vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with XXXX, Equifax, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX for misreporting an installment loan as revolving credit on my credit reports with Experian, XXXX, and XXXX. The account in question is for a water system and functions as an installment loan, not a credit card. 

Despite contacting the creditor, they have refused to correct the classification of this loan and continue to insist it should be reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively affecting my credit score.

I believe this misclassification violates the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus are not ensuring maximum accuracy by reporting an installment loan as a credit card.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : The creditor has not fulfilled their obligation to provide accurate information to the credit bureaus.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. If this account is not corrected within this timeframe, I request that it be permanently removed from my credit report as it is currently inaccurate and harmful to my credit standing. 

I kindly request that the CFPB investigate this matter and require the creditor to correct the account classification or remove the account entirely from my credit report if the correction is not made within the legal timeframe. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, lett
ers, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include ema
ils, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Mohela sent me an email in XXXX letting me know my account was transitioning to a new platform. The email said to leave my auto-debit on, and my XXXX payment would be deducted as normal. I would have no access to the account until the transition was complete. 

On XX/XX/XXXX I received an email stating that the transition was complete and I could set up my new account. I did that, and saw that my XXXX payment had not been taken even though I followed all directions from their XXXX email. I also noticed that my account was in an administrative forbearance and no payment was due for XXXX or XXXX. 

I called several times in XXXX, XXXX, and XXXX. I was due to hit my XXXX month of payments towards XXXX in XXXX. My XXXX payment was not taken by Mohela even though I had auto pay on, and by the time I could access my account on XX/XX/XXXX, my due date had passed and additionally the account was in forbearance and I was told I did not need to make a payment AND THE MONTH WOULD STILL COUNT TOWARD XXXX. I was told this every time I called. 

In XXXX I submitted my final employment verification to XXXX XXXX XXXX so that my XXXX payments could be counted and my loans could be forgiven. Mohela told me to request a general forbearance at that time while my PSLF was being processed, so I did, starting in XXXX. 

In XXXX that form was processed and FSA is not counting the months of XXXX and XXXX because my account was in a forbearance ( that I did not request and I was not notified of ). Mohela repeatedly told me those months would count and can not provide me the " proof '' XXXX wants that my account was in admin forbearance. I was literally unable to even access my account in XXXX to make a payment, but had been told I didn't need to anyway because of my auto pay, which they never processed even though I've had the same auto pay banking information since 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I filed a complaint against XXXX about the flaw in their system how it's being used and damaging consumers reports intentionally the following day I applied for a loan was pre-approved and the special reporting company owned by XXXX clarity services has labeled my SSN for suspicious activity causing any application for credit denied. I went to clarity services and requested my report they were unable to provide my report to me without me sending a written request through the mail after having provided it to a creditor no less than 10 min ago customer service was equally unhelpful and I will assume this is retaliation for the complaint against XXXX knowingly ignoring a flaw in their system I pointed out. There is no way to resolve this issue in a timely manner and the fact they can just say suspicious activity on SSN causing a consumer to be denied any financial help from any institution is not acceptable they are purposely and intentionally doing this there is no way this is ok to do to consumers this allows XXXX and clarity services the power to determine if a consumer is even considered for any credit from any creditor. This is discrimination and retaliation in its basic and obvious form if this is allowed to continue then the fcra and cfpb really have no power to help the consumer when discrimination and retaliation are easily used against the consumer causing financial harm how is this acceptable they are blatantly causing harm to consumers and manipulating the system to harm consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : CNAC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CNAC XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase cashed a check that was edited with the wrong payer which can only be attributed to theft in the mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( Newrez ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
The agents of a solar company ( The XXXX XXXX XXXX ) came to my house to pitch solar and advised they could get their partner, Mosaic to finance the project for {$51000.00}. This was back in XX/XX/XXXX. The company received the project money from Mosaic and disappeared without completing the project. All efforts to reach them have proved abortive, I have also brought this to the attention of Mosaic but it appears Mosaic is covering up for the solar company and no one is helping to get a resolution. Mosaic wants me to continue paying for a project that was not completed as agreed and threaten to non-payment will affect my payment. I have been making payments of {$190.00} to Mosaic, until XX/XX/XXXX when I realized Mosaic was not doing their best to ensure the project they are financing is completed. 

I have attempted to resolve the case through arbitration but the XXXX XXXX XXXX 's address on the contract seems to be fake as all the mails. I have attempted to serve them letters through the United States Postal Service were returned undelivered. I have called, texted, and emailed all the representatives and agents of the company, but they ignored and no one has responded to complete the job. Since over XXXX months now I have not been able to use the solar and I keep making payments to Mosaic. 

The point of wanting solar for my home was so that I could reduce electricity bill. But this situation has left me paying XXXX bills now ; XXXX to XXXX for the uncompleted solar project and the other to my electricity company. The solar company appears to use me to get money from their business partner, Mosaic and disappeared without completing the job. I also have a family friend who is also a victim of this vendor/ business fraud. 

I have asked Mosaic if they could get another company to complete the project so I can use the solar but no response has been received. They just keep telling me they are waiting for the Solar company to respond, since XX/XX/XXXX, I have been complaining to them. I am frustrated that I have to endlessly make payments to Mosaic without knowing when I can use the solar and they just keep threatening that my credit score will be impacted if I don't pay for a project I am not benefiting from. 

I have attached the notice of breach of contract to the company and Mosaic which they never responded to, failed mailing attempt to reach the company, contract documents and emails thread with both Mosaic and XXXX XXXX XXXX. Please let me know if you need additional information. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

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.

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 2024-10-22 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 XXXX account # XXXX has violated my rights 15 U.S.C 1681 sections 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 angency can not furnish a account without my written instrutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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