vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: VA

Complaint narrative:
XXXX XXXX XXXX continues to re-report an old debt that I owe them. It was charger off in XX/XX/2020, yet, they continue to re-report the same debt. My credit score has already previously taken the hit for falling behind on the debt, as well as, it being a charged off. Now, it has taken another hit recently, due XXXX XXXX XXXX  re-reporting this same debt. I am not even sure if this is legal, however, it seems as if the company is trying to be malicious. Why keep re-reporting the same account to further negatively impact my credit score. I have been trying extremely hard to rebuild my credit for the last XXXX years. I have been making all on time payments to all open accounts for the last XXXX years. I dont dispute the balance owed to XXXX XXXX, however, I am reporting them for maliciously trying to further negatively impact my credit.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
On my Credit Report for XXXX XXXX it states I have a balance in collections with ( IQ data international for {$4700.00} ). Ive called disputed and ask XXXX to remove the debt from my report or to show proof that I have debt with this company. I explained to transunion that this company ( IQ data international ) is not shown on my XXXX report, or my XXXX Report, and asked that it be removed from my transunion report immediately. I also asked them could the company verify the debt or show proof of the debt. XXXX told me the company did not show proof of the debt, and the company did not send any supporting documents. But yet they still have not removed it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TX

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 2024-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting Experian says closed no payments due XXXX XXXX says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to apply for a credit card in XXXX separate transactions.

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 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I accidentally sent an electronic payment to XXXX on XX/XX/year> in the amount of {$290.00} to apply to account XXXX. They accepted the payment. The payment was supposed to go to XXXX XXXX Yesterday I got an email saying that my XXXX XXXX XXXX late and I realized the error. I paid the XXXX account and have been on the phone with at least XXXX different people for almost XXXX hours and all they keep telling me is that there is no such account. But no one will tell me where they applied my {$290.00} or how to get it back.

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 2024-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I had already paid for medical service from XX/XX/XXXXfor the amount of XXXX yet still this company keeps trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: CA

Complaint narrative:
Back in XXXX of XXXX I had reported to EXPERIAN that I was unable to acquire free credit reports or able to Dispute errors on my credit report. I had to eventually had to sign up for the {$29.00} premium service and I was still unablle to pull my credit reports, the reports are stuck back on DATES of XX/XX/XXXX. 

I have recently checked my credit report on XXXX the same problem is a happening. 
I am unable to acquire free credit reports or dispute on-line ' and paid service. 

Please remove these hard inquiries, they do not have my permission or authorization, nor have any permissable purpose. 

XXXX XXXX XX/XX/XXXX Delete this inquiry. 
Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Delete inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 

XXXXXXXX XXXX XXXX XX/XX/XXXX Delete Inquiry Not permissable purpose and violation of USC 1681 ( 1b ) violations of my privacy and consumer protection laws. 


I have attache the credit reports to show proof of the credit reports not up to date nor have accurate information on my report.

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 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
( 1 ) EXHIBIT : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL TRACKING # WITH RETURN RECEIPT WITH MY WET GOVERNMENT PERSONALIZE SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
My identity was stolen, i called and told the XXXX XXXX and I was told to contact the original creditor, someone had purchased internet through my name and information to a completely different address no where near me and the debt not paid went to my account which is wrong, that is not my debt I didnt purchase any cable provider/internet I want it removed off my credit report

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 2024-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting XXXX says closed no payments due Trans union says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681

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 2024-04-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting XXXX says closed no payments due XXXX XXXX says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Feb/Destiny have placed an hard inquiry on my credit report dated XX/XX/24, which I have not applied or given any written consent to this company, to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: 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 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 2024-04-06 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: CA

