vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
I was contacted by a solar company to get solar panels on my house and one of the loan companies they used frequently is Goodleap. The solar company used a lot of tactics to get me to sign for a loan I didn't read or understand, taking their word for what was in it. The biggest problem is that the loan was structured to include a federal tax refund I would get and could either apply to my loan or keep, so it would either stay a low monthly payment or increase an additional {$100.00} a month. I informed them that I couldn't afford the higher payment and I was told it wouldn't be a problem as long as I applied the tax credit. I now know that no one ever can get a federal tax refund it's actually a NON REFUNDABLE tax credit that can never be applied to any loan or pocketed. When I started to look into these companies I found that consumers have been complaining about this to both companies for 2 years now where they were told this information. Goodleap knew I couldn't apply any money towards the loan but told me I could to get me to sign for a loan they knew I couldn't afford and ever structured the loan to legitimize their lie. They have been working with this company for several years in multiple states pulling this scam to steal people 's money. They got {$50000.00} dollars from me that I have to pay them or I lose my house. This loan company needs to be stopped. Why can't anyone stop these companies from doing this for years now they just keep getting away with it. I did email the company about this twice and the only thing they did was lower the higher monthly payment a little but I still owe the entire amount. I thought I was signing a {$34000.00} dollar loan not a {$50000.00} loan. Goodleap is just claiming ignorance and blaiming me and the worst part is that I got XXXX services and products and treatment by XXXX, the solar company. I feel like I shouldn't have to owe any of this loan because they knowingly lied to me to get me to sign. I thought this was illegal for companies to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MO

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}

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 2024-03-20 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: Peoples Financial Corp.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PEOPLES LOAN AND FIN Account number : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2024-03-20 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: MO

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Balance {$590.00}

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 2024-03-20 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: MO

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$770.00XXXX XXXX XXXX XXXX Balance {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
I am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open account on my credit report, despite my previous attempt to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Lack of Response : To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of 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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}

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 2024-03-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NH

Complaint narrative:
On XX/XX/2021 ( XXXX ) XXXX and or XXXX from collection dept at ( XXXX ) had lied to the credit bureau stating I did not make my my XXXX & XX/XX/2021 payment on my car loan. Please see attached ( XXXX ) electronic payment taken from ( XXXX ) in the amount of {$330.00} XXXX XX/XX/2021 Therefore XXXX payment was late/ missed but not XXXX. I been charged false late fees. By XXXX from XXXX XXXX   dept she added false late fee due to breach of contract. 
I believe XXXX from XXXX XXXX  is working with experian to hurt my credit I say this because I filed this complaint to experian not one not twice like 5 times along with NCUA twice showing my contract payment and my payment receipt now I'm showing my electronic payment I had to go as far as paying my bank XXXX $ a hour to look threw my acct and put together all my payment to XXXX Allow me to add I also filled complaint with CFPD on this a couple times here is one complaint # XXXX. If this complaint gets deregulated and closed I'd like the right to escalate this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: CA

Complaint narrative:
The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX. 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open account on my credit report, despite my previous attempt to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Lack of Response : To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of 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 non-monetary relief
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open account on my credit report, despite my previous attempt to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Lack of Response : To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
I review my credit report and seen that ability recover service added a {$900.00} collection to my account however Ive never been in contact with theses people, never received any notice from Anyone Stating I owe {$900.00} for anything! 
I never miss any payment from that because its not my bill/debt! It just popped up on my collection. I called and ask them 1. ) who are they and who is the original creditor the lady told me on a record call that she dont know and unfortunately is unable to provide me with the information. 2. ) I asked Them why didnt I receive any notice about this debt via phone, mail or emailed to me about this debt ; the lady literally said she dont know why thats against the law, and it took away my right to properly dispute this. 
3. ) I told them that if they are unable to provide me with any Info on where the debt came from and who they bought the debt from and if they can not validate that this debt belongs to me. That it will need to be removed off my credit Report right away. It also needs to be removed because proper steps was not taken and they valiated my rights to dispute, also in order for something to go to collections you must have atleast a minimum of 30-120 days missed payment however I dont have any because this debt does not belong to me its just went straight to collections this is fraudulent activity. They person I was speaking with said you can dispute it and I told her thats exactly what Im going to do because this is fraudulent activity. And that I will be filing with the FTC about this however ftc directed me here. 4. ) I asked to speak to a supervisor or if they can provide me with there corporate information they 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