vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

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 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX got a loan for me from Mosaic XXXX XXXX to finance solar equipment for my house. I entered into this agreement with XXXX in XX/XX/XXXX and loan repayment is not suppossed to start until after I have started using the solar system. Mosaic started taking loan repayment from my account in XX/XX/XXXX despite the fact that the solar system is not working. Now I have been paying double for my electricity. I am paying my normal utility company, XXXX XXXX and I am servicing the loan that I haven't started benefitting from. This is completely different from what was sold to me. The main selling point of me buying the solar system is to reduce my electricity cost now I am paying double and this has put a lot of pressure on my family. I have reached out to both XXXX and Mosaic but they keep tossing me around. Mosaic kept saying they can not reach XXXX. XXXX  on their part refunded XXXX cheques for the loan repayment ( for the month of XXXX and XXXX ). XXXX made a promise that the issue will be resolved but now, I can't even reach the company representative. He has stopped answering my calls and replying to my texts. I informed XXXX  that I want to discontinue the project since they can not meet up their obligation, they told me I will pay a penalty of {$28000.00} to cancel the project. XXXX XXXX XXXX and their finance partner, Mosaic XXXX XXXX have treated me unfairly and put me and my family in financial hardship by their business practice. Even though none of this is my fault. 
Please I need your intervention. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint because I have multiples incorrect personal information on 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 2023-04-20 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: LA

Complaint narrative:
See attached!! Please be advised this is my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MO

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}, 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

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 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I pulled up my credit scores with XXXX XXXX tonight. It was noted I had a hard inquiry on my credit report with TransUnion for XXXX XXXX. It was noted the inquiry was from the dates of XX/XX/XXXX through XX/XX/2023. I have not called, applied or filled out any applications for a credit card with XXXX XXXX. I did not authorize this inquiry!

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Unfortunately, due to a hardship I fell behind on my discover card payments and was no longer able to afford the monthly amount. They have now sent this to a 3rd party collection agency ( Zwicker and Associates ) who brought me to court over the debt. I have tried numerous times to enter into a voluntary monthly payment but they will only accept a lump sum pay off. 

On XX/XX/XXXX I spoke to XXXX a rep at XXXX about my situation. Advised I could hardly afford an extra $ XXXX let alone XXXX. I once again explain the details of my hardship at which point she offers me a payment of {$34.00}. I agree. Days later I get a letter in the mail that the payment is for {$3400.00}. I call immediately on XX/XX/XXXX and XX/XX/XXXX and leave messages on my reps direct line. No one ever called back. Of course the payments dont go through cause I dont have it and now Im charged all these returned payment fees. Still no call. I finally reach out again and they told me the agreement was for that amount and was noted as such in their system. I advised thats not at all how the conversation went and asked them to send me the recording. They advised Id have to send that request via writing, so I did. They advised theyd listen to the recording. I have yet to hear back or receive the recording and prior to terminating the call I asked again if there was any reasonable voluntary arrangement. XXXX the manager said no, other than the balance in full theres not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I applied for an installment loan to consolidate my personal debts. The banker changed my application by changing the requested amount from $ XXXX to $ XXXX and adding my husband as a co-borrower. I did not want to do that, but she stated it would be in my best interest and would save me money. WE were denied and now MY credit score has taken a hard hit. I qualified for the $ XXXX. My credit score was in the acceptable range and I have 100 % of on time payments for the last XXXX  years in addition to owning my own home with no mortgage payment. I have also been with the company for over 20 years.

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 2023-04-20 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : 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 2023-04-20 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: MI

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-20 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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 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: CA

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20 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: CA

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
See attached. Please be advised this is my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-04-20 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: NV

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am items connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have unauthorized hard credit inquiries on my XXXX credit report. I contacted the XXXX creditors both by mail and phone. I also contacted XXXX both by mail and phone and they told me to seek help from this site. The creditors are as listed and unauthorized. 



Dear Credit Bureau, I noticed that my credit score has dropped. I checked my credit report and noticed multiple inquiries on my credit report. I authorized only the ones that are associated with my accounts, the rest of them were not authorized by me. I have read the Fair Credit Reporting Act, and it states that a company needs a permissible purpose to pull someones credit report. Well, I did not give the companies below that permission. 
CREDITOR : TYPE : DATE : Wells Fargo Bank NA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also sent a letter to the creditors asking them why they have pulled my credit report without my permission, and no one has responded to me. While waiting for them, I am asking you to honor the fcra law and delete these inquiries today please.

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 2023-04-20 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: TX

Complaint narrative:
i was checking my credit report and noticed many things on it that i haven't done, so i freeze my credit, filed a police report also a FTC report, and started to dispute the incorrect items, i was successful with everything until it came to Equifax, they are saying the item has come back as verified which cant be correct because if it was verified that mean i have done it and thats just not true im asking the company to show me what was used to verify that i in fact is the correct owner of the account they sent no nothing, i need proof if the person driver license, social security card, phone number, signature, mailing address, i need everything because if this account belong to be the creditor and Equifax can send this over because its already me right? this company has no respect and is not reading the dispute letter its just saying verified and pushing the problem away i know this because i am not the owner of the account that was open, my information was also leaked in the Equifax data breach, and dark web breach so im assuming thats not true either. i dont know whats going on with Equifax but my next steps is to take them to court and im going to file the paperwork tomorrow XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I just got a notification of a hard inquiry dated XX/XX/23 for THD/CBNA. I looked it up and its for Home Depot through Citi Bank. I did NOT apply for this. We dont even have a Home Depot store here. I do have a Citi credit card which I opened last year.

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 2023-04-20 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: LA

Complaint narrative:
See attached. Please be advised this is my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/Nelnet XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Please correct these accounts immediately.

Company response to consumer: Closed with explanation