vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: 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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX  XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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.

The credit bureau used my information the wrong way, i contacted the companies with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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:
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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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.

The credit bureau used my information the wrong way, i contacted the companies with no response.

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 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX  at XXXX Was offered a Data Entry Job by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, WA XXXX. 

Interviewed with supposedly CEO/Presiden XXXX XXXX XXXX The interver proceeded to convey " You will need some DATA ENTRY software and also an Automated tracker to commence your training and orientation and also you need the software to get started with work, the work of the time tracker is to calculate your hours worked since this is an online work from home. '' The interviewer proceeded to say " The funds for the working materials, software and time tracker will be provided for you by the company via check, make sure you use them as instructed for the software and I'll refer you to the vendor you are to purchase them from. The check may be issued out by any of our 28 affiliated companies who owe. 

XXXX, some amount of money so this automatically serves as our refund as it is used solely for the benefit of our employees. 

XX/XX/XXXX  at XXXX thee accountant emailed a paper check for deposit and purchase supplies. After receiving the funds, the employer ask I wire transfer or use XXXX to XXXX funds to different vendors. Two transfers were made to supposed vendors on XX/XX/XXXX  and 2-3 transfers on XX/XX/. 

I became suspicious after the vendor demanded I transfer monies to different vendors. Thereafter, I realized the scam. Called the bank USAA and made the banks aware of the scams. Both USAA and XXXX XXXX XXXX  are investigating the Organization, the wire and XXXX transfers. XXXX XXXX XXXX  was very helpful. 

Unfortunately, USAA has not resolved the problem. XXXX XXXX, a USAA associate demanded I owe USAA money and XXXX XXXX threatened closing account ; by sending over debt collections. In my view, USAA has violated due process and consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
XXXX XXXX MADE FRAUDULENT INQUIRY ON DATE : XX/XX/XXXX  WITHOUT MY CONSENT. 

XXXX ALSO MADE UNAUTHORIZED INQUIRY ON DATE : XX/XX/XXXX  WITH MY CONSENT. 

BOTH FRAUD INQUIRIES SHALL BE DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I filed a complaint of an unauthorized transaction on XX/XX/XXXX  in the amount of {$270.00}. The results of the claim states that there was no duplicate transaction. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because I never stated there was a duplicate charge. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-27 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: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: C/C Financial
State: CO

Complaint narrative:
its with XXXX XXXX XXXX also in XXXX they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i XXXX XXXX XXXX XXXX XXXX way out in another part of XXXX that iv never even been in iv never been as far as XXXX and XXXX this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with XXXX XXXX i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone XXXX iv only had XXXX it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe XXXX insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how the XXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied from this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: CO

Complaint narrative:
its with colorado XXXX XXXX  also in arizona they sent me a letter stateing i owed money for a loan but thing is iv never had a school loan in my life..yes iv lost my id b4 my social number card yes iv lost b4 im actually waiting for my new card to come in the mail now as we speak for a long time somone has had my credit becuase when i was XXXX my mom almost didnt get food stamps because at XXXX they were saying i worked at a XXXX XXXX way out in another part of colorado that iv never even been in iv never been as far as XXXX  and XXXX  this place was a few hours away and back then they had told my mom we had to get to there police station to make a report in order to fix it all but at the time we couldnt make it that far out there so my mom kind of let it go i guess. but now i get emails from XXXX XXXX stating i done just made a bitcoin purchues and thank you heres my reciept when i never paid anything with pay pal i cant even get a XXXX because they wont idenfiy me because of all the XXXX XXXX it says that i have when i dont phone wise iv only had XXXX  it says that i owe XXXX XXXX and XXXX when iv never even had either of them it says i have a eviction iv never lived alone yet in my name i stay with my boyfriend right now im looking for a apartment but im getting denied its saying i have a eviction or owe a apartment when i dont it says i owe progressive insurance IV NEVER EVEN HAD A CAR B4 i dont even had a driver record so how XXXX XXXXXXXX do i owe insurance???? i just [ please want this all fixed because right now i cant do anything without getting denied from everything i need to move out asap they are tearing are building down and i have no place to go and cant even apply for a apartment because im getting denied XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Collection Status on My Credit Report Disputed account : JPMCB AUTO FINANCE/ open date : XXXX XXXX, XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute an erroneous account status that is currently being reported on my credit report. Specifically, I am disputing the status of my auto loan account, which was held with Chase Bank, as it is inaccurately listed as being in collection with a balance of {$0.00}. I believe this information is not only incorrect but also damaging my credit profile, and I kindly request your assistance in rectifying this issue. 

