vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: Sunnova Energy Corporation
State: MD

Complaint narrative:
Subject : Complaint Against Sunnova Energy Corporation. for Breach of Contract, Non-Functioning Solar Panels, Meter Tampering, and Unauthorized Charges I am writing to lodge a formal complaint against Sunnova Energy Corporation. for their failure to honor the terms of our agreement, non-functional solar panel system, tampering with my XXXX XXXX, and unauthorized charges to my account. Despite multiple attempts to resolve these issues with the company, they have failed to take any corrective actions, leading to significant financial and service-related hardships over the past XXXX years. 

Details of the Complaint : Breach of Contract : I entered into a contract with Sunnova Energy International Inc. for the installation, maintenance, and provision of solar energy services through a solar panel system for a monthly payment of {$130.00}. However, Sunnova has failed to fulfill their contractual obligations, as detailed below. 

Dysfunctional XXXX Panels : Since the installation of the solar panel system, it has not functioned properly. Despite my repeated complaints and service requests, Sunnova has not made the necessary repairs or replacements. Consequently, I have not received any solar energy services for the past two years, which is a clear violation of the terms of our agreement. 

Tampering with XXXX XXXX : In addition to the non-functional solar panels, I have discovered that Sunnova has tampered with my XXXX meter. This unauthorized tampering has caused inaccuracies in my energy readings and billing, further compounding my frustration and financial losses. I am currently receiving monthly bills from XXXX between {$440.00} to {$500.00} from an average monthly bill of {$120.00}. 

Unauthorized Account Charges : Despite the non-functioning solar panels and the lack of services provided, Sunnova has continued to withdraw funds from my account. These charges are completely unjustified and amount to extortion, as I have been paying for services that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MD

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 these are the following accounts need to be removed.

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 2024-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.

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 2024-08-25 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: MD

Complaint narrative:
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 XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I had a private student loan that was in default in XXXX. In XXXX, I received a judgement on my credit which I was not informed of prior to it happening. In XXXX, they filed a garnishment against me. I had changed employers and moved so they had not received any payments. I had not heard anything about the debt since XXXX, and then today I received a letter that they filed a lien against my real estate. I looked at the court records and in XXXX they had revived the debt which I had not received any notifications about to dispute it. I looked up the company, XXXX XXXX XXXX XXXX XXXX XXXX and read about the other claims against them recently with court settlements. I am wondering how a company can file these court documents against me without notifying me or try to collect on a debt that is now over the XXXX year statute of limitations for collection from the initial date of default?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I applied for a loan for automobile and it was denied, but this item is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

2. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, XXXX, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a ComenityCaptial/AAAXXXX credit card ending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I did have a vehicle from this financed by this bank, but the vehicle was stolen and totaled Due to an accident and I was unable to pay the loan balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint XXXX  from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXXXXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  [ Enter Complaint XXXX  from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PACIFIC SOUTHWEST NOTE FUND, LLC
State: TX

Complaint narrative:
My father and I bought this property in XX/XX/XXXX ... My father XXXX XXXX XXXX died in XXXXXXXX XXXX XXXX... I live on XXXX payments, so could not make payments without him. TRIED TO SELL, as we lived as Joint Tenants w Rights of Survivorship, I thought the Deed would just transfer to me. It didn't. So, I saw no choice but to file bankruptcy to stop foreclosure... had to have that dismissed after 14 months ( could not keep up those payments either ). Then I filed for a 6 month protective order, which was granted ... and started a Probate case for my dad 's estate. Found handwritten will. Probate lasted 10 months. Kept attorney for noteholder informed of probate process. Upon receiving Order granting me full ownership, I tried to close a sale ( buyer was waiting for probate to finish ). Title company said there was a foreclosure on record, from XXXX of XXXX ( during the midst of the probate ), so I couldn't sell. This cost me {$45000.00}, which is what I would have made from the sale, after paying off the noteholder. Foreclosure of property in probate is illegal in Texas. Tried speaking with attorney, tried speaking with owner/rep of PACIFIC SW NOTE FUND, LLC... but attorney insisted he did nothing wrong, even though he had told me - four months after the supposed foreclosure sale - that he had not yet filed the Trustee 's Deed, so it could be " undone. '' I was served with eviction papers last month ... just lost " trial '' in JP Court ( even though I should not have ) and am now APPEALLING to Circuit Court. Trying to Counterclaim for Wrongful Foreclosure, but the JP didn't even acknowledge my Answer, let alone the Counterclaim. I'll send you the document so you have ALL the information- it's kind of a long explanation, but necessary. I would appreciate anything you could do ( and I'll give you a great review on XXXX, just for trying ). XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2024-08-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I visited this dealership to try to obtain a vehicle, but after doing my loan application, it was denied because of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-08-25 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> I have been trying to dispute wrong information on my credit report from XXXX XXXX services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC 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