vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
We bought solar panels through XXXX XXXX, and financed over $ XXXX through a loan bought by PenFed Credit Union ( XXXX was the solar company and XXXX was the initial lender ). We installed the XXXX solar panels in XXXX after several months of frustrating installation process, the panels were finally operational in XXXX of XXXX. We had to start paying the loan payments then. We were initially sold one type of panel and then told they couldn't get that one and were giving us a better producing panel type instead. We've had challenges ever since. it started with a leak in a our roof caused by them putting a nail hole in the roof during installation and not covering it. it leaked through and caused damage to our ceiling as well. XXXX was terrible to get help and we had to try to work through our sales person XXXX. XXXX finally came, admitted the problem the roof and said they would send someone to fix ceiling, then wrote a report stating it was was caused by us and not them to get out of fixing ceiling. Customer Serv refused to help us and we had to again work sales person for months. Then in XXXX XXXXXXXX  we started getting large electic bills, and called both customer service and our Sales Person and got no help for months. We kept gettting larger bills and finally got someone to respond to us in XXXX, but no one could come service until XX/XX/XXXX. Unbelievable!. So another month went by. When the Service came finally, 29 inverters of 34 panels had never worked. He supposedly fixed them all and we can see ( from the app that tracks working panels ) that they are still not working today. Plus we are out months of electric bill money we had to pay on top of our $ XXXX loan for this piece of XXXX  and no one will help us. we called again today and they claim they don't have the parts, after their service guy lied and said he fixed them all. We need this fixed now and we need our lost money ( {$720.00} ) for electricity for all of the lost solar, which was promised in the contract. No one will respond to us. We've had to continue paying our loan payments for a product that has never worked for which PenFed financed. We are not getting any help from the company and can not cancel the loan or stop paying it to avoid having credit issues. This is predatory. The lender is doing business with a company who is selling non-working products to the public and then we are stuck paying the credit to avoid having our credit impacted. And we then still have electric bills, have had our house damaged, and no reimbursement at all!

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX, ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.

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 2023-11-28 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: VA

Complaint narrative:
A while back, I successfully settled the outstanding balance on my account with XXXX XXXX XXXX XXXX ensuring it is now paid in full. However, despite this resolution, the entry persists on my credit report. I promptly contacted the company to request the removal of the account, but the issue remains unresolved. Despite my persistent efforts, the inaccurate information continues to impact my credit history. I am actively engaged in ongoing communication with XXXX XXXX XXXX XXXX  to address this discrepancy promptly. It is crucial that the necessary steps are taken to rectify this issue and update my credit report to accurately reflect the current status of my account. I remain steadfast in my commitment to resolving this matter and maintaining the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've sent letters asking for validation about all the accounts and hard inquiries. My information was was apart of the eqifax data brench. All the information reporting on my cumsumer report is wrong. The equifax data brench has made my cumsumer report score bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My trip back from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ) was delayed because my daughter got into an accident and hurt her leg badly. We had to delay the trip and hence had to pay the difference in price for the travel back. 

I used Chase Sapphire card for the trip which claim that they have trip delay insurance. In this case, inspite of filing the claim and going back and forth several times with the claims department, my claim was rejected saying it is not a covered benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and they clearly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CT

Complaint narrative:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I checked my free Experian account 's supposed up to date XXXX XXXX online that states as of XX/XX/XXXX, my XXXX XXXX is XXXX. After confirming my score, I then went to XXXX XXXX in XXXX XXXX, Colorado to secure an auto lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. When I gave XXXX permission to pull my credit report and score for approval from Experian, the information came back as my credit score being XXXX, which is XXXX points lower than my credit score is being reported to me. 

I left XXXX and immediately contacted Experian. I spoke to and was transferred to several specialists that confirmed that my XXXX XXXX is and has been XXXX for some time. I was transferred to someone in membership services and explained my concern with the inaccuracy of my credit score through them. I was told that I should have showed XXXX my credit score from my online account rather than having them pull my credit score from Experian, I have never heard of that being a procedure for any other credit inquiry. I was then told that XXXX creates its own score from its own criteria after they pull from a credit reporting agency and that's why the scores are different. I asked if that means that this inaccuracy is XXXX 's problem and they said yes. I then immediately called XXXX to verify if this is true and they assured me that that is not their procedure and not how they do business. 

