vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
Tesla activated my loan for a solar + power wall system when the system was not properly installed, was found defective, and sat for MONTHS not operational. 

I contacted Tesla via phone, chat and email dozens of times to get my system operational and they were extremely non-responsive. No one was taking responsibility despite multiple escalations. 

My loan should not have activated until my system was up and running for at least a month. 

Instead, my system was not repaired until XX/XX/XXXX, after an initial installation date of XX/XX/XXXX. I received permission to operate from the local utility company on XXXX. I should have had a working system on that date, ensuring that I was not generating energy bills, so I would be able to have a full month of savings to pay my Tesla loan which was scheduled to activate on XX/XX/XXXX. 

Because Tesla installed a defective power wall, I was not able to generate power, and now I am stuck not only with my Tesla loan first installment, but also my power bill for at least the first half of XXXX, after I had received permission to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Recently I filed a complaint against Nordstrom/TD bank about a charge off showing on my credit report here with the CFPB. The company responded and their response is still a clear violation. Nordstrom 's response states they are reporting all information accurately to the 3 credit bureaus but I found several inconsistencies myself. Thoses inaccuracies include : 1. Nordstrom is reporting diff last activity dates to all 3 bureaus ( so in other words they are reporting different information monthly to 3 separate parties how is that accurate? ) 2. Dates the account was opened is consistent on 2 bureaus but diff on 1, is that accurate?

3. Under notes for XXXX it says charged off as a bad debt. XXXX says Unpaid balance reported as a loss by creditor and XXXX says Consumer disputes after resolved and charged off. Nordstrom says I don't qualify for a 1099-C, cancelation of debt form, because the balance is still owed- Then why are they reporting to 1 party that they wrote it off as a loss? Does that mean they got a tax break for it or filed a claim with their insurance company? It sounds like charged off means canceled by IRS definition and Nordstrom is deceptively trying to still collect money from me they recovered and I'd like to know if that is the case. Also, ALL notes reported to each bureau say something DIFFERENT so contrary to what Nordstrom believes they are NOT reporting accurate information they are reporting information damaging to my character and deceptive to any potential lenders. 

Then under monthly reporting they are consistently reporting to ONE bureau this is a Charged off account EVERY month. How many times can an account be charged off? 


Under the FCRA if any information is not 100 % ACCURATE it must be removed. I am demanding Nordstrom remove this account from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/2015 Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c

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 2024-02-14 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: NJ

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Employers : XXXX XXXX XXXX, NJ, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Payment {$630.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$1400.00} XXXX XXXX XXXX XXXX  Late Payment {$1100.00} XXXX XXXX XXXX XXXX Late Payment {$20.00} XXXX XXXXXXXX Late Payment {$120.00} XXXX XXXX XXXX Late Payment {$520.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$95.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX XXXXXXXX Collection {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX NJ XXXX Collection {$1500.00} XXXX XXXX XXXXXXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the XXXX data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : XXXXXXXX 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 ****TRANSUNION**** 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

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 2024-02-14 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: GA

Complaint narrative:
After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the XXXX data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : ****Experian**** 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 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

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 2024-02-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
I applied for a USDA guarantee home loaXXXX from XXXX XXXX XXXX  in XXXX XXXX in XXXX of XXXX loan requires the bank to hire an appraiser to see if the home meets their requirements and to give a report of the value. The bank is supposed to make sure the appraiser is doing his job correctly. The appraiser said their were a few minor fixes that needed to be addressed like painting the porch and installing a couple of XXXX receptacles. The issues were fixed and the bank said the loan was approved. About a year after i signed the papers the roof started caving in due to snow and ice. I called the insurance company and they sent a guy out to look at the damages. After about a week i received a letter from the insurance company saying they were not paying for anything and the house was uninsurable due to its condition. I looked at the appraisal report that the bank gave me a copy of and it stated the roof was in good condition and there were no issues with the house. He did not report the exposed wiring or the moisture and rotten floor joists in the crawl space. Not only did he lie about the condition of the house he lied about the value of it by comparing it to houses that were worth a lot more. XXXX of them was a house on the river but he said the location had no value. The bank looked at his report and said nothing then sold the loan to another bank. I tried to contact the USDA but they would not return any of my calls. I tried contacting them for months with no response so i had to try and replace the roof out of my own pocket and do the work myself since i could not afford to pay a contractor {$60000.00}. I had to quit working and try to get enough done before winter because i didn't have anywhere else to live. I got behind on my mortgage payments because of the time and money it was taking to replace half the house and the foreclosed on the house even though i called the bank and the USDA and told them why i was behind but they didn't care. I lost everything because the bank signed a loan and the USDA approved it when they new the appraisal was all a lie so they could get more money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MO

Complaint narrative:
In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with AMEX, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, AMEX, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, AMEX has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to AMEX. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have rights to preserve the fair and accurate reporting of all accounts on my consumer report and Consumer File. I have disputed accounts that have been already removed because they were lawfully supposed to. I now see those back on my account. These are accounts of unvalidated and inaccurate reporting. These are also appearing without my consent, written instructions per 15 USC 1681b, nor was I notified in writing that they are reporting this information. This Consumer reporting agency is not in compliance with 15 USC et seq, nor 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ). I have instructed TRANSUNION to remove ALL Late payments, delinquencies, inquiries and ALL of the negative Items and reporting. They are reporting Income Charge-offs '' ( per the IRS ) on my report, and they are sharing late payments on accounts that fall under the authority of 15 USC 1666b where late payments are not to be reported. This is unacceptable.

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 2024-02-14 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I SENT LETTERS TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB  : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX NXXXX | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/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 2024-02-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
Currently in a active loss mitigation plan and have a single point of contact who has not contacted me or barely answer any emails. Been working with a HUD approved counselor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a letter that my home was being sold on XX/XX/2024 through foreclosure but have not received anything that my loss mitigation plan was denied. I received the letter from attorneys on XX/XX/2024 and received a letter from Shellpoint/Newrez on XX/XX/2024 about needed more information for loss mitigations to schedule a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation