vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
XX/XX/2023 we contacted XXXX XXXX to install solar panels. 

XX/XX/2023 all communication with XXXX stopped as did work on the solar panel installation which was not yet complete. 

XX/XX/2023, after several weeks of trying to contact company, we found via XXXX that XXXX XXXX filed for bankruptcy without notifying customer in the XXXX area. 

XX/XX/2023 we were contacted by loan provide Mosaic that our first bill for solar was due XXXX XXXXSince then we have tried working with Mosaic to get an extended due date, forbearance, renegotiation on loan, cancellation on loan or remediation of contract. However, Mosiac will not return calls, email me requested documentation ( I was able to find a contract from a previous email ). They have also NOT acknowledged that XXXX has indeed gone out of business. 

XX/XX/2023 we have made numerous calls to other solar companies, the AZ District Attorney, and been interviewed by XXXX XXXX in XXXX ( covering other customers also being taken advantage of ). The result has been that no other solar companies will work on XXXX ' proprietary equipment, finish their installation, or provide any warrantee for their work. There may be possible class action lawsuit being created by the victimized consumers, but of course that will take a very long time. 

XX/XX/2023 Mosaic has put our account into collections and no longer returning my calls. 

This situation has put my husband and I in a difficult position as we are obviously still paying for high electricity bills in AZ, but are now in collections for a XXXX debt in solar services that we did not, and will never receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: KS

Complaint narrative:
Over the last 4 years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. XXXX also now refuses to allow me to do any disputes online etc. XXXX i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: KS

Complaint narrative:
Over the last XXXX years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. Experian also now refuses to allow me to do any disputes online etc. XXXX i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.

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 2024-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I have been dealing with this for over a XXXX  on my report, and I've done everything with in my power to resolve this and explain to these companies that this debt does not belong to me although my first and last name my be common. I will provided the settlement from Ability Recovery Services as well as police reports, ftc reports etc. Showing proof that this was a result of identity fraud. This accoount from the original creditor XXXX XXXX a school I never attended so I want this removed from my consumer report from all XXXX bureaus and compensation for the time that was waisted. I don't want to keep sending dispute letters for I have done that all to end up having to get a lawyer which I can't afford. If you refer to previous disputes which I made throug this portal their will be more proof.

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 2024-03-10 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: MI

Complaint narrative:
XXXX the balance updated is XXXX XXXX XXXX the balance updated is XXXX XXXX. Equifax the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and XXXX do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. XXXX has account type as an open account. Equifax has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. XXXX does not have anything listed for status. Equifax does not have anything listed for status. These are inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
Experian the balance updated is XXXX XXXX XXXX the balance updated is XXXX XXXX. XXXX the balance updated is XXXX XXXX. These are inaccuracies. 

Experian, Experian and XXXX do not contain last payment date. These are inaccuracies. 

Experian has account type as debt buyer. XXXX has account type as an open account. XXXX has account type as an open account. These are inaccuracies. 

Experian has status as collection account. XXXX does not have anything listed for status. XXXX does not have anything listed for status. These are inaccuracies.

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 2024-03-10 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: MI

Complaint narrative:
TransUnion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. 
I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-10 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: FL

Complaint narrative:
On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  At the XXXX XXXX located in XXXXXXXX XXXX little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " XXXX  approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the XXXX of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take XXXX  months to sell and it has been XXXX years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: CA

Complaint narrative:
Dear XXXX In accordance to the Fair Credit Reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : 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. According to 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. 

Sincerely 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 2024-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted Kohls in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I sent notarized letters to XXXX, XXXX and Experian stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction ( attached is a exhibit of the letter, titled " Letter to Experian Page 1,2,3 '' ). Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. Additionally, I have the federally protected right to opt out of the reporting of my personal information, which was requested in the letter and they have not honored. On XX/XX/2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this, titled " XXXX XXXX. '' ) yet on XX/XX/2024 Experian responded back ( attached is the exhibit showing proof of their response titled " Experian Response. '' ) and they did NOT comply with my requests to remove the mentioned accounts and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Experian can not? Experian is choosing to directly violate the laws created to protect consumers privacy. Additionally, Experian is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX ( attached is the exhibit of my credit report displaying this, titled " credit report 1 and 2. '' ). It is Experian 's duty to abide by the laws that allow for consumers rights and privacy to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have recently opened a checking account with Capital One. Everything went good until I sold my XXXX to a person on XXXX  XXXX. They have sent me the money through XXXX. In 2 hours, I have received a mail saying that my checking account has been restricted due to suspicious activity. I have tried calling the bank and provided them with the information regarding the transactions. They have asked me the number of other party for verification and I have provided them. But later without telling me that theyre closing my account, they have asked for my verification and closed the account and said that theyre ending the banking relationship with me. In the meantime, I have registered XXXX with my other bank account and soon after that the bank has got me restricted from XXXX as well. I have tried reaching the XXXX  support team but they said that they have not been provided the information about why they have restricted and asked me to call the bank. I tried reaching the bank again but in vain. I want the help of CFPB, in order for fairness and accuracy of the reason for closing my checking account as well as restricting me from XXXX. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am reporting identity theft, as this company has reported an eviction on my background report. I have no knowledge of ever having an apartment or owing any money to any company regarding a eviction. I am making this report to the consumer protection agency to investigate and remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX I just received a check from Citi Bank with the amount of {$0.00} by XXXX on Friday, XX/XX/year>, this is truly Unbelievable! Citi still owes me the rest of interest from XXXX thru XXXX which should be approximately {$20.00}. My check, containing all of Savings and checking funds, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed that my account is being closed on XXXX ( which it was ) and that I would receive the check no later than XXXX. However that check didnt arrive until XXXX with a check date of XXXX. Please for verification, pull the recorded call on XXXX from Citi XXXX XXXX in Texas, this is what I was told. As a result, I lost 15 days worth of interest on my money they held up in error for XXXX ( XXXX ) months. They cost me interest as a result of their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am formally writing this complaint in regard to REGIONS BANK. XX/XX/XXXX, a " Notice of Dispute '' I mailed out was delivered to the " dispute department '' of REGIONS BANK prompting them to investigate inaccuracies regarding an account reporting inaccurate information that is being reported to the consumer reporting agencies ( XXXX, XXXX, and XXXX ) to either correct or remove the account in question. It has now been approximately 33 days since the Notice of Dispute was received by REGIONS BANK. According to the Fair Credit Reporting Act pursuant to 15 USC 1681i, creditors are only allowed 30 days to investigate similar to consumer reporting agencies. Otherwise, it is a violation of that statute. I, XXXX XXXX, have also taken into account while reviewing my credit report that this account has been illegally re-aged since it's default further manipulating the statute of limitations on the debt. The date of last activity are as follows currently ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ). I will upload proof as a supporting document. This behavior constitutes fraud and is in fact a violation of the statute 18 USC 1001 when it comes to a person fabricating falsified and fraudulent information regarding another person. These behaviors as a whole constitutes violation of the Fair Credit Reporting Act pursuant to 15 USC 1681s-2 ( a ) and 15 USC 1681n for willful noncompliance. Ultimately and rightfully, I demand the deletion of this tradeline by REGIONS BANK for violations of the Fair Credit reporting Act and fraud.

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 2024-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate.

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXX card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation