vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-04-14 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This email is phishing scam. It is a very well crafted email that appears to be from Experian.com. When I responded to email to view my FICO score it said my password was wrong. then prompts to fix password or get new password, asks for my SS number and so on. I was quite frustrated with it when I realized it was from a wierd address not usual Experian address. 

I enclosed below. 


Experian www.experian.com Top picks from Experian Connect with your credit day or night for FREE. 

XXXX, your FICO Score has been updated XXXX / Inbox Experian Alerts This email was sent by the organization that owns the logo shown. 
www.experian.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX  Experian Logo Membership ID # XXXX Sign In Decorative Image XXXX, please review your alert FICO Score Great job! Your hard work paid off and your score increased. 
See all alerts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This email contains important updates related to your account. 

To make sure you don't miss account updates, add XXXX to your address book and don't mark these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze FICO is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX  an Experian company. All rights reserved. 
Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Experian logo

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 2024-04-14 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: CA

Complaint narrative:
I sent Experian the documentation needed to block/ delete the accounts in question per the Fair Credit Reporting Act ( FCRA section 605b ) Experian continues to run a foul of the FCRA statue. Experian is harming my life by reporting accounts that are a result of Identity theft, Experian continues to willfully push and impose corporate company policy on me which is not Federal Law. Experian is ignoring my Federal protected consumer rights that congress gave me. EXPERIAN CONTINUES TO REPORT DUPLICATE ACCOUNTS WILLFULLY, CFPB please help me with this issue to be 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 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2024-04-14 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: NJ

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 2024-04-14 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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,. However, they 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 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.

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 2024-04-14 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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. However, they 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid the card off then received a statement saying I owed XXXX for interest talked to a agent on the phone and she stated that since I hadn't pay it off before a certain date I was responsible for that amount but all that it showed was that owed was XXXX and I paid that

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inaccuracies which means this account has not been verified and who validated this information as correct? Furthermore I am in arbitration with the company for this fraudulent information so I know they could not have validated this information. I demand Transunion provide the necessary documentation to me that they used to verify this account information.

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 2024-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
Unknown person was impersonating as a Speedy Cash employee and trying to collect money from me. 

This is how much they say I owe Speedy Cash and is demanding me to pay this amount. I know how much I borrowed from Speedy Cash and had called them directly to confirm my current loan and monthly payment. 

This person impersonating Speedy Cash is using a fake email to contact me. 

Pl share the Receipt of the payments ; we haven't received anything. 

As we see in the records, you still have {$1100.00} pending to get the full and final settlement done. 

Once paid you would get the Settlement closure letter for Fair Debt Collection Act UG- 17 ( B ) Get back to us ASAP.

When I don't respond back, they threaten me with lawsuits and wants to charge me for fraudulent charges. 

Speedy Cash confirmed with me that they don't have anyone contacting me and knows that my loan is still current and I don't owe them that high of amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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.

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 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a follow up to the following complaint that was closed on XX/XX/year>. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> My personal experience with the last complaint that I submitted was very negative. I went through all the appropriate channels, but no one was able or willing to assist me in any way. I acknowledge that XXXX 's senior management did something on XX/XX/year> to stop the cyber-criminal after I pointed out to them that he created a XXXX ad with their corporate logo to lure additional victims. The next day I noticed that the cyber-criminal 's fake XXXX ad disappeared, his web-site has not been updated since that date, and his fake customer service number now connects people with XXXX 's actual customer service department. 

I have since spent much time educating myself and my family members about financial fraud and scams. I also read numerous articles about people who fell victim to all sorts of scams and fraud. I understand that the problem of scams and fraud is out of control, and many billions of dollars are lost each year to this growing problem. I am also aware that senior citizens are more vulnerable than people of other age groups to falling victim, since they tend to be less educated about cybersecurity. 

The common theme in the stories that I read is that people were scammed or defrauded out of a lot of money since it was taken from them before they knew what was happening or had a chance to react. Subsequently reaching out to law enforcement or their bank 's fraud unit was generally not helpful at all. In the rare instances that the bank was willing to reimburse the victim, the criminal was never apprehended and was emboldened to repeat his crime over and over again. 

The reality is that the only way to stop scams and fraud from happening repeatedly is to simply slow down the movement of money. Imagine how many billions of dollars could be saved each year if banks simply enacted the following control measures to protect their customers from scams and fraud : XXXX. XXXX transfers to new email addresses or mobile phone numbers - automatic 5-day fraud hold with status pending before funds are released 2. Wire transfers - automatic 5-day fraud hold with status pending before funds are released 3. All paper checks - automatic 5-day fraud hold with status pending before funds are released 4. Debit card payments to new recipients - automatic 5-day fraud hold with status pending before funds are released Of course, I acknowledge that there is no way to completely prevent fraud with physical cash, since there is no way to slow down the physical movement of cash. The only way to prevent that type of fraud is to simply eliminate physical cash.

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 2024-04-14 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: MD

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
In XXXX of XXXX I received a bill for XXXX from military star aka AAFES. I contacted them and was told I would need to provide them with a police report, which I did. I provided two of them actually. One from Michigan state police and one with the sheriff 's department. As I am a XXXX  on XXXX  my movements are monitored ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also attending a school at the time the account was opened so my where abouts are verifiable ). In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as this is where my charges orginated and I was unable to dispute this until XXXX when they released me again. 
I asked for proof of signature that the goods where delivered to my house ( things are always delivered to wrong addresses there ) but they do not have one. Who sends XXXX of goods with out getting a signature? 
Since then they have told me the police reports don't matter as they have a picture of a door with boxes in front and also because I know my address I am responsible. Also the amount owed has grown from XXXX which they tell me was the maximum credit limit to almost XXXX in XXXX  months!!!!. I have limited resources as I am currently homeless living in transitional housing. They are taking my social security ad well. I have contacted the state consumer protection and they can't help only negotiate. The ftc won't help. I do not know where else I can go. How does an account triple in XXXX  months? I have put fraud alerts out as well. Please help as this is growing as we speak and I can not afford to pay for something I did not order. At its current pace of growth I can not get out from under it ever.

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 2024-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried to transfer {$300.00} out of my chase savings account to a XXXX savings account. I had requested to close the Chase savings account after I tried to transfer. When the transfer happened a little bit before XX/XX/XXXX, the chase account closed around XX/XX/XXXX and then my transfer stopped to my XXXX savings account. The money was reversed and bounced back to Chase, but now I dont know where the money is. Ive been trying to open the account so I can see if the money will show up in the account.

Company response to consumer: Closed with non-monetary relief