The details of the situation are as follows : In XX/XX/, I was involved in a significant accident resulting in a total loss of my vehicle, which had been financed through Chase Bank. Despite the loss, I continued to make my monthly payments on the auto loan to ensure that my payment history remained unblemished. 

I maintained these monthly payments through XXXX, XXXX, XXXX, and XXXX, even though I no longer possessed the vehicle. My intention was to prevent any late payment notations on my credit report, demonstrating my commitment to fulfilling my financial obligations. 

In XXXX, my insurance company, XXXX, officially confirmed that they had settled the outstanding balance of the auto loan. As a result, I ceased making monthly payments to Chase Bank. 

In XXXX, I received a refund from Chase Bank for the payments I had made beyond the date when the insurance company had covered the balance. This refund confirmed that my financial obligations were indeed met, and there was no remaining debt. 

It has come to my attention that despite the timely and responsible nature of my payments, my credit report indicates that this account is in collection with a {$0.00} balance. This inaccurate representation is severely affecting my credit score and overall creditworthiness. 

I kindly request that you promptly investigate and rectify this situation. The account should reflect its accurate status as a closed auto loan with a XXXX balance, as it is not, and has never been, a collection account. I believe that this correction is essential in restoring the integrity of my credit report and ensuring that my credit score accurately reflects my responsible financial behavior. 

I have attached supporting documentation, including proof of the insurance settlement and the refund received from Chase Bank, to substantiate my dispute. Please review this evidence carefully and update my credit report accordingly. 

Thank you for your prompt attention to this issue, and I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I was the victim of a phone credit card scam by a company called Freedom Financial Services ( or US Debt Validation Finance Solutions, they switched back and forth during the call ). They called me on XX/XX/XXXX and claimed that someone had opened a XXXX checking account in my name. The man on the phone then supposedly " cleared '' the fraudulent charge before transferring me to a different " department '' where a lady named XXXX XXXX ( XXXX ) tried to convince me to charge {$15000.00} to three of my credit cards. 

She said that as soon as I had consented to let them charge my cards, her law firm would negotiate with my creditors to reduce my debt between 60 and 100 percent ; I would just have to let them close my existing credit card accounts and issue me different credit card of their choosing. They read me my social security number over the phone along with the last four digits of the three credit cards and their current balances but insisted I tell them the full credit card number, the CVV code on the back and other personal financial information. Thank goodness my sons came home when they did and stepped in or I would have lost thousands! I still had to cancel the three cards and will need to monitor my accounts for the next few months. 

Watch out for Freedom Financial Services, they are untrustworthy and take advantage of the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX, I noticed on my PayPal account there were numerous charges for {$5.00} and {$10.00} throughout the account. I reached out to PayPal. They closed the account in XX/XX/XXXXXXXX  and agreed that it was indeed fraud. This should have been resolved, then in XXXX  when going to make a purchase and they need to check my credit, I see on my credit report that the account was closed as a " charge off '' and not fraud as stated in XXXX. This is a huge error that has affected my credit score and it's unfair for PayPal to make such a huge error. I have been trying to clear this up since I found out a few months ago. They are being very nonchalant about this. They do not care that they have ruined my credit score. I want it resolved asap.

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 2023-12-27 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: VA

Complaint narrative:
Credit Karma sent me a notice that my credit score had dropped over XXXX points due to missing payments on a XXXX XXXX XXXX account. I have never opened a XXXX  account and do not have a XXXX  card. I noticed this issue on XX/XX/. I filed a dispute to with Credit Karma on XX/XX/. I called XXXX on XX/XX/XXXX  ( was connected with the Fraud department ) to confirm there is no existing account with my SSN and information. I flied a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: E MORTGAGE MANAGEMENT, LLC
State: NJ

Complaint narrative:
For the past 8 years I have been submitting NUMEROUS complaints on behalf of a delinquent mortgage that has changed hands REPEATEDLY since then containing multiple errors including a FALSE IDENTITY then finally discovered that XXXX XXXX was behind the fraud scheme the entire time as you know. I have been reporting the loan ORIGINATORS the WHOLE ENTIRE TIME ONLY TO BE LAUGHED AT AND CLOSED MY COMPLAINTS>>>>>>>>>>>>>>>justice will be served.

Company response to consumer: Closed with explanation