vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: MD

Complaint narrative:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. 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. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the inaccurate reporting of late payments on my credit report by CarMax, which I believe is in violation of the laws enacted to prevent such reporting during the XXXX crisis. 

I have been a responsible customer of CarMax for several years, and my payment history has consistently been in good standing. However, I recently discovered that CarMax has inaccurately reported late payments on my credit report, adversely affecting my XXXX XXXX and financial well-being. 

It has come to my attention that during the XXXX pandemic, various federal and state regulations were put in place to protect consumers from unjust credit reporting practices, particularly related to late payments resulting from pandemic-related hardships. CarMax 's inaccurate reporting not only harms my credit but also appears to disregard these protective measures. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against CarMax for their alleged violation of credit reporting laws during the XXXX crisis. Furthermore, I request that you instruct CarMax to remove all late payments from my credit report, rectifying the damage done to my XXXX XXXX and financial stability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: GA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
Mosaic Loan and XXXX XXXX ( solar company ) Loan Amt : XXXX at 3.9 % interest. 
XX/XX/ Solar sales person named XXXX did his sales pitch and was advised that we have 2 weeks to cancel and may disregard whatever is in the contract because he has control over it and can extend to 2 weeks. Applied for loan and solar and schedule an roof inspection on XXXX XXXX roof inspection was done ; I clarified with XXXX if battery is included in the quote for which is not and only XXXX will be installed instead of XXXX. 
XXXX, I cancelled XXXX XXXX for cancellation ; I found out that there are only 3 days to cancel. 
XX/XX/ emailed XXXX XXXX because there is no confirmation and email mosaic Loan that project will not push through. 
( Couple of phone calls are made every week on this period and XXXX XXXX promised that they will cancel but it takes 30-60 days for it to be cancelled, Mosaic Loan would not acknowledge unless they received a communication from XXXX XXXX that the loan is cancelled. ) XX/XX/ Mosaic Loan sent an email that XXXX XXXX informed them that the solar project will continue. I called Mosaic Loan and I found out that on XX/XX/ Mosaic Loan Released a fund to XXXX XXXX  without informing me. Mosaic Loan said that they have a voice recording of " welcome call '' that confirms my identity and acknowledging my loan. I checked XXXX XXXX XXXX call history but no call was made in my phone number aside from personal and work numbers. XXXX XXXX refuses to coordinate at this point. Hence, I have a loan with no solar panels. To whom they find the voice recording of my name without their phone number registered in XXXX XXXX XXXX call history is fraud. 
In the contract, it is stated that I can cancel even after cooling off period ( 3 days ) but need to pay for whatever was done. In my case, only roof inspection was done which is a preliminary process if my roof is qualified for solar. I understand that they need funds in order to start with the project. However, to release a fund before roof inspection is done is unacceptable. What if my roof is not qualified?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

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 2023-09-02 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: GA

Complaint narrative:
I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.

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 2023-09-02 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: GA

Complaint narrative:
I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: NC

Complaint narrative:
Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.

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 2023-09-02 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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 othe
r 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 non-monetary relief
Consumer complaint received 2023-09-02 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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-09-02 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: GA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I'm purple XXXX XXXX Veteran and on daily anxiety medication so when I bought my home people constantly came offering products. One man came and I signed for home security because I needed to have protection and the same man came talking about panels I didn't understand completely I signed again it was mistake. The company came out and put solar rods on my roof and left panels against my home for weeks and I told them I'm not accepting this service it was wrong and the way they did my new home was unacceptable. They think they can force me to have solar panels and refuse to take me to court because they know I'm XXXX and on fixed government income so they're trying to do debt collection which I can't be garnished anyway. They refuse to remove the rods off my roof and they have been there over a year on my new home and the damage is more then what they think I will pay to have them removed so it's been a stressful problem and the XXXX has been on me about this so XXXX XXXX will not receive any payment because I was scammed into signing something because the man knew how I lived and took advantage of my XXXX to get me to sign something besides security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because i am a victim of identity theft. Please delete these items immediately XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX These accounts should not be furnished on my consumer report as they are in violation under, 15 U.s Code 1681b- Permissible purposes of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written instructions to report anything on my consumer report which violates my rights. No Consent is identity theft. As a consumer i am demanding the deletion of the accounts listed immediately

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 2023-09-02 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: GA

Complaint narrative:
I previously disputed accounts with Experian, XXXX and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

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 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023, XXXX XXXX paid his Capital One Venture card ending in XXXX. The payment is ordinary for his account, generally at the beginning of the month he pays his balance. The balance of {$1000.00} was paid in full and withdrawn from my associated bank account. 
On XX/XX/2023 XXXX XXXX attempted to use his card and was told that it is declined. To much chagrin, XXXX contacted Capital One where they aggressively indicated they can hold my account for 10 days to verify payment. I dont see how this is legally acceptable if my payment has cleared from my associated bank. Managers at capital one were aggressive and rude essentially questioning whether I had the money to make a payment. I have never been late on a payment for them and all of my payments come directly from the same associated bank account ( XXXX ). I have bills that rely on this account and I would not have made my payment 10 days early had I known i would not have access to any money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
A debt validation Letter along with a copy of my credit report was sent on XXXX XX/XX/ to Acima Digital, which Acima received on XXXX XXXX XXXX The debt validation letter is attached. I received a response from Acima on XXXXXXXX XXXX XXXX, stating that the dispute was frivolous or irrelevant and the determination was that I did not provide sufficient information to investigate the disputed information. The additional information that they requested was sufficient information to identify the account. I have never done business with this company nor know who this company is. How can they legally just say that I owe this money, without providing me proof that I had a financial agreement, as well as they need more information that I do not have? They have my name and address along with the only information that I have pertaining to this account is a partial account number, that is printed on my credit report. How many people with my first and last name have an account and or lease number with the same numbers in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: LA

Complaint narrative:
This collection was reported TWICE on my account. I went from having no collections to one popping up. the information is incorrect and the dates are all over the place! 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Closed. {$310.00} written off. 

UNIFUND CCR LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation