vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion isn't accurately reporting late payments as directed by the creditor.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Park Hill Holdings
State: GA

Complaint narrative:
I applied for Bankruptcy and was granted XXXX  XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to Safe rent solutions and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am in the process of applying for a mortgage and I paid my account in full. I need this account to report a XXXX balance to the credit bureaus ASAP so that my credit score goes up in time to get approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Attached is a document showing the lean on my car. I paid off in XXXX. Also attached is a report ( s ) of fraud. According to XXXX at XXXX, XXXX applications is not a legit number. It contacted the bank and State of Az and they do nothing.

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 2023-05-22 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. 
The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXXBalance Owed : {$0.00}.

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 2023-05-22 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: GA

Complaint narrative:
Dear CFPB. I am writing to file a complaint against Equifax. Equifax is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to Equifax on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

The letter is formal notice that Equifax has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts within 15 days. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the USPS tracking showing a delivery receipt on XX/XX/23 to Equifax. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to Equifax on XX/XX/23 and tracking asking that these accounts be deleted due to Equifax not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below five accounts from my credit report with Equifax bearing my social security number. The five accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
Dear Credit bureau and representative of consumer financial protection bureau, I am submitting this complaint because my consumer rights have been violating for 3 years, since the XXXX and TransUnion showing the information that completely doesn't belong to me. I tried to talk to XXXX, but this company doesn't even allow to dispute the information. Their agents just tell they don't know how to help and that I need to dispute this information directly with bureaus, but once I submit a dispute with bureaus they verify that this account is mine. BUT I NEVER OWN ANYTHING TO XXXX. I submitted the FTC report, but no results. I got a mortgage with high interest rate, because of this account and I still struggle because of the fraudulent account, I have no idea where it came from. I request a deletion of this account as soon as possible. Otherwise I will reach XXXX with attorneys and request financial compensation, since I am having a lot of losses on my business as well.

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 an account without my written instruction.

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 2023-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 an account without my written instruction.

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 2023-05-22 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: Freedom Mortgage Company
State: MS

Complaint narrative:
Insert cordance with the fair credit XXXX & XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end 344 consumer credit plan as late for and purpose.

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 2023-05-22 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with Equifax to remove all inaccurate information that is hurting my credit report. please review an remove all data that is hindering my file. this has been an issue that is hurting my file. all data is not valid on all 3 credit reports. delete all information filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I hired a local solar company XXXX XXXX XXXX to install a solar system at my home. They recommended to secure financing for the project through one of their preffered partners, a company named Mosaic. 

I went ahead and submitted the application with Mosaic and got approved for the loan for the entire solar panel cost of {$26000.00}. 

I setup my account and started making monthly payments to Mosaic. 

Fast forward to more than a year later, the solar panel has not completed the job. They have failed every single inspection to get the job approved by the city and connect the solar panels to the grid. 

The solar panel does not respond to my phone calls, when I finally get through they just say that they will investigate and get back to me, but they never do. 

So I have put 3 complains on 3 separate occasions with Mosaic, the financing company about the issue that I'm having but they seem to be unable to provide any help with this matter. 

Originally I was told by them that they only paid XXXX XXXX XXXX a small down payment to initiate the project and that the final payment is done after project is fully completed. 

But today, XX/XX/2023 after I call to complain for the third time, the Mosaic representative informs me that XXXX XXXX XXXX has already been paid in full. 

That makes sense, since XXXX XXXX doesn't show any desire to move forward or complete my project. 

My contract with XXXX XXXX XXXX shows they get paid {$1000.00} to begin the project and the remaining amount when the Final Inspection is done. 
So I don't understand why the financing company paid them all the amount in full already. In the meantime I'm paying a monthly payment to Mosaic for something that has not even been performed. 

My guess is that both XXXX XXXX and Mosaic have some sort of arrangement internally which doesn't involve the consumer at all. How is it that a financial institution that lends you money contingent on a home renovation project being completed doesn't offer any help when the consumer is being ignored by the contractor?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX from Bank of America ( unsigned ) stating that beginning XX/XX/XXXX " the {$16.00} monthly fee for your Business Economy checking account will no longer be automatically waived. '' It then goes on to describe ways to avoid the automatic fee which involving keeping certain minimum amounts of money in the account. 

This constitutes both breach of contract and fraud at all times for the following reasons : 1 ) My business checking account was opened in XXXX, XXXX. When I opened said business account 25 years ago, there were no monthly fees ; my contract with Bank of America was for a no fee business account. Had there been fees then, or on the horizon, I never would have opened the account with them. 

2 ) The statement concerning the {$16.00} monthly fee no longer being waived is extremely misleading. It insinuates there was a fee that was waived, which in my case would have been for the past 25 years. In fact, this was a no monthly fee account at the time of its establishment. In that there was never a monthly fee charged, there was nothing to be waived. 

I met with XXXX XXXX XXXX at the Bank of America on XXXX XXXX XXXX at XXXX today, XX/XX/XXXX, in XXXX XXXX and asked that my account continue to be one of no monthly fees as contracted for in the first place. She stated that there was nothing she could do because she received a letter from Bank of America officials stating they now want to charge fees.

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 2023-05-22 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: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX & Navy Federal in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  for ( XXXX  ) account # XXXX, for the amount of {$200.00}, has violated my rights. 

Per : XXXX5 U.S.C 1681 section 602 states, I have the right to privacy.

15 U.S.C 1666b states, a consumer reporting agency can not furnish an account without my written instructions. 

I have asked XXXX to provide me with proof of the debt by providing me with the contract due to never living at the address that the account had listed they failed to do so. I asked since they failed to prove the account to remove it from my report they have failed to do so. I have never given anyone permission to furnish anyone with this account information based on it being unproven and incorrect!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-05-23 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: IA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

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

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 wich antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
on XX/XX/XXXX XXXX/CROSSCOUNTRY MORTGA Pull my credit without my permission, or without a permissible purpose, by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) They also are trying to mislead me by saying in a letter send to me, that I gave verbal permission to XXXX XXXX. I have checked all my corresponded between me and him. I have NEVER gave him Permissible Purpose. I have attachment screenshot of our conversation. 

XXXX XXXX guarantee me that he did one hard pull in my screenshot of our conversation. Now in this letter they send me he said I gave a verbal permission for a 2nd credit score pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from XXXX XXXX on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.

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 2023-05-23 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: CO

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 non-monetary relief
Consumer complaint received 2023-05-23 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: OH

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

Company response to consumer: Closed with non-monetary relief