vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Legal Clarification The Apple Savings card and savings account bypasses spousal consent in transferring money from community property banking accounts into a restricted access seperate account. Is this consistent with the interpretation of federal and state community property laws? With fingerprint encryption, this account design allows one spouse to hide account transfers from the other spouse. This lack of transparency becomes problematic for account balance information and tracking spending within community property banking accounts. Thank you for the banking clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
On XX/XX/year> I thought i was buying {$60000.00} worth of solar panels from a sales man named XXXX XXXX working for a company called XXXX XXXX XXXX. Yet I only received {$30000.00} worth of panels It took me a long time to figure out why they were not " working '' the way i was told they would when i purchased them. I sent a complaint to the Office of the attorney general and they suggested i reach out to the finance company ( originally Loan Pal now Good Leap ) and see if they could " help '' in some way i did and it took 3-5 times of my calling them eventually someone came out and assest my equiptment it is clear i do not have the amount i was promised to sustain my home. Yet good leap said there is nothing they will do. The only thing they can help with is if my current system is not functioning. This has been a very overwhelming process the solar panel company went out of business the finance company has changed i have spent hours and hours on hold trying to figure out where the problem lies not to mention the 12 month process of having these people install them which was aweful and draining. I am a single mom off XXXX that was XXXX XXXX  thru the entire sales pitch thinking that i was doing something to help myself by lowering my power bill while investing in myself and my property instead doubled my cost by getting them. Please let me know if there is anything that can be done i do not know what else to do and it is alot of money that i really have nothing to show for it! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
This auto loan account was included in XXXX Bankruptcy and discharged on XX/XX/year>. The information being reported to the credit bureaus inaccurately reflects an open status and balance due. The Gramm-Leach-Bliley Act protects me from unfair practices of financial institutions. FCRA REQUIRES credit bureaus to report accurate and verifiable information. Because the information being reported is inaccurate, the consumer reporting agency and the furnisher of this information to the consumer reporting agency violates the FCRA. DELETE THIS ACCOUNT IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This auto loan account was included in XXXX Bankruptcy and discharged on XX/XX/year>. The information being reported to the credit bureaus inaccurately reflects an open status and balance due. The Gramm-Leach-Bliley Act protects me from unfair practices of financial institutions. FCRA REQUIRES credit bureaus to report accurate and verifiable information. Because the information being reported is inaccurate, the consumer reporting agency and the furnisher of this information to the consumer reporting agency violates the FCRA. DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Its been a year since i found out that XXXX credit card was opened without my consent. I have disputed it, that didnt work. I have filed a identity theft affidavit, that didnt work, i have filed a police report, and that didnt work. I have finally agreed to settle this account with the creditor because i care about my credit, however i never opened this account. How is a person supposed to survive with the identity theft and i get no help from the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Its been a year since i found out that XXXX credit card was opened without my consent. I have disputed it, that didnt work. I have filed a identity theft affidavit, that didnt work, i have filed a police report, and that didnt work. I have finally agreed to settle this account with the creditor because i care about my credit, however i never opened this account. How is a person supposed to survive with the identity theft and i get no help from the credit 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 non-monetary relief
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Credit and Collection Accounts Under FCRA Dear Experian, Equifax, and Transunion, I am writing to formally dispute fraudulent credit card and collection accounts appearing on my credit report. These accounts were fraudulently opened in my name while I was in and out of the hospital fighting for my life due to severe health conditions, including cXXXX XXXX XXXX XXXX XXXXXXXX. I have been under continuous medical care since XX/XX/year>, requiring multiple medications and a permanent defibrillator. At XXXX point, I even died on the operating table for XXXX minutes. 