Therefore I have come to the conclusion that Experian is discriminating by misrepresenting and reporting inaccurate information from my credit report which led to XXXX 's adverse action to deny me the auto lease. This is to my detriment and impairing my ability to do business as a consumer, and violates XXXX XXXX. XXXX ( b ) for Experian, a credit reporting agency, to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have never missed a payment on this car or any other car or credit card, etc. Ive worked very hard to maintain an XXXX XXXX XXXX and I dont think that I should be penalized for capital ones mistake. The car was paid off on XX/XX/XXXX and was confirmed electronically on XX/XX/XXXX. I had even check in again with the dealership on XX/XX/XXXX to confirm that payment had cleared and they assured me it had. I have provided all the documents and bank transfer paperwork to capital one and still was not offered any type of resolution. With XXXX look at my account anyone can see that I have stellar payment history and I would never let this happen to my credit without some type of error on their part. 
Thank you for taking the time to look into this issue. I know that a lot of companies just look at issues like these as XXXX less customer but I have worked very hard to maintain a high credit score and I feel that capital one shouldnt hold me liable for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address inaccuracies in my consumer credit report issued by Experian. After identifying errors in personal information such as wrong addresses, an incorrect last XXXX social, employment details, personal cell phone, date of birth, and an inaccurate full name, I promptly notified Experian in writing. 

However, their response indicated a mere verification of the information, which was not my request. I explicitly asked for the removal of the inaccurate details, backed by proper documentation, including my social security information, military ID card, and proof of address. 

I kindly request your immediate attention to correct these inaccuracies on my Experian consumer credit report. 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed my personal statement and XXXX  wont remove it from my credit 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed my personal statement and XXXX  wont remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Examine the attached documents. Initiate an investigation into the accounts that, despite my punctuality, are reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-28 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: U.S. BANCORP
State: OH

Complaint narrative:
I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted US BANK ACCOUNT NUMBER ( XXXX ) on XXXX XXXX XXXX XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal XXXX  and XXXX  to me due to its potential long-term financial implications. 

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.

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 2023-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MI

Complaint narrative:
Today, XXXX  XXXX XXXX, 2023 at approximately XXXX EST I called IQ Data International , INC for an debt they are attempting to collect. I initially received a collection letter from them and the account was already reporting to all credit bearuas and there was no formal communication prior to the reporting. I never had contract with this debt collect. In attempt to get this debt verified I submitted a letter XX/XX/2023. 

Today 's call was to get clarification and some resolve to the issue, instead I was verbally assaulted, belitted and yelled at by a representative by the name of XXXX who I was connected to after speaking with representative XXXX XXXX at XXXX. This rep was rude and asked me to resolve my debt by asking family and friends and when this was not an option she asked why I could not I ask family and friends to help and asked " was it because they did not have jobs '' and she was unwilling to help resolve the issue and provide adequate proof of this debt. As of today I was told that interest is accurring daily but the letter states its " XXXX percent per annum '' grand total as of today is XXXX. Document dated XXXX dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I obtained this credit card to be able to finance a piece of furniture. I since have paid off my debt with them and was considering whether or not I should keep the account open. While I thought about my decision I reached out to the company asking how I would go about closing my account if i decided to do so. I did not at any moment ask them to close my account nor consent or sign anything agreeing for it to be closed. In the following days I got notifications from them saying that my account was closed. When I reached out via phone I was told nothing could be done despite the fact that I did not ask for this to happen in the first place. I was not given another alternative, I was simply told that my account could not be reopened and the only way I could have an account is to re-apply. Them closing my account without my consent will now negatively affect me and my credit score and their only alternative of me applying for an account will also negatively affect my credit score. I was given no alternative solution that did not negatively affect me. I now have {$8000.00} less in available credit than I did before. The company had no reason to close my account without my consent or confirmation, especially considering that my history with them has been exceptional. They have not provided an adequate resolution for me and it has been very frustrating.

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