vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: NC

Complaint narrative:
I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have no problem, dragging this to the court this bank walk around committed fraud Synchrony Bank by opening an account and give it to someone to use failure to provide information about this account and demand that I must pay for a fraudulent account that does not belong to me I have asked all credit bureaus to remove it out of my credit report the information that Synchrony Bank provided to the credit bureau does not match my information so they remove it off of my credit report, but this bank choose to commit fraud more by keeping this account open and demand that I am responsible for it. I have no problem dragging it to the courts, As a Consumer have the right to request information about this account failure to provide this information Synchrony Bank deliberate doing fraud, I must Old accountable for the action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX attempted to withdraw {$100.00} from the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The ATM did not dispense any money, and I immediately called customer support. After 2 weeks, a claim was finally filed, and then promptly closed. I went to the branch directly on XX/XX/2024 and filed another claim. After investigation, once again, the claim was closed after an " investigation ''. I have an excellent credit history, and direct deposit biweekly. I find it egregious to simply be defrauded of {$100.00} due to a faulty ATM machine. I am not sure what kind of " investigation '' was done, but this is simply theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESN'T HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT.

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX and the following addresses listed on my credit report are outdated and the result of that XXXX : Additionally, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : - [ XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter.

Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The atm simply did dispense what i requested the amount was {$800.00} and i only received {$20.00} my XXXX XXXX XXXX  was credited the disputed amount and debited for the disputed amount this been going on for 2 weeks now about to be 3

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Crescent City Credit Recovery, Inc.
State: GA

Complaint narrative:
i have a bunch of old hard inquiries that i did not apply for someone must hack my info

Company response to consumer: Untimely response
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CFPB Case # XXXX JCPenny Credit Card Acct XXXX XXXX CFPB closed my complaint after company 's response, -- yet they have no record of account, -- and I do! ( see below statement ) XXXX XXXX Senior Specialist, Thanks for your response however it is not justified! You mentioned that you can not produce nor is there any records of my account during the year 2018, -- yet I have the proof ( copies ). This further proved my theory that this was an inside job and this individual intentionally and deliberately sabotaged my account!

The {$1800.00} payment, that I made was in 2018, and this payment was applied directly to different month whereby my account accumulate unjustly late fees, of which I paid, the following month. If you have NO record how can you dispute this? I have the records and can prove it! Whoever this individual was he/she ensured that I repeatedly received late fees despite me paying my bill on time. In addition, and for the record, at no time did I ever pay the required amount, -- I always paid more except for the {$1800.00} payment. 

You are more than welcome to get a copy of my documents for the year 2018, -- the year where all the errors occurred! I would have submitted them as, along with my initial complaint, but CFPB limits the amount of supporting documents. Trust that I am aware of how credit cards, late and interest fees apply however this is not the case regarding my account. 

Understand, that I am not seeking any handouts only what is rightfully owed to me! what I am seeking is money that I npaid in unjustly, unwarranted late fees, -- when I actually paid my bill on time. Also, there is an item that I did not purchased and I would like this refunded as well. While all this was taking place, I called, visited the store etc but could never get it resolve. Also, the name I provided when submitting my complaint is my actual birth given name, and it is the name on my JCPenny Credit Card. 

How would you like me to forward you my evidence file? 
Respectfully, XXXX XXXX XXXX XXXX as it appears on my JCPenny Card )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: IN

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 in those account to be removed.

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a credit card with Wells Fargo for home XXXX  XXXX purchased through a local vendor- XXXX XXXX  XXXX XXXX. This includes a furnace and air conditioning unit. 

For years I paid the monthly balance each month, on time, as part of a special 0 % relationship with the vendor. I do remember the website being cumbersome and difficult to navigate, particularly in setting up automatic payments, but everything proceeded without incident. 

About XXXX months ago, I decided to switch the bank account I used to pay the automatic payment. That was not easy. I had to call for help and the Wells Fargo customer service agents often seemed confused and directed me to set up the payment in the incorrect way. Finally, I thought I had things set up correctly - and, boy, was I surprised! On XX/XX/XXXX, Wells Fargo attempted to withdraw the entire remaining balance on the purchases- over {$8000.00} from my checking account at XXXX. I do not have {$8000.00} in that account, so I got slapped with late fees from XXXX. 

I called Wells Fargo to try to address the situation and understand how this had happened. What I learned was distressing. It suggests that Wells Fargo is using misleading language to dupe customers into paying more than they can afford on their balances. 

What I discovered happened is : Wells Fargo auto pay has an option for Last Statement Balance. That's what I chose, because common sense would lead you to believe that the Last Statement Balance is the amount you owe each month. After all, the statements are monthly. That's exactly how a normal credit card works. They told me that Last Statement Balance means the entire Account Balance, so that's why they tried to remove the entire remaining balance from my checking account. They said it was my fault and that I was responsible for the ramifications. Wow! 

They did help me at least cancel the setup and explained how I could re set up the auto payment correctly, except not at that moment, because they said I had to wait for the current overdraw to clear. 

Well, guess what? Today, XX/XX/XXXX, after I spoke to them and tried to correct everything, they once again tried to withdraw the entire $ XXXX from my XXXX  Checking Account. 

I tried to call back Wells Fargo, but their offices are closed tonight. I will call them back tomorrow, but I would like the CFPB to investigate. After all, wasn't Wells Fargo slapped with record fines by the Feds  a few years ago for fraudulent behavior on a massive scheme? It seems like more of the same! 

Thank you - and please let me know what other information you need. I apologize if my story is not entirely clear and am happy to detail it further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
My credit was ran and now I have multiple inquiries that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
I hired Lexington law 2 tomes from XXXX to XXXX to help repair my credit I was charged fees I wasn't informed and all my personal identifying information was exposed and I was never informed causing a constant and continuous fraud and unauthorized access and use of my name fees was not explained and money taking out without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: WI

Complaint narrative:
Have collection on my account and not supposed to be on there XXXX XXXX XXXX XXXX bankruptcy should not be on 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 non-monetary relief
Consumer complaint received 2024-08-01 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The following information has been included in my consumer report. Under 15 USC 1681a # 2. Your company falsely reported information that resulted in defamation of character. Additionally, you created a deceptive form that led creditors to believe that I was in debt, despite being unable to prove its validity. As a result, I was discriminated against and denied my right to extend credit. I never gave consent for this reporting, and this report being furnished by you on my behalf makes you liable under the Gramm-Leach-Bliley Act, 15 USC 6802.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is to follow up about a matter of utmost urgency regarding my account with Credit Bureaus, which has been erroneously flagged for late open. These inaccuracies have had severe repercussions on my financial standing and must be rectified immediately. Despite diligent adherence to the terms and conditions outlined in my account agreement, I was dismayed to discover that my account was flagged for late closure. This erroneous designation has tarnished my credit history and impeded my ability to secure favorable financial opportunities. Such unauthorized disclosure of sensitive financial information has exposed me to potential identity theft and financial exploitation. I demand immediate action to rectify these egregious errors. Please help me correct the account XXXX XXXX XXXX XXXX XXXX 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