vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: Solar Mosaic LLC
State: CA

Complaint narrative:
To Whom it May Concern : I am writing to you with grave concern over a situation involving a solar company, Mosaic, and their unjust and predatory lending practices. I am seeking your immediate assistance to address this matter, as it has caused severe financial and emotional hardship for me. 

In XXXX, I initially contacted Mosaic, a solar company, to explore the possibility of installing solar panels on my home in XXXX XXXX, CA. Subsequently, I submitted some preliminary paperwork. However, the situation took a drastic turn in XX/XX/XXXX when I was informed by an engineer that my home had defects that could result in it being red-tagged. Under this circumstance, I was advised to halt any home improvement projects, including the solar installation. 

Understanding the gravity of the situation, I promptly contacted the solar contractor to inform them of the developments. It is important to note that no permits were pulled, and no solar panels were installed. Despite this, I have shockingly found myself burdened with collections from Mosaic for a service or product that I never received or accepted. 

What compounds the issue is that I live in a homeowners association ( HOA ) community, where any project would require explicit approval and sign-off. In this case, I did not proceed with the project or accept any loan associated with it. To my astonishment, Mosaic is reporting inaccurate and unjust information about a loan I never agreed to or signed for. This is a direct violation of my consumer rights and completely unjustifiable. 

California laws are stringent when it comes to safeguarding consumers against predatory lending practices. In my case, not only has this false reporting damaged my credit, but it has also hindered my ability to secure financial assistance for other vital needs. I have invested months in disputing this erroneous information with all three credit bureaus, yet I have seen no progress in removing it. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and address this issue with Mosaic. Their actions not only defy ethical business practices but also infringe upon my rights as a consumer. I have been unjustly victimized by this situation, and the financial implications have been devastating. 

Your urgent assistance is crucial to rectify this matter and bring Mosaic 's unfair and predatory practices to light. I am counting on the CFPB to uphold the rights and protections of consumers like me and ensure that justice is served. 

Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this unjust situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has repeatedly hit my account with XXXX dollar overdraft fees even when my account had/has the money to purchase items. XXXX of 2023 I called Wells Fargo about my account being overdrawn with multiple late fees 2 were taken off. I did buy a budget book so that I may keep track of Wells Fargo and my account. This isn't the first time overdraft fees were added to my account as much as nearly as much as approximately XXXX XXXX in overdraft fees, this happened in I believe XXXX. I did call Wells Fargo to inquire about this lawsuit but no help or information was given, until I researched more myself and came here. I have been a member of Wells Fargo for some years. I bought a table from XXXX last month for approximately XXXX, a week or so later my account is hit with an overdraft fee by Wells Fargo. When I called Wells Fargo to complain the woman on the phone actually went back into my account a few months a took overdraft fees off my account.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX 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 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

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 2023-08-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
XX/XX/2023, After talking with a mortgage company representative on the phone, per their instructions, I posted a signed letter + signed form on the mortgage company 's portal requesting closure of my escrow accounts ( taxes/insurance ). 

XX/XX/2023, The mortgage company denied my request with with a response in the portal followed by a formal letter in the mail. They are denying my request because my XXXX is XXXX XXXX or greater. This is an error in their own recordkeeping data. The mortgage company cancelled the XXXX  on my mortgage on XX/XX/2023, because my XXXX is calculated to be less than XXXX XXXX per an appraisal performed by a third party in XX/XX/2023. 
XX/XX/2023, In a subsequent call to the mortgage company , the call center representative noticed that the mortgage company has not removed the XXXX  indicator on my loan- though XXXX  ended XXXX calendar days ago. The XXXX  indicator is still present in their own system on my loan- erroneously -- and they are automatically denying my request to close my escrow accounts. This loan meets every single criteria for escrow closure i.e no late payments, no missed payments, not XXXX, XXXX below XXXX XXXX, etc., etc. 

XX/XX/2023, I have called the mortgage company two times about this issue. I have posted multiple messages on the mortgage company 's portal indicating there is an error in their XXXX calculation. No one from the company will return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report.

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA , 604 Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I ended up with a loan care mortgage end of XXXX  which was being serviced by Lakeview Loan Service. For my first payment with Lakeview, I setup my account online and also called them to pay my mortgage. Both transactions were successful and I had funds in my account. For some reason the transactions were both reversed. They reported me as late which took my credit rating down XXXX. I would like that fixed asap.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I checked my report in XX/XX/XXXX and had a Capital One account on my credit report. I had previously reported fraud and received a letter stating that I will not be held responsible as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Someone applied for a credit card with THE HOME DEPOT/CITIBANK XXXX XXXX XXXX and have a balance of {$1000.00}

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted Experian about their Experian Boost service that is not working and is also not updating credit scores with the bills from my account that are paid on time to boost my score. XXXX XXXX XXXX XXXX internet, cell, power bill, video streaming service and XXXX are not being properly accounted for ... but the water and gas bills are. When questioned about why this was happening and what was taking so long to repair the issue the supervisor told me, " the XXXX  department here at Experian refuses to fix the issue and there's nothing that I can do for you ''. I asked if there was someone in the XXXX department that I could speak with he stated that the do not talk to customers.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JP Jensen Collections, LLC
State: CA

Complaint narrative:
Ive received a phone number from No caller ID and a male informed me that he was trying to deliver a court order and I asked and he gave me the information of the office that is attempting to collect the debut, I called the company and I explain that I wasnt living in the address or apartment that he is saying that Ive used that credit card ( XXXX ) I have moved since XXXX. The office representative didnt like or wanted me to give him information and he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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