vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sezzle Inc.
State: NE

Complaint narrative:
I Was Charged {$200.00} for a XXXX XXXX Gift Card I Never AuthorizedHow Do I Fight This? 

I need some help and perspective as Ive been royally victimized by Sezzle, the pay-as-you-go app. 
Yesterday, I discovered that somehow, in the background of using my phone, Sezzle had processed a {$200.00} transaction for a digital XXXX XXXX gift card. To be clear, I had absolutely no intention of making this purchase. I can not stress this enough. I wasnt even on a XXXX XXXX website, and I did not agree to finance a gift card in XXXX installments. Yet, I was charged {$52.00} immediately for the first payment, with XXXX more {$50.00} installments scheduled over the next XXXX months. 
When I saw the charge hit my account, I was shocked and confused. My first instinct was to contact Sezzle to cancel the transaction. Unfortunately, the more I talked to them and the multiple other parties involved, the more hopeless it felt. Sezzles representatives werent helpful, and it became clear that they werent interested in reversing or canceling the installment agreement. XXXX XXXX also refused to help, citing their non-refundable gift card policy. 
Im now stuck paying for a product I didnt want, didnt authorize, and cant use. I feel like a complete victim of a system error or glitch that no one is willing to take responsibility for. 
What Ive Tried So Far : Contacted XXXX customer service multiple times. They claim they cant cancel or refund the transaction. 
Reached out to XXXX XXXX, but they said digital gift cards are non-refundable. 
Begun disputing the charge with my bank, but the payments are installment-based, which complicates things. 
Its not just about the money thats made this a bad experience. Its the effort of every party involved to create the most ridiculous storm of a problem for me to experience. The fact I accidently became contractually obligated to a finance agreement on a digital XXXX XXXX gift card. That concept alone is so dumbfounding that it eases the anguish. It feels wrong that companies like Sezzle and XXXX XXXX can shrug off responsibility for mistakes ( or worse, fraudulent activity ) like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-19 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-19 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: AZ

Complaint narrative:
In XXXX XXXX I disupted the following items on all 3 of my consumer credit reports through Experian, Equifax & Transunion. The results came back and for 2 of the 3 disputes ( both XXXX XXXX XXXX ) the reasoning stated : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' The third dispute ( XXXX XXXX XXXX ) reason stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' There was absolutely no investigation into my disputes. they just took the words of the debt collectors whoim are known to lie so they don't lose money. My disputes were valid and I gave proof of AZ statute of limitations being past. Also, XXXX XXXX XXXX update the " Date Opened '' dates for some reason and made them newer which means these items will not come off my report for additonal more years than originally stated by the credit bureau. 

This is unacceptable and shady. I want an investigation into my disputes and these items removed from my reports ASAP. 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} Date Opened : XX/XX/XXXX Why did the date opened change? 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$2900.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reporting the unauthorized reinsertion of fraudulent accounts on my credit report, specifically XXXX XXXX ( XXXX ) and XXXX XXXX  ( XXXX ) .These accounts were previously deleted but have been reinserted without my authorization or the required notice within five business days, violating 15 USC 1681a ( 5 ) ( B ). I never received any notification informing me of their reinsertion, depriving me of my right to dispute the accuracy of these accounts before they were added back. This raises serious concerns about Experians compliance with reinvestigation procedures and record-keeping standards. If these accounts were previously deemed inaccurate or unverifiable and removed, what new verification process justified their return? Were they required to provide certified proof of accuracy, as mandated by the FCRA, before reinserting these accounts? Without proper notice, I was denied the ability to challenge this action, making this reinsertion unlawful and procedurally flawed. Furthermore, under 15 USC 1681b ( f ), no entity is permitted to report or access my credit information without a permissible purpose. These accounts, linked to fraud, have no legitimate basis to reappear on my report. I invoke my rights under 15 USC 1681c-2, which mandates the blocking of fraudulent accounts upon proper identification. Additionally, under 15 USC 1681i ( a ), any inaccurate or unverifiable information must be permanently removed following an investigation. This reinsertion strongly suggests Experians failure to comply with basic accuracy and consumer protection standards and may constitute willful or negligent noncompliance under 15 USC 1681n and 1681o. I demand an immediate investigation, a clear explanation of how these accounts were verified, and their permanent removal from my credit report if proper procedures were not followed

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 2025-02-19 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: NC

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 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 2025-02-19 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-19 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: CA

Complaint narrative:
This account is reporting a late payment to my credit report incorrectly please update this to and remove this 30 day late payment on XX/XX/year> immediately as it is effecting my ability to obtain credit. 
Account name : XXXX XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRINITY CAPITAL ADVISORS LLC
State: TX

Complaint narrative:
I was sent a check for {$4900.00} and was told to XXXX  someone {$4500.00} and that I could keep the {$480.00}. Initially, the check cleared and so I did so, but then the check was sent back as being a forgery. 

