vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXXL Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have put reply within my dispute that is attached. The XXXX XXXX and company have not fixed problem.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting my identity theft report to XXXX. A account on my experian consumer 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 2024-09-15 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: WI

Complaint narrative:
Please see attached. 

Experian is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to Experian to resolve this and they refuse to adhere to my consumer rights. I would like for Experian to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.

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 2024-09-15 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: KY

Complaint narrative:
In according with the FAIR CREDIT REPORTING ACT. 
Account number XXXX XXXX XXXX XXXX BANK has violated my rights.

15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE JPMCB SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CAMCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I've been receiving many emails from Capital One about opening new checking/banking accounts to my email, but the emails are addressed to other individual names ( multiple accounts, multiple different names ) including their new bank accounts. Then within a week or so of these emails starting, I receive a Capital One debit card in the mail at my home address with my name on it. I reported an alert thru my XXXX identity theft insurance who connected me to Capital One to explain what I was experiencing. When given my personal information they could see my info was used to open a number of accounts. I asked if the accounts were opened using multiple individuals information, and any question I asked regarding the new accounts the said they could not give me ANY information, even though it was my information used to open the accounts without me knowing. They assured me that the account in my name ( the card I received in the mail, the one I never received an email about opening ) will be closed and I would not be liable, but when asked about the other accounts I'm getting emails about attached to my information, they said they will flag them and look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
On or about XXXX XXXX, a solar panel sales person came to our door and sold us solar panels for our home, which I own. Before the transaction was completed, he put the finance company on the phone that took our loan application on the phone and approved us for {$50000.00} over 25 years right away. He said that they work closely with XXXX XXXX ( who filed bankruptcy on XXXX XXXX ), and as long as we paid monthly what we agreed to, we would keep our panels. It was a purchase not a lease.

The finance company 's name is Dividend Solar Finance, located in California. They sent the loan agreement for us to sign simultaneously to the purchase of the panels. Since we wanted to have green energy, we knew nothing about how this is done, and subsequent to the bankruptcy, I was told to approach the finance company and they should help us. They refused to do anything about it telling me it was my obligation and I owed them this money. 

Since the installation of the panels in XX/XX/XXXX we had issues with XXXX XXXX, with wrong CAD drawings of installation, the installation caused major leakage on the roof that damaged the interior. I reported this to XXXX XXXX and they continued to promise to take care of it or send me credit for the damage, which never happened. I called Dividend to tell them that the panel company which they financed, wasn't complying to our requests and they told me they had nothing to do with what they promised or not. 

Since the bankruptcy, I have learned that this finance company was collaborating to take advantage of people purchasing solar panels especially seniors, thus the {$50000.00} loan. In addition, th finance agreement included that I was to send them my state and federal government credit rebate for installing panels or the monthly payment would be increased. I did not send it to them and my monthly payment increased from {$190.00} per month to over {$220.00}. 

I called Dividend when XXXX XXXX filed bankruptcy and they said they could do nothing about it and I had to pay each month or they would report me to the credit bureau. Dividend Solar Finance is at LENDER : DIVIDEND SOLAR FINANCE LLC XX/XX/1500XXXX XXXX, CA XXXX ( XXXX ) XXXX Borrower 2 : __________________________ _______ Signature Date DocuSign Envelope ID : XXXX XX/XX/XXXX THIS IS A COPY This is a copy view of the Authoritative Copy held by the designated XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
Subject : Discrepancies in Credit Report Dear [ Credit Bureaus and CFPB ], I am writing to formally dispute several discrepancies on my credit reports from XXXX, XXXX, and Equifax, specifically regarding the duplicate reporting of an account. This duplicate reporting is not only misleading but also negatively impacts my credit score and prevents me from obtaining credit. 

**Discrepancies Identified : ** 1. **Duplicate Reporting of XXXX XXXX  Account** - **Account Number** : XXXX - **Balance Owed** : Reported as {$500.00} on both XXXX and Equifax. 
- **Account Status** : Listed as " Open '' on both reports, which is misleading and creates confusion. 
- **Payment Status** : Indicated as " Late 120 Days '' on both reports without proper context or explanation. 
- **Dispute Status** : Both reports indicate " Consumer disputes - reinvestigation in progress, '' yet the same account appears twice, causing substantial discrepancies. 

