vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE

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 2024-05-09 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have made several attempts to resolve subscription dispute. I disputed some unauthorized/fraudulent charges with XXXX back XXXX XX/XX/2023. I thought it was resolved, and then I started seeing more charges creep back on my card. It has been doing this little at a time for several months and I asked this to be looked into and escalated and was told a manager would reach out to me once it had been looked into and as a result, my card was closed even though I had not put in any additional disputes since XXXX. I simply asked a MANAGER to look into the reversed credits that were put back on my card balance. my card balance has been increasing causing my limit to go over even thought I HAVE NOt useD THIS CARD IN MONTHS AS IT IS CLOSED. I do not owe the subscription balances and will file a police report about this if it is not resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: KY

Complaint narrative:
I had bought the {$17.00} a month sezzle anywhere pay on XX/XX/2024 in order to pay for a transaction in the 4 easy installments that sezzle implies. When I had gotten the digital card to put in my wallet, I had the spending power of {$650.00} and the charge was {$380.00} dollars that I was supposed to pay {$100.00} every 2 weeks for 6 weeks for. The order was pending, and small transactions were going through on the card to make sure that the funds were there. 
When I went to pay for my purchase, sezzle then started to decline my payments, although they were taking out small increments of money from my bank account. And as promised with the sezzle anywhere, I could use it wherever visa is accepted. 

After the company ( not sezzle ) that I was using the spend anywhere with 4 easy payments werent going through, I tried calling sezzle and sezzle was not fixing the issue although with the {$17.00} a month plan I had guaranteed priority customer service to hand it, they were not tending to the issue. The transaction then went through, and I thought the {$100.00} for the deposit was taken out. 

Sezzle then came back two days later and said I owed the whole amount of {$380.00} instead of in the 4 installments that I was supposed to pay. I tried calling the customer service line and had gotten someone where they said the problem would be escalated to the managers. And I should hear something by email the next day. The next day came and I heard NOTHING. Then two days later I get a fraud report from my bank saying that sezzle was trying to take the whole amount, although it was supposed to be {$100.00} for four installments. Tried calling sezzle same day with just robots hanging up on me. 

I have never been late paying sezzle and always pay the extra fees for the extra services on time that they do not adhere to! Sezzle is misrepresenting their services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 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: WI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2024-05-09 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: WI

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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This creditor will call me twice if not three times a day for the past 6 months, despite me asking them to stop. They call me at XXXX on Saturday and Sundays on multiple occasions. In the past week ( XXXX ) they have already called me a total of 7 times within 3 days. I had spoken to them in XXXX of this year stating I am a new XXXX  mom and unable to make the payments at this time. Yet the creditors continue to harass me everyday despite knowing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following, but they have failed to provide it. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry, and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I signed the loan agreement at the dealership XXXX XXXX  in XXXX XXXX a private car dealer on Sat XX/XX/year> and took my application of credit, he tried with couple banks without success, and got an approval from Americredit financial ( GM FINANCIAL company. The dealer used pressure tactics when I was ready and somehow used pressure tactics for me to sign the contract when I was not ready. However since I signed the contract they said now I have to drive off the vehicle and the lender has approved my deal. Over the weekend I thought about it that interest rate is very high at 14.50 % and I will not be able to afford it its not for me so I contacted the dealership and spoke with the General Sales Manager XXXX and explained him the situation by physical went to the dealership and told him Im not ok with it and I will not be able to afford it please do something and return it as Im within the time period of cooling off with you and the lender. He verbally told me that he bumped up my salary to XXXX from XXXX which of course I was not aware of and it was a moment of shock for me and thats how I thought how was I approved and without income verification, GM financial - Americredit Finacial approved my deal without my consent of salary information and XXXX the GSM manipulated my salary information without my consent and got the deal approved. When the dealer refused to cancel the deal and contacting the bank to cancel it, I contacted Americredit directly 3 times to ensure Im within the time frame and cancel the deal as Im within my right of rescission period and explained the whole situation with the question, that how did you all approve my deal without verifying my information with me? When the dealer bumped up my salary and you all are involved it and requested to cancel the finding immediately. Americredit immediately took action yesterday Wednesday XX/XX/XXXX and finally returned the deal back to the dealer and asked me to return the vehicle. 

The reference number for the returned deal is XXXX. I have already contacted the dealer and asked the bank to confirm that Im under no obligation to pay anything to them and they confirmed it back to me. I want to make sure that dealer should take the car back without any issues causing me no further inconvenience as Ive already have gone through lots of mental stress because of this situation. Theyre not representing the right lending practices and must be held accountable. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2024-05-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for XXXX x fraudulent charges of {$200.00} each which were made on XX/XX/XXXX. This was on my Citi Bank XXXX XXXX. 

The charges have showed up as " disputed amounts '' and " unsettled ' on every credit card statement since then, and since they are disputed, no payment was required. I never received any information on the investigation from the bank despite numerous calls to follow up on the progress. 

In XXXX of XXXX, over a year later, the charges on my statement switched from " unsettled '' to " settled '' in the cardholder 's favor. However, my credit card balance also changed from {$0.00} to {$400.00}. I was not made aware of this, and only discovered this when I was emailed in XXXX of XXXX that I was late on a payment. Please note this is a corporate credit card, so I hardly use it and was shocked I owed money on it. 

I called the bank to ask why the charges were settled in my favor yet are now showing up as " past due amounts ''. They stated that perhaps a credit was given in the past for the charges and they would look into it. I've looked through every statement since XXXX of XXXX and at no point was a credit added to my account. 

Now, I have an outstanding balance of {$400.00} since XXXX of XXXX, and an additional late payment charge of {$10.00} on my account. Every time I've called the bank, they tell me it will be resolved within the week but the issue still persists, and I'm worried it will impact my 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 monetary relief
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I made a transfer from my account at Bank of America, on XX/XX/XXXX, to an account in my name in XXXX  for a significant amount and tne next day, they sent me an email canceling this transaction and as a consequence they bloked my account at Bank of America. 
I contacted Bank of America by phone on several occasions, providing all the documentation they requested, social security number, full name, passport number, last credit card numbers, as well as ssecurity number, bank account number. 
After several attemps by phone, i did not get any solution. I have been like this for several days and i have not received response. I currently have my resisdence in XXXX, and i do not have american phone number, so i am requesting help to solve the problem. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. My husband is a XXXX XXXX. He sent me a XXXX XXXX XXXX in the amount of {$3500.00} back in XX/XX/year>. He ask me to give the money to his friend XXXX XXXX. I signed my check over to XXXX XXXX. He deposited the check into his bank account at Bank of America ( BofA ). They called me to make sure the check was not stolen. I spoke to the representative at BofA and assured them that the check was not stolen and that I endorsed it and gave it to XXXX XXXX. I thought everything was fine. But days later, XXXX XXXX called me to let me know that they put a hold on the check and his bank account. The bank told him that they were investigating the matter. They later told him after I believe they found out the check was good that they were going to close his account and send the check back to the XXXX XXXX  They further told him that I would have to contact the XXXX XXXX to make a claim to get the money back. He received his money from his closed out account by his bank. I contacted the XXXXXXXX XXXX  but I was told they I could not file a claim because the bank did not send them the {$3500.00}. I asked XXXX XXXX to contact his bank again and have them return the funds so I can place my claim. He tried calling them again after making numerous attempts to resolve the matter only to be told that they can not discuss it with him because his name is not on the check! I am so frustrated and upset that Bank of America is completely giving the run around for money that DOES NOT belong to them!!! Can someone from your agency please help me with this matter and get The funds returned to me? I would greatly appreciate it. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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