I am sure that I am out the {$4900.00}, and I just want to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
I am submitting this formal complaint regarding the repeated failure of Equifax, Experian, and TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, inconsistent, and unverifiable information on my credit report related to XXXX Account # XXXX. Despite multiple disputes submitted directly to each credit bureau and the creditor, the erroneous information has not been corrected or removed, violating my rights as a consumer under the FCRA. 

Details of the Dispute & FCRA Violations Inconsistent Account Opening Date TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX FCRA Violation : 1681e ( b ) Failure to ensure maximum accuracy.

Different High Credit Limits TransUnion & Experian : {$49000.00} Equifax : {$13000.00} FCRA Violation : Reporting incorrect credit limits impacts credit utilization and overall creditworthiness. 

Conflicting Last Reported Dates TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX FCRA Violation : Credit bureaus must report consistent and verifiable data. 

Different Date of Last Activity & Payment TransUnion : XX/XX/XXXX | XX/XX/XXXX Experian : XX/XX/XXXX | XX/XX/XXXX Equifax : XX/XX/XXXX | XX/XX/XXXX FCRA Violation : If data can not be verified, it must be removed under 1681i ( a ) ( 5 ).

Charge-Off & Payment History Conflict Equifax reports a 30-day late after charge-off, which is inaccurate.

A charge-off means the lender wrote off the debt, so additional late marks should not be reported.

FCRA Violation : Misrepresentation of delinquency under 1681e ( b ).

Failure to Address Disputes & Repeated FCRA Non-Compliance I have sent multiple dispute letters to Equifax, Experian, and TransUnion, requesting that this inaccurate and unverifiable account be deleted per FCRA 1681i ( a ) ( 5 ) ( A ), which states : " If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. '' Despite these disputes, the credit bureaus have failed to comply. They have continued to report false and inconsistent information, violating their duty to maintain accurate consumer credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
I am submitting this formal complaint regarding the repeated failure of Equifax, Experian, and TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, inconsistent, and unverifiable information on my credit report related to XXXX Account # XXXX. Despite multiple disputes submitted directly to each credit bureau and the creditor, the erroneous information has not been corrected or removed, violating my rights as a consumer under the FCRA. 

Details of the Dispute & FCRA Violations Inconsistent Account Opening Date TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX FCRA Violation : 1681e ( b ) Failure to ensure maximum accuracy.

Different High Credit Limits TransUnion & Experian : {$49000.00} Equifax : {$13000.00} FCRA Violation : Reporting incorrect credit limits impacts credit utilization and overall creditworthiness. 

Conflicting Last Reported Dates TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX FCRA Violation : Credit bureaus must report consistent and verifiable data. 

Different Date of Last Activity & Payment TransUnion : XX/XX/XXXX | XX/XX/XXXX Experian : XX/XX/XXXX | XX/XX/XXXX Equifax : XX/XX/XXXX | XX/XX/XXXX FCRA Violation : If data can not be verified, it must be removed under 1681i ( a ) ( 5 ).

Charge-Off & Payment History Conflict Equifax reports a 30-day late after charge-off, which is inaccurate.

A charge-off means the lender wrote off the debt, so additional late marks should not be reported.

FCRA Violation : Misrepresentation of delinquency under 1681e ( b ).

Failure to Address Disputes & Repeated FCRA Non-Compliance I have sent multiple dispute letters to Equifax, Experian, and TransUnion, requesting that this inaccurate and unverifiable account be deleted per FCRA 1681i ( a ) ( 5 ) ( A ), which states : " If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. '' Despite these disputes, the credit bureaus have failed to comply. They have continued to report false and inconsistent information, violating their duty to maintain accurate consumer credit files.

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 2025-02-19 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-02-19 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX CARD SER Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these disputed items. It is my understanding that you are required to verify these items with the relevant creditor. Please proceed with removing any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly request that you send an updated copy of my credit report to the aforementioned address. According to the law, there should be no charge for this updated report. Additionally, I ask that you notify any party who has received my credit report in the past six months of the corrections being made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with non-monetary relief