I recently applied for a loan to purchase a truck and was shocked to discover unauthorized credit cards and addresses on my Experian, Equifax, and TransUnion credit reports. Upon reviewing my report with a salesperson, I realized someone had stolen my identity to obtain credit without my knowledge or consent. I immediately contacted each creditor to report this fraud, and after explaining my medical history and situation, they confirmed I was a victim of identity theft. They advised me to obtain an identity theft police report, which I have since filed with the XXXX XXXX Police Department, along with an FTC Identity Theft Affidavit. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am demanding the immediate removal of all fraudulent accounts, as I did not authorize or open them. The law mandates that credit bureaus block identity theft-related information upon receipt of an identity theft report. I am providing supporting documents, including my identity theft police report and FTC affidavit, as evidence that these accounts are fraudulent. 
The following fraudulent credit accounts must be permanently deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following fraudulent collection accounts must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below is a list of the addresses reporting on my XXXX bureau credit report that is not mine as well that I demand to have permanently deleted from my XXXX XXXX credit report : 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 I expect these items to be removed immediately in compliance with the FCRA. Please provide written confirmation once my credit file has been corrected. If these fraudulent accounts are not removed within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this urgent matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I tried to submit the following request to customer service : Hello, I believe my information has been shared improperly and am requesting documentation of any third-party disclosures under FERPA in regards to my student loans. 

I am unable to get a response and submit this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
On several occasions, I have written to Celtic Bank/Continental Finance XXXX asking them to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


Celtic Bank/ Continental Finance XXXX Account 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 2025-02-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-02-11 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:
credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts & Unauthorized Inquiries Request for Immediate Deletion Under FCRA Section 605B Dear Credit Bureau, I am writing to formally dispute the fraudulent accounts and unauthorized inquiries appearing on my credit report due to the Equifax data breach that exposed my personal information. As a result, I have become a victim of identity theft. 

Under FCRA Section 605B, I am requesting the immediate removal of these accounts and inquiries from my credit report as they were fraudulently opened or accessed without my consent. Additionally, these inaccuracies violate Metro 2 Compliance Standards and XXXX reporting guidelines, requiring their deletion. 

Disputed Accounts ( Must Be Deleted ) : 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 Unauthorized Hard Inquiries ( Must Be Removed ) : XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Experian ) As per FCRA Section 605B, once I notify you of identity theft, you are legally required to block and remove these fraudulent accounts and inquiries within four business days. 

Requested Actions : 1. Immediately delete the fraudulent accounts and hard inquiries from my credit file. 
2. Provide me with an updated credit report reflecting these corrections. 
3. Cease reporting these items to third parties, including creditors and lenders. 

Please confirm in writing that these fraudulent accounts and inquiries have been removed. You may contact me via the information provided above if further details are required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts & Unauthorized Inquiries Request for Immediate Deletion Under FCRA Section 605B Dear Credit Bureau, I am writing to formally dispute the fraudulent accounts and unauthorized inquiries appearing on my credit report due to the Equifax data breach that exposed my personal information. As a result, I have become a victim of identity theft. 

Under FCRA Section 605B, I am requesting the immediate removal of these accounts and inquiries from my credit report as they were fraudulently opened or accessed without my consent. Additionally, these inaccuracies violate Metro 2 Compliance Standards and XXXX reporting guidelines, requiring their deletion. 

Disputed Accounts ( Must Be Deleted ) : 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 Unauthorized Hard Inquiries ( Must Be Removed ) : XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Experian ) As per FCRA Section 605B, once I notify you of identity theft, you are legally required to block and remove these fraudulent accounts and inquiries within four business days. 

Requested Actions : 1. Immediately delete the fraudulent accounts and hard inquiries from my credit file. 
2. Provide me with an updated credit report reflecting these corrections. 
3. Cease reporting these items to third parties, including creditors and lenders. 

Please confirm in writing that these fraudulent accounts and inquiries have been removed. You may contact me via the information provided above if further details are required. 

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: IN

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion I requested that the information being reported to my credit report be investigated. 

I have not recievved proof of how they Investigated the alleged debt on my credit report. 

Failure to provide how they verified the debt Being reported on XXXX credit report. 

XXXX XXXX XXXX XXXX are stull Showing on 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