vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. 


XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX   Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX  Has violated my rights 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

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. 


XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : 1. XXXX XXXX XXXX XXXX Charge Off Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX Collection Account 4. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Starting in mid XXXX I have been in contact with LVNV Funding a collections agency that has been furnishing negative information to the credit bureaus in regards to an alleged debt that they now hold for collection. On XX/XX/2022 by way of certified mail I gave notice to LVNV Funding that the response provided from the agency did not meet the criteria to validate a legal agreement with them regarding the account they claim I am in debt to them for. 
After a number of days and upon disputing the negative information, LVNV apparently agreed to remove the negative information, XXXX reflected the account as removed at which point I also disputied they negative information with XXXX based on the the deleted negative information/account via XXXX. The account in question is nolonger present via XXXX, but has been resubmitted for reporting a number of times since mid XXXX by LVNV ... to XXXX and XXXX. I have contacted the collection agency more than 3 times placing them on notice of there illegal practices as they have continued to provide false reports to the bureaus. In the most recent communication I have placed LVNV on notice that I will pursue relief for each month that they have reported such negative information since the account has been deleted in an attempt to alleviate this illegal pursuit on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Transunion, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now youre not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/ but between XX/XX/ and XX/XX/, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Chime Financial Inc
State: GA

Complaint narrative:
I was reviewing my statement from XX/XX/XXXX  on my chime app account I noticed 2 errors on the billing statement that was incorrect it was for an ATM cash withdrawal for - {$500.00} on XX/XX/ that I didnt authorize this EFT transaction I contacted chime to start a dispute but since it was pending at first they said I had to wait until it settles on my transaction list. A chime customer service also said once money settles it should come back to account it never did and Ive heard nothing back about it yet and this is money that has been taken from me I was given a dispute number XXXX and XXXX by a chime customer service rep. for this error but still havent received my funds back into my account for this unathorized transaction The second error on my billing statement that was incorrect was for another unauthorized EFT transaction on XX/XX/ for {$500.00} I didnt authorize this transaction and money has been taken out of my account I emailed chime support and have not heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Transunion, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now youre not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Experian, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now your not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas. 
the florida operations went out of business. 
we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california. 
we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX. 
we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago. 
the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to. 
XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago. 

everything is documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I invested in a XXXX  month rising rate CD with Santander Bank in XXXX of 2022 at 0.2 %. I chose this CD because I was told I could make a one time rate adjustment anytime during the term and was expecting that rates to go up. 
Last fall I went to my local branch and requested that the CD rate be adjusted according to the terms of its rising rate. The bank employee checked with a central office and was told that the rising rate CD was no longer offered. Of course, I still had that product, but they refused to honor their commitment. 
Instead, I was offered good rate of 4.16 %, but required to close my CD and invest in a new XXXX  month CD. I really wanted this rate but with the expiration date to match the rising rate CD that I had. The bank refused. I was upset, but decided not to fight them. My rising rate CD was closed on XX/XX/2022 and I was given the XXXX  month CD. 
When I was preparing my tax return, I noticed that Santander had charged me an early withdrawal penalty ( which I had been told when I accepted the new CD would not happen ). This was again an example of their refusing to adhere to commitments.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I was locked out of my Apple phone and Apple account because I forgot my Apple ID password after the IOA 16.1.1 " upgrade '' was forced downloaded on my phone. I save my passwords on my phone, which previously allowed for access through my unique thumb print. The recovery process allows for confirming my Apple credit card number ( Apple card through Goldman Sachs ), which I attempted to do by calling Goldman customer service to obtain. The credit card has no account numbers or even a phone number displayed on the card for instructions for who to call when you have any type of problem. I found the phone number by searching online. 

I spoke to a Goldman representative who informed me they " don't have access to my full credit card number, only the last 4 digits. Having been " locked out '' of my Apple account, I can't access my Apple credit card information which is in my digital wallet. Fortunately, I don't owe anything on my account, otherwise I wouldn't be able to make a payment because Apple won't recover my Apple account until XX/XX/2023. They transferred me to an Apple representative, whom also couldn't provide my full account number. 

I'm literally locked out of my profile, which includes access to both personal and business email accounts, all contacts, all financial records and accounts that are " digital '' in nature, as well as any preferred media locations. 

My concern is with Goldman Sachs inability to provide me with information that would have allowed me to recover my account information at Apple, but also Apple Corp for not being able to assist me recover " my data access '', which they should be able to do through a simple verification process. I get the security concern, but I could get them to a point where they would know I am who I represent to be. I had to go and purchase a new cell phone after having been " locked out '' of my existing phone, at which time a representative at XXXX XXXX XXXX could have confirmed my physical identity with Apple, should that have been offered. 

This is an unthinkable situation that is being driven by Apple and their partner Goldman Sachs. How can someone become " locked out '' from their digital profile, restricting or eliminating access to digital financial products.

Company response to consumer: Closed with explanation