2. **Lack of Clarity and Consistency** : - The reports lack specific information regarding the account, such as high balance, last verified date, and details about payment history, making it difficult for me to understand the nature of the debt. 

3. **Impact on Credit Scores** : - My current credit scores are reported as follows : XXXX : XXXX, XXXX : XXXX, Equifax : XXXX. The duplicate reporting and inaccuracies contribute to a distorted picture of my creditworthiness, making it challenging to secure credit or loans. 

These inaccuracies and duplicate entries violate my rights under the Fair Credit Reporting Act and have caused significant distress in my attempts to manage my finances. I have made several attempts to address these issues directly with the credit bureaus, but I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request a thorough investigation into these inaccuracies and the removal of the duplicate account reporting. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
I am part of XXXX My federal loans should have been forgiven, which they were, and a refund for all payments made, which has not happened. I have contacted Mohela several times about this issue. I started calling once I received my letter then my loans were indeed forgiven due to the lawsuit. I have reached out to Mohela, and my call log is as follows : XX/XX/XXXX min - refund amount was given by the agent. She indicated she has also confirmed with her supervisor, and told me a specific amount, down to the cent. It was just over {$26000.00} that I should expect for my refund. 
XX/XX/XXXX minutes - Agent not able to see info has been sent to DOE - 90 day minimum XX/XX/XXXX, 7 minutes - Agent states no updates - request for clarification on refund submitted XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX, 6 minutes - Agent states no updates XX/XX/XXXX - Agent states no updates - minimum of 90 business days for info to be sent to DOE, so I should expect that to be complete by XX/XX/XXXX at the earliest. Then another 90 business days for the info to be sent to DOT, so expect a minimum of about 6 months for any updates. 

I should have already been made whole, and sent my refund. Why was the 1st agent able to give me my specific refund amount, and no one else was able to see it? Why has it not been sent to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: OK

Complaint narrative:
I was hours late on paying my bill, I always pay in full since XXXX XXXX XXXX when I opened account! I had a late fee of {$27.00} and interest of {$7.00} I did not pay attention and ask for charges to be removed before I paid them off the next month. So this interest and late fee is showing up on satements. I requested that they be refunded and the representative says there are no late fees or interest. I say it is printed on my bill and they assure me that there are no late fees or interest. What they mean is they will not refund the interest and late fee because I already paid that bill. In the past if I was late they refunded. I have paid you thousands of dollars in the last 14 years and I expect to be treated like a valued customer! The bill is from XX/XX/XXXXXXXX XXXX XXXX When your representative says there are no late fees or interest when it clearly shows them on my statements it questions the honesty and integrity of the company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WI

Complaint narrative:
Please see attached. 

XXXX is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to XXXX to resolve this and they refuse to adhere to my consumer rights. I would like for XXXX to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX XXXX FL 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete addressXX/XX/XXXX XXXX, FL XXXX and XXXXXX/XX/XXXXXXXX XXXX FL 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 2024-09-15 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 am writing to formally request an investigation into Experian which has reported negative information on my credit file without my consent or authorization. I have never signed any application allowing this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Experian nor the reporting entities have provided this documentation. 
The debts in question include : XXXX XXXX  : {$680.00} XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX  : {$890.00} XXXX XXXX  : {$1600.00} XXXX XXXX : {$410.00} This raises serious concerns about Experians compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has significantly impacted my credit score and financial standing, causing undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have not given any entity the authority to access or report information about me. Experians failure to comply with these legal requirements has caused harm to my credit standing. 
I respectfully request that the CFPB investigate this matter and take immediate action to ensure this inaccurate and unauthorized information is removed from my credit report. I have repeatedly communicated my concerns to Experian, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, along with proof of identity to determine who applied for these illegitimate debts.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
XXXX XXXX did not complete the job ( {$15000.00} ) and we attempted to resolve the matter without results. I challenaged the payment on XXXX. They withheld 1/2 payment {$7500.00}. After months attempting to resolve the matter XXXX made it permanent. The company never responded to XXXX nor usXXXX XXXX turned it over to Synergetic Comm for collection. I filed a claim with Arizona Registrar of Contractors,. XXXX XXXX responded, completed the job and I paid them. The deal was I release the claim at AZ XXXX and one at XXXX and they would withdraw all collections info at all the credit bureaus. 
I did my part they did not. It still shows as a collection onXXXX by Synergetic Communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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