vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I bought a second hand car on XX/XX/XXXX. I had the money to pay off the total loan and I was eager to receive the loan info to do that. 

I received a letter dated XXXX XXXX from Valley National Bank, quote : " We are writing to inform you that due to a bank error, we were unable to produce the first billing statement for your auto loan. Your first payment of {$700.00} was due on XX/XX/XXXX '' When I called their office, I was informed that I was being charged {$5.00} daily starting XX/XX/XXXX, I had over {$400.00} charged... They informed me that it takes them 45 days to process a car loan. 
I went to their XXXX branch and they told me they needed to investigate the complaint. When I wanted to give them a check for the amount of the car, they refused to take it until the complaint was investigated. I got a call back a week later... no solution. I pressed them to get at least a partial refund, they have not called me back. 

complaint : XXXX ) why 45 days to process a loan? this is not fair to the consumer since they are charging interest during all that time. 
XXXX ) if they failed to send me the statement on time, why is the customer expected to pay for their delay? 
XXXX ) when I tried to do a payment transfer from my bank, I discover that Valley National Bank only allows {$10000.00} payment for each month. I had to wait until the end of the month to pay another {$10000.00}. How is this possible? they are making it difficult for consumers to pay off the loan. 
XXXX ) I feel I was misled by the bank manager when she refused to take a check from me to pay part of the loan. I also think it is ludicrous that they take so long to respond to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX. went bankrupt XXXX XXXX XXXX XXXX ). They are unresponsive for the following problems : Scammed us into purchasing a Solar System worth XXXX the market value through a loan with an out-of-state bank. 

They took almost XXXX months to start the project after payment to loan company. 
Left us with a solar system that has not been finished installed properly and does not work as promised. 
Solar Panels have damaged the roof.

Salesman told us it would cover our entire electricity needs and even make a profit from the by reselling extra electricity back to the electric company. Lie. We still ended up with a very high year-end settlement bill from XXXX XXXX XXXX .

They installed the panels in an area that is shaded so half of the panels do not generate much electricity. 

To compound the problem, XXXX XXXX XXXX changed their rate structure ( XXXX XXXX ) where it does not make much financial sense to own Solar Panels anymore. They buy the electricity at a cheap rate and resell it to us at triple the rate in the afternoon and evening. This was not the case before with XXXX XXXX We are now left with a {$46000.00} loan for XXXX years for something that does not work as advertised. The system is probably only worth {$20000.00}.

Also, the salesman promised that we would get high tax credit refunds from the federal government which, according to the accountant, never qualified for or received. 

Also, for this system to work correctly the Solar Company needed to include a Backup Battery with the Solar Panels to store the excess energy needs instead of selling it back to XXXX XXXX XXXX 

Complaint has been filed with XXXX. 

Many other customers from XXXX XXXX have experienced similar issues.

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 2024-01-31 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I received a text from Wells Fargo, your debit card was declined for insufficient found, when I checked my account was XXXX when I had XXXX. Immediately called to the bank the person said effectively your card was denied for a transaction on line for XXXX and for (???? ) for XXXX, I said, I did not recognize those transactions neither the XXXX using XXXX XXXX, the fraud dep. said they received documents from XXXX that I authorized that transaction, ( letter from the bank ) the bank gave XXXX credit to my account now they send another letter that they are going to colecte the XXXXfrom my account. I do not know what to do, they made the decision, I have called them many times but they dont listen, In the last XXXX months I have change my debit card like XXXX or XXXX times for the same reason, almost never have money on my account because this happened, last week some body tried to pay XXXX in on line store, once again the card was declined, please need some help

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 monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed... 
XXXX XXXX XXXX  XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX XXXX a fraudulent account and should be removed XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent account and should 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 2024-01-31 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: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My home loan ( Loan number XXXX ) with Select Portfolio Servicing , Inc., was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a Release Lien on XX/XX/XXXX that was filed in the incorrect county. The lien was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. 

I did not notice this until I went through a nearly XXXX-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX .

I need to have the original release of lien filed in the correct county of XXXX immediately and a new lien ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call Select Portfolio Servicing, Inc., they were unable to connect me to someone who could help because they did not show my loan number. Select Portfolio Servicing was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to XXXX  XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to Select Portfolio Servicing. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of Ed/XXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account Department of EdXXXX XXXX XXXX Unverified Account XXXX Please remove all non-account holding inquiries over XXXX  days old. 
* Please add a Promotional Suppression to my credit file.

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: MA

Complaint narrative:
I have recently reviewed my credit report and found inquiries from the following institutions that I do not have any consumer accounts : with them. 


1. XXXX XXXX : XX/XX/XXXX 2. XXXX  XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. 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 2024-02-01 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:
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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-01 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: CA

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. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-31 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: CA

Complaint narrative:
Equifax has been reporting inaccurate information on my report that I have filed multiple disputes for which they will not correct. The credit furnisher supplies inaccurate information intentionally to hurt my credit score but Equifax is ultimately the one who allows this continue even though I've submitted disputes in the past and the errors are clearly obvious on the face of the report from just looking at it. 


For example, the furnisher of information is clearly trying to " re-age '' the debt as they have stated on the report the " date of first deliquency '' constantly has been updated from XXXX then a year later changed to a date in XXXX to make it seem more recent. Both of these dates are wrong and the date of first delinquency should be XXXX. Numerous other obvious error include days late going from 30 to 90 from one month to the next and then back to 30 the next month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I am reaching out to you as a borrower who has encountered issues related to the Public Student Loan Forgiveness ( PSLF ) program. My primary concern revolves around Mohela 's interpretation of a requirement that does not align with the legislative guidelines set forth for PSLF. 

According to my understanding of the legislation and the information available on the Department of Education website ( www.studentaid.gov ), borrowers are required to be employed at a qualifying employer when they make their 120th payment and when they apply for forgiveness. Nowhere in the legislative text or on the official Department of Education website does it stipulate that one must remain employed at that qualifying employer until the student loans are discharged. 

However, Mohela has conveyed a different interpretation, suggesting that continuous employment at the qualifying employer is a prerequisite for loan discharge. This contradicts the information available on the Department of Education 's website, leading to confusion and concern on my part. By all accounts, I have completed the requirements outlined by this program when I made my 120th payment and submitted my application on XX/XX/2023. 

Additionally, Mohela has asserted that their guidance on this matter comes from the Department of Education. This raises questions about the consistency and accuracy of information provided by Mohela, as it appears to conflict with the official guidelines from the Department of Education. In talking with various Mohela representatives over the past several months, I have also received inconsistent answers. Some representatives say I can leave my qualifying employment and some ( most ) say I can not. 

The miscommunication, inconsistency, and apparent misunderstanding of the legislative requirements have caused significant stress and uncertainty for me as a borrower seeking PSLF. I believe it is crucial for the Consumer Financial Protection Bureau to be aware of these issues and to intervene to ensure that borrowers are treated fairly and transparently. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
A refund in amount of {$300.00} was issued today XX/XX/year>, from XXXX. The payment methods used to pay loan are all now closed out, a total of three different cards used to pay. Since cards are closed out, I request a check sent including interest paid.

Company response to consumer: Closed with explanation