vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunnova Energy Corporation
State: FL

Complaint narrative:
A solar installer called XXXX XXXX XXXX lied to me and gave me a contract fr XXXX to go solar with them and their business partner Sunnova. They installed on XX/XX/XXXX. They promised me my contract. I requested it over a dozen times until XX/XX/XXXX when they actually read it to me over the phone and then filed bankruptcy the next day. They sold my 25 year contract to their business partner Sunnova who refuses to help me get my installation contract or pay me the XXXX I agreed too with their solar installer XXXX XXXX XXXX. I requested my contract over two dozen times. Sunnova said they might help if I send them my contract. I think they know I m have issues getting it. I need help getting my contract from their bankruptcy attorney. Then see if sunnova will help or remove the solar panels from my home due to failure to execute or perform on my installation contract. I am a XXXX year old XXXX veteran. They are playing games with me. I know XXXX XXXX XXXX in XXXX New Jersey and Sunnova in XXXX Texas are having legal fraud scam issues now. I need help. Regardless I want my contract from slthe installer XXXX XXXX XXXX now. That's a great start because then I can discuss with sunnovw or do that they are telling me to do.. have my lawyer contact their legal team in XXXX. They have me in a bad situation as a consumer. 41 solar panels didnt get on my roof without a contract and they know this. Scammers know how to scam. These people have done this to thousands of people..see XXXX sunnova complaints group 3000 plus people. I need help. XXXX XXXX Ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

I.C. SYSTEM, INC ( Original Creditor : 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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I emailed CEO of Bank of America and customer relations XXXX XXXX and XXXX at client care regarding a notification I received on XX/XX/XXXX from my Credit Bureaus XXXX  alerting me that my Bank of America credit card ending in XXXX reported as 30 days past due. This was the first notification I ever received. I did not receive any notifications that my Bank of America Credit Card was not auto deducted from my Personal Checking Account ending in XXXX also a Bank of America checking account nor did I receive any notification that my account was either at risk for or of being late. The very moment that I received the notification from XXXX alerting me on XX/XX/XXXX, I logged into Bank of America and paid the balance in full bringing the balance to XXXX / XXXX. 

My email to XXXX XXXX states that I have been a long standing customer for over 25 years and hold multiple Bank of America accounts and requested a call back or to be connected to someone who could help me determine why my auto payments or Credit Card were not made or notifications not sent to me to have avoided this very serious issue for me. I noted in the email that my credit score was dropped by over XXXX points. 

Thereafter, I followed up with 4 subsequent emails and received No response or call or email. I am asking that someone at Bank of America research this and consideration of removing these reporting to my credit card as I had no way of knowing I was at risk of being 30 days as I believed my auto pay was set to deduct from her attached Bank of America checking accounts. I can be reached at 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 2024-03-22 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I obtained a vehicle loan from XXXX XXXX XXXX ; the payment term was {$900.00} due the XXXX of the month ; The vehicle was totaled on XX/XX/XXXX but I still made my XX/XX/XXXX payment ; XX/XX/XXXX Insurance company sent payment in for settlement as well as I made my regular monthly payment XX/XX/XXXX because I didnt know the insurance had paid already Account is reported to bureaus as reviewed 3 months ( XXXX, XXXX and XXXX ) I made down payment in XXXX, monthly payment in XXXX and also Insurance paid in XXXX as well as my monthly payment was made in XXXX ; This company reported this to my credit report in XXXX as a charge off with major derogatory taking place in XXXX of XXXX ( month where 2 payments was made ) I have challenged this incorrect information as it violates my rights under USC 15 1681 FCRA and FDCP act because incorrect information is being reported to my credit file and damaging my ratings ; This account was never derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I 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 nephew, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: SC

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 these accounts : Account name : # 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. 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 explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: SC

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, XXXX, and Equifax to reinvestigate these accounts : Account name : # 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: OH

Complaint narrative:
I entered into loan in XX/XX/XXXX and paid the loan off XX/XX/XXXX. They continue to report this loan and another loan I acquired in XX/XX/XXXX and paid off in XX/XX/XXXX as full balances. I disputed them to Experian but they continue to report them as unpaid even though they are paid in full.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. CAPITAL ONE XXXX and CAPITAL ONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

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 2024-03-22 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: CA

Complaint narrative:
XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see the complaint number below submitted XX/XX/XXXX for full complaint details. Additional requests are as follows : XXXX Please advise the underwriting criteria for the balance transfer offer as I would be surprised if a XXXX credit score is to low for this offer. Balance transfers are generally a tool to help those in debt relieve it, people in substantial debt don't have XXXX credit scores which leads me to believe this is a tactic to pull people in with no intention of furnishing the offer. 

Please advise what action was taken to review the 4 different calls I had where I was advised I did qualify for the 0 % APR on transfers. Please also advise how you may assist me or make me whole for this misinformation. In my opinion, the only way to make this whole is to provide me with the balance transfer option I was advised multiple times I was approved for and was showing on my account. 

Lastly, the statement is made that I had the opportunity to decline the card. I did not. I applied, it said it was approved and then I received an email with the details. I was at no point provided with the opportunity to review the offer and decline or accept. 

There are clear UDAAP violations here, Advertising and Marketing violations, and TILA violations and the disclosures around the promotional offer were not clear. I received an offer for a card, a pre-qualification. My credit card is significantly higher than it was when I got the first card. Capital one may be seeking to brush this off with the simple provision of a document, but that is not going to happen here. My next step is to bring my lawyer in to sue for the misinformation clearly provided by phone on multiple occasions. 

Should Capital One maintain its stance to not provide me with the offer I should have qualified for and was advised multiple times by Capital One employees, specialists in the balance transfer, that I was qualified for? I will seek legal action on principal alone as I no longer even need this balance transfer. These business practices are very deceptive and unprofessional. The CFPB should initiate an examination into your practices as the presence of multiple calls telling me I am qualified alone is grounds for furnishing the acceptance of the 0 % APR offer. 

I would like to know if Capital One reviewed all of the calls and it is their position that they do not care what was relayed to me in the calls. 

I would like copies of the call recordings furnished through the CFPB. And I would like to see the underwriting criteria for the balance transfer offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-22 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 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: NY

Complaint narrative:
Someone has stolen my identity. I have never done business with XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX has provided me validation of these accounts. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Pentagon Federal Credit is showing accounts for a Credit Card and Line of Credit as late beginning as far back as XX/XX/XXXX when at that time XXXX XXXX XXXX XXXX. As of XXXX, these accounts should have been closed. Please see discharge letter included with this complaint. These items are showing on all 3 Credit Bureau reports.

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