vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I took this loan out and asked if i ever needed to get a line of credit or a refinance if they would lift their XXXX lien on my property since this is a solar loan. I have called numerous times and have asked to speak to a manager and they say no one is available. I have sent several emails per their instruction and no reply. Because they wont remove the lien I am now being required to payoff the loan using the line of credit which is at a higher rate. The intention for this line of credit is to use to pay for my daughters college which now i will have to seek a loan at a higher rate to pay. The loan contract speaks to the lien process and them removing the lien, they stated " May '' remove lien upon request and they are saying not guaranteed. They never notified clients that they do not remove liens. This company is practicing deceptive lending practices. I have called on following dates XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 I have emailed them as well and have tried to reach out to their leadership team via linkedin with no success. They also are reporting this loan as a mortgage loan on credit and it is not a mortgage It is a loan used for solar/home improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by XXXX, Experian, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : XXXX. Discrepancy in Last Active Date : XXXX reports the last active date as XX/XX/XXXX. 
Experian reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

XXXX. Discrepancy in Dates Opened : XXXX reports the date opened as XX/XX/XXXX. 
Experian reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely, 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My MERRILL EDGE checking account was flagged and they would only accept certain forms of ID with my current address so I came back to them a couple months later with those exact forms of identification they asked for. I was told to wait 1-2 days and now Im being told 4-5 days. This was already after submitting credit card statements, bank statements and still they would not verify my funds. They want to hold my money and are not releasing it. I asked them if they could close the account and just mail a check and the answer was NO. I asked if they could send me some type of confirmation email letting me know how many days it would be for my funds to be released since I submitted the documents, and the lady on the phone said theres no way she can send an email. They have already verified my address, text to the phone number I have on file, and so much more. This is ridiculous.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XXXX of XXXX I was contacted by phone and asked if they could count on my support AGAIN for the local police dept by purchasing an ad on a XXXX calander. This was routine and I gave em my Capital One card #. Come XXXX hadn't received it, waited til XX/XX/XXXX or XXXX started calling XXXX XXXX only to find the numbers weren't working anymore. I then called Capital One to dispute it. About 2 weeks later they asked for me to upload any receipts or documents about the case in which I had none and the gal I spoke to said to write it out on paper and upload that to a particular address. So I did plus I sent a previous year 's calander. A couple weeks later they closed the case saying I was past the 60 days to dispute it. So I called Capital One back and tried explaining it was protocol for them to take 4-5 months to sell the ads, design, print and distribute. I was told to call back and ask for a supervisor to reopen case. Frustrated, I went back on line searching for the merchants number, clicking links with BBB and so forth, I finally talked to a person and they claimed they never received payment, therefore no calander or advertisement. So I called and made contact with Supervisor XXXX XXXX, at Capital One whom not only called the merchant a liar, but myself as well, he made contradictions concerning the time limit for disputes ( 30 days, 60 days ) He wouldn't give me any information as to whom they paid the {$250.00} to, he said I must've called the wrong people. I asked to speak to his supervisor and he claimed to be " The supervisor '' when I asked if he had a boss, he said they don't take phone calls. He said the only thing for me to do was to file a complaint against the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
XXXX, Experian and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.

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 2024-03-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: COMMERCE BANK
State: LA

Complaint narrative:
Acts 2005, No. 296, 1, eff. XX/XX/2005. 
Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 


Home of record is Louisiana. In Louisiana they have state XXXX laws due to being in a KP state. These laws are for XXXX XXXX service members loans that were open before or AFTER entering XXXX XXXX. 

I have provided documentation on these LAWS 2 times and been denied. They are not willing to help lower the interest rate per Louisiana laws

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 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: VA

Complaint narrative:
First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which Experian, XXXX, and/or XXXX obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX XXXXn pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA.

XXXX  confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. XXXX has since deleted XXXX from my report which also needs to be deleted from Experian and XXXX for consistency in reporting. 

Due to the aforementioned negative details on my Experian, XXXX, and XXXX report need to be removed and accounts updated to paid as agreed. FCRA

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has two separate User Interfaces for selling cryptocurrency. The simple, and default, user interface has fees that are 2-3x as high as using the alternative interface. On XX/XX/year>, I sold {$12000.00} in XXXX cryptocurrency and got charged {$180.00} in fees. The fees on the 'advanced ' / alternative user interface would have been far lower -- {$76.00}. 

On XX/XX/year>, I contacted Coinbase in order to receive a refund for the difference in fees for the sale. The agent refused to make this refund, additionally incorrectly claiming that it was due to the order type or the fact that the transaction happened on the blockchain. Neither are relevant to partial refunds of Coinbase fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year> XXXX, I tried to set up an account with Experian so I can freeze my credit report. The website keeps giving me an irrecoverable error. I called XXXX at XXXX to try and resolve the issue. I keep getting the menu that has no option to fix this. I asked for customer service and it says it can not connect me. I was able to freeze my credit but it will not allow me to create an account for future use. How can this company make a living off our information and then not give proper service? It could be that I set up an account over 20 years ago back when XXXX was a thing. I can only guess since I can not talk with a human. Please help.

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 2024-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Auto Finance Auto Financing XX/XX/2023 This Inquiry is unauthorized and must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
See the attached documents.

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 2024-03-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
VENMO agreed to pay XXXX back. FROM FRAUD/ unauthorization charges. 
As you can see the last complaint. 

Which will pay off everything that was scam/fraud. 

On XX/XX/XXXX they freeze my account asking me to pay back XXXX Assuming that since they credited me an extra XXXX.. I would pay it back .. still didnt know why it was only {$160.00} until I made a payment and they did not release my credit Of {$160.00} XX/XX/XXXX and {$75.00} XX/XX/XXXX I thought if I made a payment of {$160.00} They were gon na unfreeze my account Which will leave me balance XXXX .. if they re-credited XXXX my account total XXXX I made a payment back to un freeze XXXX Venmo take from XXXX Venmo take from XXXX Venmo take from Until I message them they told me it was from the last XXXX Fraud charges which was supposed to be taken care of by Venmo .. told me it was only temporarily credit now I need proof Thats what Venmo sent me which XXXX would think it would be in file already but Im guessing they dont have it in file. 

XXXX + XXXX {$390.00} XXXX So now that I paid {$160.00} they took the credit that I have in my account which left me with XXXX So basically out of the XXXX. 

Venmo owed me {$190.00} now since I repaid, and they took what I had left in my account, which shouldve been taken care of the last time, I made the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023 I was in XXXX and took a pedi cab ( bike driven taxi ). After being dropped off the man told me it would be XXXX pounds. I swiped my card and he rode off. Immediately I see a text from citi bank asking if the charge for {$2500.00} was fraudulent. I immediately hit yes and call citi bank ; they cancel my card and send me a new one. I think this is taken care of. However, the pending charge became a posted charge and so yet again I am calling citi bank. They say it must be turned into a dispute since it is a posted charge. I supply the information ; as I do not have a receipt as it was a man on a bike. 
They have " resolved '' my dispute and said it is my responsibility. I am deeply frustrated with how this was handled as I took immediate action and in no way shape or form thought should I be held liable for {$2500.00}. 
I would like citi bank to protect their customers as they claim they do.

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