vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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
Consumer complaint received 2024-01-26 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: MO

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 non-monetary relief
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :

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 2024-01-26 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: MS

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously filed an Identity Theft Report addressed to Experian due to their persistent reporting of an invalid and erroneous account under my name. I marked it as a fraud account because my XXXX account is paid off, as confirmed with the original creditor. I called them personally, and there have been no delinquent payments for the past 5 years of having this account. Any use of my personal information without authorization constitutes fraud and impostor activity, violating my privacy. 

I want to highlight that my date of birth and address on my Experian account were incorrect. I've attached my driver 's license ID and current proof of billing as substantial evidence that the address they reported doesn't match mine. Lastly, please correct and eliminate the misleading and inaccurate report of the account below : Account Name : XXXX XXXX Account Number : 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: IL

Complaint narrative:
XX/XX/2023 I received a late payment report with American First Financial my last Payment was XX/XX/2023 as shown on my report. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( AFF ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and the company. 

Furthermore, I am requesting that according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Venmo and Synchrony Bank concerning a series of unauthorized transactions on my Venmo account ending in XXXX, which total {$1900.00} as of XX/XX/year>. 

Despite my persistent efforts and eleven separate attempts to have these fraudulent charges addressed, I have yet to see an adequate resolution from either institution. The persistence of these unauthorized charges is deeply concerning and undermines my confidence in Venmo Credit Cards and Synchrony Bank 's ability to handle this severe issue responsibly. 

The immediate correction of these errors is vital to the integrity of my financial records and my trust in the banking system. Each of my contacts with Synchrony Bank 's and Venmo 's customer service, fraud department, and fraud investigations team has failed to yield any progress, leaving me no choice but to seek external intervention. 

The lack of action on their part has not only been disheartening but has also negatively impacted my credit historya direct result of their failure in customer service and neglect of duty to their customers. As stated under California Penal Code 484e ( d ), unauthorized use of credit information is a severe breach of trust and considered a criminal offense. The ongoing inaction by both Venmo and Synchrony Bank to address and correct these charges is suggestive of a violation of this statute, demanding prompt and effective corrective action.

Therefore, I respectfully implore the Consumer Financial Protection Bureau to step in and ensure that both Synchrony Bank and Venmo address this matter with the severity and urgency it warrants. It is crucial that : 1. A full reversal of all unauthorized charges totaling {$1900.00} on my account is enacted immediately. 

2. A comprehensive correction of my credit report is undertaken to expunge all negative impacts resulting from this incident. 

3. I receive both written confirmation and oral communication via phone from Synchrony Bank and Venmo Credit Card Services, confirming the removal of these charges. 

4. A detailed explanation of preventive measures to be implemented is provided to protect against future fraudulent activities. 

Should this matter remain unresolved, I am fully prepared to pursue further legal action. I expect a swift and affirmative response from Synchrony Bank and Venmo Credit Card Services, and I trust that the Consumer Financial Protection Bureau will ensure that my financial wellbeing is not taken lightly. 

Thank you. 

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 monetary relief
Consumer complaint received 2024-01-26 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: MO

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 2024-01-26 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: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX approved a {$20000.00} line of credit loan in my name to an imposter using my Social Security number, name, and XXXX. They ignored the fact that the criminal provided out of state identification with an address that did not match any on my credit report. Not even in the same State. They did not require any proof of residency at the current residency address on the credit report. They did not attempt to verify the falsely provided address as valid even though it was an obvious red flag. They did not verify any other information provided by the criminal. They did not verify the phone number provided as valid and not belonging to the applicant. They did not verify employment or income. They blatantly ignored all obvious red flags. They simply saw an extremely high credit score and approved the loan. XXXX XXXX XXXX isn't providing any answers, apologies, or explanations as to how this could happen when it was so obviously preventable with even basic safeguards by them. They refuse to submit a retraction of the false credit inquiry until I do all the legwork to prove the fraud, even though they admit a crime was committed. I have to prove that I am legitimate, but the criminal didn't have to prove his identity even though an unexplainable address discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA FCB locked me out of all my accounts with them due some perceived fraud activity on my credit card. They had me verify the credit card transactions I made on my credit card via text message. Despite verifying my credit card charges were not fraud, USAA Fraud and credit has issued a complete account lock ON ALL my accounts, including my checking accounts, home and auto insurance, credit card and college savings accounts that were not affected by the fraud alert. USAA is refusing to provide me with any way to resolve this issue after more than 1 week and several calls to try to figure out whats going on. I cant log in to my accounts through the USAA mobile app, or on my computer and I cant even get access to my balances by phone because they have locked me out of everything... for No reason.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-26 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: 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 non-monetary relief
Consumer complaint received 2024-01-26 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: PR

Complaint narrative:
There are some inaccurate information in my Experian Credit Report The account XXXX  XXXX XXXX XXXX shows a 30,60 days late before this account goes Charge off by the account provider. This is Factually Incorrect. 

The account XXXX XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect The Date of Status XX/XX/2021 on Account XXXX XXXX XXXX shows that this account has never been investigated. Remove this account. 

The account XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect

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 2024-01-26 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: 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.

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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I was charged excessive fees constantly by XXXX law for credit repair!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Hi, I had a checking account with XXXX a few years ago. XXXX sold the retailed bank business to Citizens Bank in XX/XX/XXXX and therefore the account was transferred to Citizens Bank. I forgot this account and had never received bank statements related to the transactions of this account from Citizens Bank until I revealed in XX/XX/XXXX. I called to their banking center to check for the balance and asked them to mail me the bank statement onwards. They mailed the first bank statement to me in XX/XX/XXXX and I realized they charged {$12.00} for the month ( {$9.00} maintenance fee and {$3.00} service charge ). I registered with the XXXX XXXX of Citizens bank and I realized they charged similar charges every month since XX/XX/XXXX ( total {$250.00} from XX/XX/XXXX to XX/XX/XXXX ). 

I called to Citizens Bank on XX/XX/XXXX for the refund of all these charges as I had never received notice from Citizens Bank regarding these charges or authorized them to take these charges from my bank account, Citizens Bank refused to refund the full amount ( {$250.00} ) but agreed to refund for XXXX charges ( i.e., {$38.00} ). We took the refund but verbally disagreed with their practice and notified them we would file a claim to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/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 2024-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/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