vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My husband and I financed through Mosaic for a Home Improvement Contract with a General Contractor. The loan is in my husbands name. We were approved for a $ XXXX line of credit. The contract we signed with the contractor was for {$23000.00} and we gave them a {$1000.00} cash deposit leaving the balance of the loan a total of {$22000.00}. On XX/XX/XXXX we received an email that Mosaic had issued a payment to the contractor for {$12000.00} which was almost 54 % of the total and the contractor didn't even start the job until XX/XX/XXXX. California Code, Business and Professions Code - XXXX XXXX says : " IT IS AGAINST THE LAW FOR A CONTRACTOR TO COLLECT PAYMENT FOR WORK NOT YET COMPLETED, OR FOR MATERIALS NOT YET DELIVERED. HOWEVER, A CONTRACTOR MAY REQUIRE A DOWNPAYMENT. THE DOWNPAYMENT MAY NOT EXCEED {$1000.00} OR 10 PERCENT OF THE CONTRACT PRICE, WHICHEVER IS LESS. 
After 10 days of working on my house. The contractor abandoned the job on XX/XX/XXXX and refused to fix the substandard work. I called Mosaic and told them not to make any additional payments to the contractor and asked why they paid them so much in advance and they said it was standard that they pay the contractors 30 % upfront.. I called them many times over the next several weeks and they hung up on me multiple times and kept telling me my case was with a different department and they would get back to me in a few days and never got back to me. On XXXX I spoke with someone about cancelling the loan. The representative told me they would have to contact the contractor first. I asked what happens if the contractor does not agree to cancel the loan and she told me they would reach out to me for more details and do their own internal investigation. On XX/XX/XXXX I received an email saying " We received a response to your cancellation request from XXXX XXXX. They have informed us that your project will continue. Mosaic will close this cancellation case and will continue with the current loan. '' The bank has been very difficult to deal with and is more interested in protecting the substandard contractor than helping the consumer because this is the way they make their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
I was scammed out of {$3500.00} through XXXX by a person representing US Bank. This occurred XX/XX/2022. I have contacted US Bank with zero help and have read that most banks now are not issuing refunds for 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 2022-08-10 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:
Transunion : you violated my rights { 1 } did not remove account while under investigation { by law you had to } { 2 } reporting verified with inaccurate information { past Due } { 3 } collection can not report as open account } because you verified as accurate validate this account Your name and contact information, Your employ ID #, who you talked to what was said { in Detail both parties verify this account as accurate their name and contact information the time and date, any associates that you talked to their names contact information, time and date .their employ ID # copy of original contact with my signature { not a letter from XXXX XXXX a copy of original contract from XXXX XXXX with my signature, who is the original creditor on this account their contact information because that to is { fraud } the account states XXXX under15U.S.C. 1602 { f } my social Security card was used in this account that make me the original owner with full power over this account credit the term credit means { the right granted by the creditor to a debtor to derfer payment to incur debt and offer its payments NO WHERE DOES IT STATE A DEBTOR IS THE ORINGINAL CREDITOR 15U.S.C.1611 { c } false or inaccurate information YOU 15U.S.C.1681 { a } { 2 } in accordance with the written instruction of the consumer to whom it relates 15U.S.C.1692 { c } with out prior written consent of the consumer this will be forward to the XXXX  and my attorney if need be theirs a lot of violations 30 day from this date by law

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Two accounts were opened and used to make and receive fraudulant transactions. 

XXXX XXXX about {$700.00} XXXX XXXX  XXXX about {$90.00} My identifying information was stolen by XXXX XXXX and XXXX XXXX who were both convicted of Fraud and Theft. They assumed my identity to open accounts and make payments as if they were me.

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 2022-08-10 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: GA

Complaint narrative:
Per the Fair Credit Reporting Act, Equifax , Inc 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 : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
THIS IS RIDICULOUS!!! This account is unknown to me. Why is this showing up on my credit report? I need confirmation of this account! This account is not bound by a contract. You will be sued for the stress you've caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXXXXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Portfolio Recovery Associates violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of {$460.00}. 
I am demanding Portfolio Recovery Associates to send me a forward flow agreement which will be all the information needed to determine if they have the legal right to collect on this account that XXXX XXXX XXXX XXXX charged off. Portfolio is furnishing information on a debt was charged off with the intent to coerce payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: IN

Complaint narrative:
So, on XX/XX/2022, I mailed letters to XXXX, XXXX, and TransUnion. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.

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 2022-08-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
So, on XX/XX/2022, I mailed letters to Equifax, XXXX, and XXXX. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Flagstar ( www.flagstar.com ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by Flagstar on XX/XX/2022 ). Despite me providing proof of payment to Flagstar by Email on XX/XX/2022, XXXX XXXX  EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), Flagstar still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.

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 2022-08-10 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: PA

Complaint narrative:
XXXX is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with XXXX hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in XXXX hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon XXXX I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to 15 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.

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 2022-08-10 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: PA

Complaint narrative:
XXXX is in direct violation of my CONSUMER RIGHTS! On numerous occasion I've spoken with representatives to have inaccurate accounts removed. I spoke with XXXX and she informed me the items would be removed with XXXX hours. That was not the case so I called back and spoke with XXXX who reassured me the itms would be removed in XXXX hours. To date the inaccurate accounts are still on my Consumer File. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX closed Credit Card acct ending in XXXX. 
In light of recent investigations brought upon XXXX I find that my consumer file is being irresponsibly tampered with. I've made several attempts to remind their company of your duty pursuant to 15 usc 1681. It appears they're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( b ) assures that I am due, promised accuracy in my report based on Federal Law. 15 usc 1681 c ( 2 ) BLOCK of information resulting from Identity theft is my RIGHT AS A CONSUMER. Reporting of these inaccuracies is hindering my HOUSE BUYING process.

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 2022-08-10 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: CA

Complaint narrative:
On XX/XX/2022, XXXX XXXX, chairwoman of the House XXXX XXXX XXXX, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 
( https : XXXX ) In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2022, I notified the financial institution of an unauthorized ( erroneously ) charged merchant transaction. ( XXXX Consumer Credit Card ) The financial institution opened the dispute under the following case number. ( case number : XXXX ). 
However, the financial institution violated and failed to comply with 1005.11 ( c ) ) ii ) ( Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ) code of the Federal Regulations, and the financial institution 's behavior established an Unfair Business Practice and caused the customer a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Transform Credit Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I received a credit inquiry from Transform Credit , Inc and a new address on my credit report : XXXX XXXX XXXX, XXXX, GA. This is my sister 's address and not mine. The report says that there was new address activity on my report which was this address. I tried to contact the company and they only texted me. I have also emailed them with no response. I am still unable to tell who attempted to use my credit. I have a credit inquiry and new address on my credit report that is not mine. I have frozen my credit reports and filed a police report but I need an investigation into this matter as I plan to press charges. Please assist me in this investigation if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, GM FINANCIAL has violated my rights. Regarding alleged accounts # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( 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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have not received any correspondence to my address or phone calls. 

I spoke on XX/XX/XXXX with a Representative. They sent me a letter on XXXX the first notice, and They sent the letter to the wrong address. After someone who wasn't me called. They mention that they had left many voicemails but based on the Collection Act, once they leave one voicemail, they can not contact me ; I am not sure if that's how it works. They sent me only one communication for the file reported in XXXX, and that has been the only attempt, but they keep reporting me to the XXXX. 
I am disputing the account numbers below. 

XXXX XXXX XXXX I am requesting validation made according to the Fair Debt Collection The Practices Act, the Fair Credit Reporting Act, and local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation