vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have my bank set to XXXX  pay. I pay my account XXXX a month, somehow, the amount due increased to an additional XXXX. I didn't realize it, I don't use this card except for vet emergencies. I haven't used it in almost XXXX years. I took a look at my account and was shocked at how much I still owed when I have faithfully made my payments. Then I saw I missed the XXXX increase so they have been charging me a late fee of XXXX. I pay XXXX, they charge me XXXX This is ridiculous. I wasn't behind enough to send an alert to me about payment but just behind enough that they have made XXXX off of me for XXXX  and XXXX. This happened a XXXX  years back and I called and this bank refuses to remove ANY type of late fee. I'm sick of the practice and feel it is wrong to gouge a customer like this. My husband lost his job in XX/XX/2023, as I said I only use this card for vet emergencies. I'm going to need it and not only have I paid hardly any of my balance down but Care Credit has made a boat load off of my ignorance. With our finances stretched to the XXXX, I would like XXXX months of late fees be applied to my balance. I will up my XXXX  amount to make sure there is not XXXX somewhere not paid promptly that initiates this sick way of doing business. It's not fair to take advantage of customers in this manner.

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 2024-05-16 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: IL

Complaint narrative:
On XX/XX/year> I reached out to the credit reporting company Experian I explained to them that an account that was being reported was incorrect and inaccurate information. I asked that they validate this reported account with a copy of any documentation bearing my signature with the reporting company. in XXXX of XXXX  I received a response stating verified and updated. I then sent a second letter on XX/XX/year> again explaining that the account was inaccurate and incorrect and demanded it be deleted. Letting them know they had not provided me with any documentation bearing my signature and further that the methods of validation ( E-Oscar ) or any automated verification was unacceptable, even reminded them of 15 US code 1692g. Again, they responded with verified and updated. I have tried several attempts for Experian to remove this inaccurate and incorrect account or provide me with a contract bearing my signature to the remained inaccurate and incorrect account and I have not been successful. Therefore, I am now taking action to file a complaint.

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 2024-05-16 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: MS

Complaint narrative:
Enclosed, please find supporting documents regarding my formal complaint against XXXX XXXX XXXX regarding an issue I encountered while attempting to address an unauthorized inquiry on my consumer report. The matter in question pertains to a Notice of Dispute that I attempted to send to XXXX XXXX XXXX but was returned to me due to an invalid forwarding address listed as contact information on my report. 

On XX/XX/2024, upon reviewing my consumer report, I discovered an unauthorized inquiry made by XXXX XXXX XXXX. Concerned about the implications of this inquiry, I promptly decided to file a Notice of Dispute as per my rights under the Fair Credit Reporting Act ( FCRA ). However, my attempt to reach XXXX XXXX XXXX through the provided contact information were futile as the correspondence was returned to me citing an invalid address. Enclosed are the following supporting documents : 1. Listing of unauthorized inquiry on my consum
er report.

2. Notice of Dispute 3. Proof of undeliverable correspondence indicating the invalid address provided by XXXX XXXX XXXX. 

These documents serve as evidence of the challenges I faced while attempting to address this matter with XXXX XXXX XXXX. It is alarming to realize that the contact information listed on my consumer report, purportedly belonging to a reputable financial institution like XXXX XXXX XXXX, is outdated or invalid. Such oversight not only obstructs consumers ' ability to address issues promptly but also raises questions about the reliability and accuracy of the information provided by credit reporting agencies. 

Moreover, the unauthorized inquiry made by XXXX XXXX XXXX adds further distress to this situation. As a consumer, I expect transparency and accountability from financial institutions regarding any inquiries made on my credit report. XXXX XXXX XXXX ' failure to provide a valid contact address impedes my ability to address this matter efficiently and protect my rights as a consumer. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that XXXX XXXX XXXX updates their contact information promptly to facilitate communication with consumers. Additionally, I request that measures be taken to address the unauthorized inquiry on my consumer report and prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take necessary steps to uphold consumer rights and hold financial institutions accountable for their actions.

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 2024-05-16 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: LA

Complaint narrative:
Fraudulent inquires : TD AUTO FINANCE Finance/Personal Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, 2022 Automotive + ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX + CAPITAL XXXX VIA DEALER Inquiry : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a complaint against the credit bureaus 60 days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. 60 days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.

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 2024-05-16 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: LA

Complaint narrative:
I submitted a complaint against the credit bureaus 60 days ago for failing to conduct a proper investigation into incorrect information being reported on my behalf. 60 days has passed and they still have not completed their investigation and my credit report remains the same. I have contacted both them and the furnishers and have not gotten anything corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/XXXX. XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: CO

Complaint narrative:
I had a past due sezzle account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining sezzle balance. My sezzle balance is {$0.00} and paid in full. 

Yet sezzle refuses to update their records. XXXX claims I still owe {$190.00}. XXXX says I owe {$190.00}, XXXX XXXX XXXX say I owe {$510.00}. 

When I contact Sezzle they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to sezzle and to contact sezzle. 

I have even done a XXXX way call between a true accord manager and sezzle and still sezzle claims I owe.

I have submitted all my payment receipts and true accord letter cetfirying I have paid my balance and sezzle refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet sezzle has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due sezzle balance even through I paid it.

Everytime I call into Sezzle they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont hel
p.

Sezzle also responds with no they cant reopen my account and I never asked them to reopen my account I will never use sezzle again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with sezzle says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and sezzles new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? Sezzle refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and sezzle refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to sezzle yet sezzle still doesnt update anything. 

This isnt fair I paid off my account and Sezzle is still penalizing me with a past due balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
It appears that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts inaccurately report amounts and dates.

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 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
NOTICE TO CURE XXXX XXXX XXXX A Notice of liability was sent in good faith.This matter is willful INTENT, tort. Two affiliates XXXX XXXX XXXX XXXX and JP MORGAN CHASE & CO.UNJUST ENRICHMENT SUFFERING FROM MANY DAMAGES.THIS HAS TO BE SOME FORM OF CONSPIRACY /RICO KNOWING THE FINANCIAL ASSET WAS NOT ISSUED TO THE ESTATE IN FULL.TRADE MARK INFRINGEMENT HAS OCCURRED UNDER THIS ALLEGED CONTRACT ON MULTIPLE DOCUMENTS.IF MY DEMAND HAS NOT BEEN CURED. IF NO REMEDY SET FORTH WITHIN FIVE BUSINESS DAYS OF THIS NOTICE. RELEASE UCC 1 LIEN G.S.A FORMS RELEASE OF TITLE.THE {$100000.00} US DOLLARS, DEMANDED FROM FRAUD ALLEGED CONTRACT. IF FAILED TO RESPOND ATTORNEY AND COURT CASE WILL BE FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
See attached sent certified XX/XX/2024 I recently reviewed my credit report and found that it still contains inaccurate accounts. Despite contacting you multiple times, I have not received a satisfactory response or resolution. I request an explanation of the procedures and methods you used to verify these accounts as accurate, as permitted under FCRA Section 611. If records exist, I request copies under the FACTA Act, SEC 312 ( b ) and ( c ).

This letter also serves as a formal complaint regarding your failure to address my previous requests and to maintain reasonable procedures to ensure maximum possible accuracy in your credit reports. I was a victim of identity theft and have informed you of this matter multiple times. My credit report shows many inaccuracies resulting from this identity theft. 

This account is 100 % inaccurate and false because the account is unknown to me. As required by Section 611 of the Fair Credit Reporting Act, 15 U.S.C 1681i ( copy enclosed ), I request that the adverse information on these items be removed to correct my credit report. This is not an attempt to request a block that was made in error, nor is my request based on a material misrepresentation. I did not knowingly obtain, nor should I have known that I obtained, possession of goods, services, or money as a result of any transactions I am seeking to block.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 

XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$73.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX Balance {$5800.00} XXXX XXXX  XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$380.00} XXXXXXXX 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 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 2024-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my follow up complaint i filed last 15 days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 

XXXXXXXX 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NV

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : 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 reported 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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-05-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation