vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
A sales rep by the name of XXXX XXXX ( XXXX ) came to my home he explained what was supposed to happen if I decided to get the solar panels. The sales rep broke down every thing that was going to be done. He looked at my roof and told me that the roof is sinking and I told him that the beams were splitting and he said that they were going to replace the beams and redo the roof so it can support the panels if I decided to go with them. I video taped the sales rep while he was in my home explaining what they were going to do to the roof if I decided to sign the contract. He then asked for my social security number stating that he was going to see if I pre-qualified for the financing and give me an idea of roughly how much my monthly bill would be, which he stated was going to be about {$160.00} a month. Keep in mind I video taped the conversation and my son was also on the phone while the sales rep was explaining the process. About 2 weeks later I woke up to noise on my roof and when I went outside to see what was going on I noticed that they were working on the roof. I asked what they were doing and they said they were replacing the roof and putting up the solar panels. I immediately called the company to complain because I didn't sign a contract. I also went into the attic to see what they were doing and I noticed that not only were they putting on the solar panels while replacing the roof but that they didn't even change the beams like the sales rep said they were going to do. I kicked them off of my roof. While on the phone with the company they said they were cancelling the contact and I asked " what contract? I didn't sign a contract I was only supposed to know the cost if I qualified for the financing. '' I received an email stating that the contract was cancelled soon after. A week or so later I received a bill for {$7800.00} and a monthly bill for almost {$600.00} a month. 
I am a XXXX  citizen and am on a fixed income and by no means can afford a monthly bill of {$600.00} for anything. The whole reason for me inquiring about the solar panels was to reduce my bill not increase it by over {$400.00}. I feel that they scammed me and signed me up for something I absolutely didn't sign up for. I am prepared to go to court and fight this as I have all of the emails stating that the supposed contract was cancelled. What type of solar panels cost XXXX dollars?!?! My roof is now sinking in because of this due to the weight of the solar panels because my beams would have needed to be replace before anything went on my roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
Upstart XXXX Inc is alleging I owe a debt that is not. The debt has been canceled and reported as income to the IRS since this is income it can not be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: OH

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 2024-03-25 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Opened a CitiGold account on XX/XX/XXXX over the phone with a representative, and used a Promotional Code that was tiered for different amount based on how much money was deposited. On XX/XX/XXXX I wired {$240000.00} to the account which met the promotional offer for {$1500.00}. During the promotional period, in the Citi App I was able to track the promotional and showed me as eligible for the {$1500.00} up until the promotional period ended then the tracker disappeared. After a few weeks I called into CitiGold and a agent said I was only eligible for {$500.00} since I put {$200000.00} in a CD with Citi and didn't leave it in the checking account for the full 90 days. However, when I opened the CD with my relationship manager at the branch they assured me opening the CD would not affect the bonus offer. As as well the fact the tracker in the App showed me as eligible for the {$1500.00} bonus for the entire 90 days, it is very strange that as soon as I couldn't access the tracker the bank said no sorry only eligible for {$500.00}.

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 monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have a collection on my credit report from AARGON Collections XXXX location : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX. I have a collection from them and the only reason I know is because they attached the collection on my credit report ; the collection is from a gym membership fee of {$580.00} from year XXXX. When I called them they did not have my correct address or phone number, THEREFORE never properly contacted me. When I called them several times and I ask for that 30day notice of intent to collect or the validation letter ( they hang up on me ), I spoke with XXXX XXXX and someone called XXXX, and someone else prior with a thick accent but he never told me his name ( he just hung up ). They just refer me to their website to pay the collection. They avoid sending me any notices of communication they should have sent me, when i ask them for it. This is fraudulent practices also I need to know if their collection was reviewed by an attorney and it has to be in writing in their letter of correspondence. Something I have not ever got notice from them. 
This collection is wrong and has ruined my credit. Please help. I need that collection removed asap as it is affecting my financial well being. 

Thank you 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 2024-03-25 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Stonington Ct. 
Virginia XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/year> I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : XXXX XXXX Inquiry DateXXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute and contest the actions of Amsher Collection Service in relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations.

I hereby declare that I dispute owing any and all debts to Amsher Collection Service and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between Amsher Collection Service and the original creditor pertaining to the said debt.

It has come to my attention that Amsher Collection Service has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that Amsher Collection Service is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ).

In light of these violations and discrepancies, I am formally revoking all rights of Amsher Collection Service to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately.

Furthermore, I request that Amsher Collection Service provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities.

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed. Your prompt attention to this matter is greatly appreciated.

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX. XXXX  || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
At the end of XXXX I received a debt consolidation loan which issued checks made out to some of my creditors. All the checks were mailed on XX/XX/2024, the issuer of the checks stated to me that the checks were cashed and cleared out of their account on XX/XX/2024. However, as of today, XX/XX/XXXX, the payment has still not been credited to my account. Multiple checks were mailed to various creditors but the only XXXX that have been credited both went to citi bank, XXXX for a citi bank credit card and XXXX for a home depot account managed by citi bank. The one for citi bank was {$1200.00} and the one for home depot account was for {$1000.00}. The citi bank card had a payment due on XX/XX/XXXX so now that is late. It doesn't seem like it should be legal for a credit company to deposit money into their account, but not credit that money to a consumer 's account. Both checks were mailed with the payment stub included with my monthly statement. And it seems strange that all other credit card companies who were mailed checks, credit my account after receiving and depositing check, while one company in particular cashed the checks but did not issue credit for them.

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 monetary relief
Consumer complaint received 2024-03-25 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: Westlake Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX VA. XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date:XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation