vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.

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 2024-05-16 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
valor Solar agent came to our home with proposal for solar energy he assured us that with solar installation there will be no electric bill but we will get money by selling electricity. XXXX XXXX said it would be {$40000.00}, after installation I paid {$150.00} to solar and at the same time I was receiving XXXX XXXX provider over {$500.00} to {$1000.00} pm since than I keep asking to check problem and I stop paying to Solar company lender Goodleap. I am paying only to electricity not to solar since its just fraud fraud. 
XXXX XXXX got {$65000.00} from Goodleap lender I never signed any documents for loan. 
I was shocked when they put to XXXX credid reporting company How can solar company do this without fixing problem my score dropped from XXXX to XXXX and I am unable to get any credit card despite many requests nothing happened still living with bad credit. 
I requested to remove solar panels immediately and explain why Solar company charging {$65000.00} when I never signed any documents and why I am getting high electricity bills its just fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
I reviewed my Consumer Report and noticed thad I had deferent late payment on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accurancy I have never been late on payments for the ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2024-05-16 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: PA

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo banks active cash card reversed my balance transfer in XX/XX/XXXX for {$12000.00} after I had complained in XX/XX/XXXX that they hit my credit XXXX points during the balance transfer from XXXX XXXX account to a personal account. During my research of finding a good balance transfer card, No one in their department mentioned that this will be personal credit card and the balance is on an LLC card hence, it hit my credit XXXX points. They were asked to reverse my credit balance right away to XXXX back in XXXX, XXXX XXXX, after my complaint of this incident and pleaded them to reverse the balance right away they never approved it. However, I reopened the case for some justice, and asked to be spoken to managers, executives to reverse it but no one got in touch with me for months. I figured when they finally did call me, c In XXXX, 5 months later in and said theyre working on a resolution I thought they would come back with one but not having to do with reversal of balance this late!!!. However after 6 months after had rebuilt my credit XXXX points, one night they up and reversed my balance of {$12000.00} back into XXXX account without talking to me or asking me if thats what I still wanted. 
Now that balance is back to 20 % interest on my XXXX my credit isnt good enough for another interest free card since its XXXX and not XXXX, and Im not happy at all the reversal this late without my consent. all of it in an XXXX card when I had paid off {$1000.00} of it. In XXXX they asked if they wanted me to move forward with a resolution but I didnt know they can go into my account and apply the charges. XXXX now paying 20 % interest on that balance and 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 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-16 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
While trying to obtain my first auto loan I was told by the dealership there was an auto loan closed on my account and sent to collections. The name of the loan company is EXETER FINANCE LLC Highest balance being {$14000.00}. I have no knowledge of this account and I've never opened an auto loan. This is causing me to not be able to obtain financing on a vehicle. It was also sent to a collection company XXXX XXXX XXXX Highest balance being {$5000.00}. This is inaccurate information please remove from my credit report. 

EXETER FINANCE LLC {$14000.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express Ref # XXXX I do not think this is a fair transaction. This company utilized my signature ( receivable ) and transferred it into a security. To which this company continues to make a profit on by trading it on the market. Is this why you can not retract my application? I did not receive the charge card that I applied for. Your reason for denial was my XXXX score. Per your perspective filed with the SEC it states you cant verify a XXXX 's score accuracy, so how then can you in turn deny me for this charge card? 


The response provided by American express and I quote " An evaluation of your application was conducted and unfortunately our decline decision remains based on your XXXX score. '' Again this goes against your Prospective filed with the SEC. I think they should be notified that you do not live up to your prospective.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
My credit report dropped XXXX points because a credit card in a family members name decreased in debt by XXXX dollars! 

I want an investigation into Experian 's algorithm based on the Equal Credit Opportunity Act. I believe their tactics for evaluation are based on race and not debt. 

If I were a XXXX XXXX with the same stellar payment history for the last XXXX years I would have more than a XXXX XXXXXXXX XXXX. My score would be at least 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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA appears to be in another world on this account. It charges a {$45.00} late fee, does not process payments, and has reported the account as delinquent XXXX times over the last XXXX  months. Out and out fraud

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-05-16 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: NJ

Complaint narrative:
I was checking my consumer report and I realized theres a few collections and negative accounts that I did not authorize. In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report.Please remove these unauthorized inquiries from my credit report. 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 2024-05-16 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:
The 3 Major Credit Reporting Bureaus. Have survived XXXX XXXX. XXXX, XXXX XXXX  & other laws enacted to demise the worth of XXXX  beings. Yes I believe they have committed securities fraud. In violation of Title 31 Money & Finance : Treasury. 1.32 only the Treasury uses full Social Security Numbers. They have consistently violated my consumer rights & laws of 15 usc 1681 ( n ) & 15 usc 1692 ( k ). 15 usc 1692. Identity theft 15 usc 1681b ( 2 ). I'm @ the point I'd like to sue every Bureau with a class actions lawsuit. For XXXX ppl who I believe have been discriminated against such credit reporting Bureaus.

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 2024-05-16 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: AR

Complaint narrative:
I am writing to file a formal complaint regarding inquiries on my credit report that I have repeatedly requested XXXX and Transunion to be removed but have not been removed yet. I have made numerous attempts to dispute these inquiries with Transunion and XXXX but to no avail. 

I have provided all necessary documentation and evidence to support my claim that these inquiries are not valid and should be removed. However, despite my efforts, the inquiries still remain on my credit report. 

As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading information. It is unacceptable that the credit reporting agencies have failed to take appropriate action in removing these inquires despite my repeated requests.

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 2024-05-16 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account XXXX XXXX XXXXXXXX After your investigation the account still is reporting late for XXXX and XX/XX/year>. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX and XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My account is restricted because it was compromised and I have send them all the information that they asked me for. And now I cant get any answers from them when they are going to unrestricted my account since I have money in they will not let me get my money out if I need to use it.I have called them and they say they have no update on my account I have to wait until they back office get thorough investigation my account that all the information they have XXXX will not let me use my money in my account

Company response to consumer: Closed with non-monetary relief