Complaint narrative:
This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. TransUnion has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- 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 2024-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
The crime ( I was tricked to believe that this was not a crime ) started on XX/XX/XXXX when I could not log into my XXXX XXXX stock account, I called the number on the screen : XXXX XXXX ( criminal ) from XXXX XXXX says that someone was getting into my stock account, and therefore XXXX XXXX locked my stock account, and therefore XXXX XXXX also contacted ic3 of FBI about criminals getting into my stock account. Next, on XX/XX/XXXX, XXXX XXXX called me that ic3 of FBI informed him that someone took large amount of money from my XXXX XXXX  account. Next, on XX/XX/XXXX, XXXX XXXX ( criminal ) of XXXX XXXX, and also XXXX XXXX ( criminal ) from Criminal Investigation of Internal Revenue Service ( IRS ) called me to wire transfer {$39000.00} from my XXXX XXXX XXXX  savings account to XXXX XXXX of IRS using his wire transfer recipient, XXXX XXXX XXXX  XXXX XXXX who has bank account with Key Bank in Washington for safekeeping my money with the Federal Trade Commission. Next, XXXX XXXX uploaded the receipt from Federal Trade Commission that XXXX XXXX of IRS received my {$39000.00} that I wire transferred from my XXXX XXXX XXXX  account to his account with Key Bank. On XX/XX/XXXX, and many other times after XX/XX/XXXX, I went to XXXX XXXX XXXX  to explain to XXXX XXXX XXXX  that it was a scam that criminals told me to wire transfer {$39000.00} to their criminal bank account in Key Bank. XXXX XXXX XXXX  informed Key Bank about the scam and told Key Bank to send me back my {$39000.00} from the criminals ' bank account at Key Bank. My case number at XXXX XXXX XXXX  is XXXX. I also called Key Bank about the scam on XX/XX/XXXX. Key Bank informed me that the bank account of XXXX XXXX XXXX  XXXX XXXX at Key Bank IS STILL ACTIVE AND OPEN. Also, I found out from XXXX XXXX  that the owner of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, register her business with the State of Washington on XX/XX/XXXX. HOWEVER, AS OF TODAY, XX/XX/XXXX, I AND XXXX XXXX XXXX  STILL DID NOT HEAR ANYTHING FROM KEY BANK. Key bank is located in XXXX XXXX XXXX, XXXX, WA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Once I received my first statement I reached out numerous times requesting help regarding the faulty work completing my total roof replacement, along with the Fix XXXX of XXXX. No resolution as of this date. Now I am being charged a fee to receive paper statements. The Fixed interest rate was to be XXXX for XXXX but XXXX XXXX that rate to XXXX and provided a poor quality roof replacement. Charged above normal standard cost of roof replacement and changing the interest rate fixed rate. My Roof was replaced 2022. I have attempted numerous times to resolve.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to Biden 's loan forgiveness plan. Payments resumed in XX/XX/year>. Mohela 's representative apologized and assured that the correction would be made promptly. Regarding the PSLF forgiveness, Mohela hasn't updated it with the XXXX XXXX XXXX  per a representative, as bills for payment are still being received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunnova Energy Corporation
State: NJ

Complaint narrative:
I do not give consent for them to report and never did. As per CFRA this account should be removed. This is a solar lease panel lease agreement that was never reported prior until XX/XX/XXXX. 

The account is reporting incorrect multiple late payments and an incorrect balance. They currently owe me a credit they are refusing to put on my account and sent me another credit they owed for a year instead of rectifying my account all proof is attached. 

To Further prove why this account is incorrect and inconsistent Please see attached monthly statements clearly stating to NOT make payment and Not one stating that there was an issue or to make a payment. 

If I am given this in writing stating do not make a payment, I would believe the company would rectify their error and correct my status as I was following their instructions. 

Sunnova has owed a credit since XX/XX/XXXX and actually Paid me the credit XX/XX/XXXX. 
Instead of rectifying billing, they have maliciously continued reported my balance as outstanding. See attached. 

They currently owe a credit from XXXX and I have asked for the processing to be expedited but they still refuse to rectify my account and on my credit report. So I can pay the correct amount if any. I was told to update the credit routing to the account and they would fix the account but they haven't. 

They removed it from credit report XX/XX/XXXX and then put it back on a last week. 

They have continually been in breach of contract by not performing at their guaranteed production since the panels were installed. I highlight in our contract GUARANTEED I have requested this lease to be terminated due to lack of performance and unfair inconsistent billing practices with no success. 


This is harmful to my well being financially. 

In addition, the current balance of this account is reporting at $ XXXX is incorrect that was the original balance and the current balance is $ XXXX. The lease has been in place since XXXX the balance cant be the same as the initial amount. Please see all proof provided. 

Based on all information given, this company is illegally reporting incorrect information and giving conflicting directions. Due to all the discrepancies, I ask that this account be deleted immediately or reports in good standing with all late payments removed for fair credit reporting standards. 

To reiterate None of the billing statements have stated to pay and they currently still owe me a credit but are refusing and no where in my lease does it state they can withhold the credit due for non performance.

Company response to consumer: Closed with explanation