vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX accounts that are unlawfully added to my credit report I've tried to contact TransUnion XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of 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 2024-02-05 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: NJ

Complaint narrative:
I had an unusual amount of activity of my XXXX account. I reached out to XXXX and was directed to speak with someone who was not actually a XXXX employee. This person gained access to my account, phone and computer and sent himself XXXX XXXX payments. Once I realized what he had done, I contacted XXXX  immediately and my bank, Chase Bank. I filed a claim with Chase that was denied due to the transactions matching my IP address. The transactions matched my IP address because the person had access to my devices. I did not authorize the transaction nor did I make the payments. I filed a report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunnova Energy Corporation
State: HI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX Hawaii XXXX XXXX XXXX. Closed their business without any notification to customers. Calls, text, emails went answered. Drove to their office, everything gone. 

Our solar system has never operated fully. Called XXXX to report System Errors. Technician would come and service our system. Calls would be placed continuesly. Electric bill increasing. 

When we found out the business closed. Immediately called SunNova Solar Finance @ XXXX. Explained our situation. XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed their doors, out of business, didn't notify customers. Solar System not working properly, electric bill increasing. 

In addition, monthly leasing fee has gone up. From {$300.00} to {$400.00} with additional tax and service fees ranging from {$290.00} - {$35.00} - {$17.00}. We started monthly payments to SunNova on XX/XX/2022. 

SunNova Customer Service advised they would look into having another solar company come out to service the system errors. To date nothing has happened. The solar panels and system are fairly new. No help with the monthly payments. 

We researched the warranties with XXXX. Next available appointment with a technician is in XXXX. With the understanding a service call involves fees. They didn't install the system. 

We were better OFF without solar. We are XXXX on a limited budget. We can't afford solar. 

Goal is to cancel solar contract, remove non-operational solar system. 

Information online is overwhelming and confusing. 

Looking forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX used XXXX to transfer {$750.00} from my checking account at Wells Fargo to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using XXXX and again from my checking account at W.F. Wells Fargo debited my account, but XXXX did not transfer the funds to XXXX XXXX. When I check the transactions online in my W.F. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that XXXX has frozen the funds. At this point, the funds have been frozen for over three days. 

I called Wells Fargo FOUR TIMES today ( XXXX ; the online dept. ) to try to get this problem fixed, and got absolutely nothing accomplished! Two of the calls didnt even get past their IVR. On my second call, I talked to XXXX XXXX in XXXX, TX, but she refused to answer my question about why the funds were frozen. When I asked to speak with a supervisor, she disconnected the call. On my fourth call, I got an XXXX in the XXXX. I told her I wanted to speak with a supervisor in the U.S. She didnt connect me with a supervisor, but connected me with their second level support. I spoke with XXXX XXXX in Virginia. She also refused to explain why my funds were frozen, and kept trying to blame XXXX and/or the receiving financial institution ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA ) . She refused to do anything to fix the problem. When I asked to speak to her supervisor, or to give me the phone number for problem resolution at XXXX, she refused both requests and hung up on me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NY

Complaint narrative:
I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX with no resolve. They are in violation of XXXX 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.

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 2024-02-05 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: NY

Complaint narrative:
I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX  with no resolve. They are in violation of RICO 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.

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 2024-02-05 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: TX

Complaint narrative:
My personal information was used to obtain credit without my knowledge that was fraud. 

On my credit report XXXX XXXX company is reporting late payments and I didn't have any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2024-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
This company is TitleMax. When I apply the loan. The agent said the interest rate about 9 % something. But I paid 1 year already and just find down the interest rate 119 % .. this is unexpected.. I tried to call them .but they said that the loan company like that. 
I loan them {$6000.00} I make payment them 1 year already but the loan still {$6300.00} Store address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used to obtain credit without my knowledge that was fraud. 

On my credit report XXXX XXXX XXXX is reporting late payments and I didn't have any late payments.

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 2024-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used to obtain credit without my knowledge that was fraud. 

On my credit report XXXX XXXX XXXX is reporting late payments and I didn't have any late payments.

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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 an 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. The list of Collections below should not be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-02-05 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: TX

Complaint narrative:
i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623. 
responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate

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 2024-02-05 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: TX

Complaint narrative:
i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623.

responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking this agency not only to remedy this problem but to ask Congress to please investigate this nauseating problem which likely causes a lot of issues for women I'll just bet.

