vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Charged twice for the same monthly payment. Contacted Apple Card/Goldman Sachs support and spent over an hour with them, chatting and on the phone. Explained to them that I only authorized one monthly payment, not two. They stated they can not do anything because the payment was already authorized with my bank and that I would have to contact my bank. 

When I checked with my bank, they stated the merchant ( Apple Card/Goldman Sachs ) had not yet completed the transaction. This objectively different from the information received from Apple/Goldman . I then relayed this information back to them Apple/Goldman and was put on hold. They came back and stated that they recognize that an error had taken place where they charged two payments and that both payments had not yet been finalized. However, they stated couldn't reverse the charges and could only file an inquiry. They stated I would have to wait 10 days for a result, despite them acknowledging and admitting that Apple/Goldman had made an error. When I inquired what exactly they needed to inquire when they already verified that they had made a mistake, they stated I would have to wait 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I had just received a new card from cash app, went to XXXX XXXX to purchase some ice, some kind of way my card must have fell out of my purse. The lady behind me went ona shopping spree with my card. I did not learn of it until XXXX the next morning, i called Cash appt right away could not get them so i called the police, filed a report they went to the store and saw the video and called me back. then i was able to get a hold of cash appt and file a report, when they got back with me they refused to give me my money back. I then called two liquor stores about the purchases they had on videos. i have kept trying to prove to cash app that i did not do this. I am a XXXX person and i would not do this to myself. I got back with the police wasn't able to get the video, but got my police report and sent it to them and still they are telling me that i made those purchases, i had just had money sent to me that same day so i could pay my bill, i have submitted my report 6 times and still they won't help me. the amount of money stolen is {$530.00} Pl help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account does not belong to me and is being inaccurately reported on my credit report having. 

I am making this complaint have this erroneous reporting removed. As in Wenger vs. Trans Union Corp., No. 95 6445 ( C.D.Cal. Nov. 14, 1995 ), XXXX will be liable for their willful noncompliance. 

In accordance with the Fair Credit Reporting Act under its laws : XXXX Account # XXXX has violated my rights by reporting this erroneous account. 

This account was part of an investigation of fraud and improper use of personal information from a marketing scam in XXXX via a 3rd party with inside misleading applicants using innocent consumers information collected as part of a resort tour. 

15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission for XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate.

I appreciate your prompt attention to this matter.

Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law.

Thank you for your time and help with this matter.

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 2023-06-26 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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.

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 2023-06-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Back in XXXX  I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the heart increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
The credit card account with Navy Federal is closed and has been closed for some years now. But they are still reporting on my credit report saying Im behind in payments even though the account has been closed by them. They recently reported this and hurt my credit score tremendously and also hurt my score when they closed the account. I need this information removed immediately, from all credit bureaus. If they still wanted me to pay on the account why did they close it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
XXXX internet service has placed a equipment charge of XXXX in collection with Eastern account system that's on my credit report. That was opened on XX/XX/23 and I have spoke with XXXX cable service five times in the last month. I spoke with XXXX on XX/XX/23 and confirmed that they received their equipment on XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from Experian via email, again telling me to dispute online which will take away my consumer rights, and XXXX has also sent me a letter stating the same. Unfortunately, XXXX has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I have contacted both XXXX XXXX XXXX and Early Warnings and the companies have not responded. 

This email is to dispute and request that the fraud included on my Early Warnings report related to XXXX XXXX XXXXXXXX on XX/XX/XXXX be removed. 

On XX/XX/XXXX, a fraudulent check was deposited into my account electronically. I did not deposit the check ; my account was somehow compromised. XXXX XXXX XXXX noted the check was fraudulent and returned the check. XXXX XXXX XXXXXXXX also provided me with notice that it would hold the funds in my account and determine whether the account was to be closed. 

On XX/XX/XXXX, I received notice that the account would be closed and would be reported to Early Warnings, I have attached a recent report that indicates I conducted fraud on her account. I did not commit fraud on my account, and I am not clear why Early Warnings is reporting all this activity on the Early Warnings report. 

When I learned the account was being reported to the Early Warnings, I opened an investigation with risk management in XXXX of XXXX regarding the account with XXXX XXXX XXXX. The claims record # XXXX. Following the investigation, we received notice the bank account that was previously closed on XX/XX/XXXX was reopened. I assumed the information reported to Early Warnings had been corrected, when I tried to open an account with a financial institution, I learned that a fraud alert was listed. 

In addition to details regarding my account and the fraudulent activity I am attaching the police report I filed regarding the fraud that occurred on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My XXXX XXXX GM card and all GM card customers was purchased by Goldman Sachs, the new card was called a Marcus GM card. Starting mid XX/XX/XXXX  the database transitioning caused my monthly payment I had scheduled XXXX XXXX to fail to post on the XXXX. It took them 2 to 3 months for them to find the missed payment before I was notified and their database was not working. Late fees and interest on my new monthly statements were adding up and hrs on the phone to get a customer service. On XX/XX/XXXX, I called Marcus to request a payoff total, I was informed {$60.00}. I made that payment, on the phone, my balance should have been {$0.00}. Along comes another statement, the payment I made should have been, {$89.00}, more interest and a {$40.00} late fee, their customer service on XX/XX/XXXX, gave me the wrong payoff amount. The statement dates were, XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX, I made another payment of, {$69.00}, I was informed that was the best way to avoid more fees and interest, also to dispute the {$40.00} and the {$0.00} interest. On statement dated, XXXX XXXX XXXX XXXX XXXX XXXX, there is a {$29.00} fee charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with PNC Bank. While, I was familiar with PNC, the debt was charged off in XXXX. For seven years, there was no communication from PNC or XXXX XXXX XXXX XXXX, indicating it had been turned over to a new servicer. 
Throughout the dispute, XXXX XXXX XXXX XXXX back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. XXXX XXXX XXXX XXXX agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXX themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that XXXX XXXX XXXX XXXX was not licensed to act as a debt collector in Florida, Maryland or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank put my funds on hold without communication/explanation. I have called several times and spoke with several people who have not been able to resolve this issue. 

I was told by Synchrony that because my Mom, who also had an account at Synchrony Bank, and I have the same name - and my Mom recently passed away, the bank made an error and put a hold on my account due to the same name mix up. I have not been successful at trying to resolve this and have not been able to access my funds for more than two weeks. I have spent more than 12 hours on the phone speaking with Synchrony associates who have not been able to rectify this issue. I requested to speak with a manager and spoke with XXXX who assured me that she would resolve the issue and call me back. I have not heard from anyone at Synchrony. My direct deposit paycheck was refused by Synchrony and I had to call my employer 's bank to receive the funds into a different 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or 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