I have worked hard to create a sterling credit score and I had one for a long time it was a score of XXXX and I DESERVED EVERY NUMBER THERE, AND I HAVE DONE NOTHING BUT INCREASE THE SCORE AND YET, IT IS ONCE AGAIN OUT OF THE BLUE WITH NO EXPLANATION AND NO PROOF NO RHYME OR REASON TO DROP MY SCORE IT IS INSIDIOUS. XXXXTHEY TRIED THIS THE END OF LAST YEAR, DROPPING IT BY TWO POINTS, THEN TEN, THEN 15 AND YET THEY SAY OH, YOU ARE STILL IN THE BEST RANGE. 
THAT IS XXXX  XXXX, THEY DROP YOUR SCORE XXXX XXXX POINT AND IT HURTS. 

I AM PAYING MORE ON MY XXXX CAR LOAN THAN I SHOULD AND I AM XXXX  WELL SURE IT IS BECAUSE OF THESE XXXX  AT EXPERIAN. 

I LOOK ON THEIR WEBSITE FOR REASONS AND THERE ARE NONE FOR DROPPING MY SCORE. NONE NONE NONE, IN FACT, EVERYTHIGN IN WRITING SAYS EVERYTHING IS HELPING. 
I AM XXXX  WITH THESE PEOPLE. 
MY NEXT REQUEST IS PLEASE, ASK FOR AN INVESTIGATION INTO THIS OUTFIT. NO ONE CAN BE SO OUT OF TOUCH WITH THE UPDATED LAWS, NO ONE CAN DO SO MANY STUPID AND ILLEGAL THINGS TO PEOPLE AND THEN GIVE NO WAY TO CONTACT THEM. WELL AFTER LAST TIME THEY FIXED THAT, BUT I DOUBT THEY HAVE ANYONE WHO SPEAKS XXXX READ AND REMEDY THE PROBLEMS. 
LOOK, YOU ARE NOT GETTING ON THESE PEOPLE ENOUGH. 
THEY ARE UNEDUCATED. THE FINANCIAL PEOPLE ALL AROUND SAY YEARS AGO THEY STOPPED MAKING IT A HIT ON PEOPLE 'S CREDIT REPORTS FOR ONE TIME SEARCHING FOR A CAR LOAN, OR A MORTGAGE. BUT IF YOU LOOK FOR A CAR LOAN AND A MORTGAGE AND A PERSONAL LOAN, THEN YES OF COURSE IT IS THREE XXXX. BUT FOR JUST A LOAN, THE SAME LOAN,, ALL IN THE SAME WEEK, XXXX XXXX INQUIRIES DO NOT DO NOT DO NOT COUNT AS THREE HITS, ONLY ONE, IT IS THE SAME DAMN LOAN AND IT WAS EVEN ON THE SAME DAY. 
I AM SO ANGRY WITH THIS XXXX  XXXX COMPANY I T HINK WE WHO ARE XXXX  BY THIS SHOULD SUE ALL OF XXXX IN A CLASS ACTION SUIT. 
I AM TIRED THAT ANY FINANCIAL INSTITUTION EVEN GIVES THESE XXXX ANY CREDIBILITY ANY MORE. THIS HAS XXXX  UP SO MUCH OF MY TIME AND ENERGY I COULD JUST SCREAM. I WANT MY SCORE TO REFLECT MY CREDIT WORTHINESS ACCURATELY AND DROPPONG ME XXXX POINTS IS AN OUTRAGE.

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 2024-02-05 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: CA

Complaint narrative:
Experian reduced my credit score from XXXX to XXXX when my student loans were discharged/paid off and has not changed data on line

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 2024-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have previously disputed Name XXXX XXXX XXXX XXXX XXXXXXXX starting on XX/XX/year>. 

The companies responded that they verified the item as accurate, stating they verified the information with the courts/ third party. 

I contacted the Court Clerks Office and their response was they do not do reporting with any of the credit bureau 's or outside agencies. She stated that the credit bureau 's collect court reports on their own. 

I was guided to the courts website to verify that the information XXXX gave me is listed on their website for consumer rights and protections. 
Therefore, the initial responses verifying the item/s with the courts /third- party was either an error or a misunderstanding. 

Either way, the reporting requirements do not comply with FRCA 611 ( 15 U.S. C. 1681I ). and the information must be removed immediately. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing credit report I saw inquiries that are not mine on there

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 2024-02-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian for their failure to respond to a dispute letter I sent on XX/XX/year>. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Experian regarding my dispute, and this failure to communicate is a direct violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, serving as evidence of my attempt to rectify inaccuracies in my credit report and Experian 's failure to adhere to their legal obligation to respond within the stipulated timeframe.

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