vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I make payments towards my CareCredit credit card from Synchrony bank each month on the XXXX or before and I'm getting charged late fees for doing so. Examples : I made a payment for XXXX on the XXXX of $ XXXX but then charged a late fee on XX/XX/XXXX for {$41.00}. 
I made a minimum payment for XXXX on the XXXX of {$59.00} and then I made a payment XX/XX/XXXX for XXXX for {$100.00} but was again charged a late fee of {$41.00} I made a payment of {$100.00} for XXXX on the XXXX and then was charged a late fee of {$41.00} on the XXXX. 
Then I made a payment of {$100.00} on XX/XX/XXXX for XXXX but again was charged a late fee on XX/XX/XXXX for {$41.00}. 
Now they say I owe for both XXXX and XXXX because the Payment for XXXX I made on XX/XX/XXXX was not counted for XXXX. 
They say the reason is that I'm paying before the bill is generated on the XXXX of each month even when I paid on XX/XX/XXXX I was still charged a late fee. 
When I talked to them they acknowledged that I'm basically getting charged a late fee for paying my monthly bill early or on the XXXX of the month.

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 2024-07-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On XX/XX/year>, I applied for a checking account with XXXX XXXX XXXX XXXX and my application was unlawfully denied My suspicions of Securities fraud were confirmed when I received subsequent email on XX/XX/year> confirming their adverse action against my application which detailed their violations of the Consumer Credit Protection Act, Federal Fair Credit Reporting Act, Fair Access to Credit Act and the truth in lending act by discriminating against me based on third party agency named ChexSystem. I did not authorize ChexSystem to furnish any information to XXXX XXXX. 

In good faith I exercised my rights under consumer credit protection act. I spoke with XXXX XXXX on XX/XX/year> about the adverse action letter and questioned the discrimination and they responded by stating they use ChexSystems and are allowed to do so. 

They refused to open my checking account. I told them I didnt agree and did not consent to this denial and that I have been harmed by their actions of using a third party agency who lacks first hand knowledge and that I did not consent to. 
I requested that he open my checking account and he said based on Chex system he will not.

Chex System erroneous and unlawful reporting has caused adverse actions and XXXX XXXX actions to use a third party information without my consent is unlawful. 

The representative never cited any law that supports this unlawful denial of my god-given natural right to open a checking account. I am the creditor.

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 2024-07-05 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: CA

Complaint narrative:
Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that TRANSUNION, the 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 receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of HARD INQUIRIES. 

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These multiple bogus INQUIRIES on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence 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 non-monetary relief
Consumer complaint received 2024-07-05 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to SAGESTREAM. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account name : XXXX XXXX the Amount of {$1000.00} has attempted to collect a debt that is not mines. 

I have asked Experian to provide a method of verification but I have not yet to receive my method of verification 's. 

Under the 15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

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 2024-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are fraudulent.

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 2024-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint narrative:
The complaint is about Chase Bank. They refused to take information about this fraudulent activity and refused to investigate. 

Unauthorized payments were made from the savings account of my minor son to 2 different Chase credit cards on 2 different days. My son has no connection to these cards -- he is a minor and doesn't have a credit card. 

On XX/XX/XXXX, a payment of {$1000.00} was made from my son 's account, to a Chase card ending in XXXX. 

Today, XX/XX/XXXX, a payment of {$600.00} was set to pay from my son 's account, to a Chase card ending in XXXX. 

My son discovered the unauthorized payments today, and we called his bank immediately. They disputed the XX/XX/XXXX charge, put a stop payment on the pending charge, and put a block on any further payments to Chase from my son 's account. They were able to see the name of the person making the withdrawal- it was a XXXX XXXX XXXX. We have never heard of him. 

We called Chase Bank. They were unwilling to take any of the identifying information to investigate the situation. They were unwilling to investigate. They said I needed to call my son 's bank for investigation. When I pressed, they claimed that even with the name, the last 4 of the credit card, the payment amount, and the payment dates, they would be unable to find the accounts of their cardholder or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a loan back in XXXX with Citibank for the amount of XXXX dollars. Account has always been paid on time and in full. Citibank charged me a fee because my last payment didnt go through but it did and I got the notification that account has XXXX balance. Now Citibank says that they have solved the issue but is still showing on XXXX and not 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 2024-07-05 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: TX

Complaint narrative:
The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.

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 2024-07-05 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: TX

Complaint narrative:
The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.

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 2024-07-05 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: NC

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late to be removed.

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. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late to be removed. 

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. 


XXXX XXXX, XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am asking for your help in regards to the inaccurate accounts being reported on my account,.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect DOB : XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
My account with XXXX XXXX XXXX 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 in XXXX XXXX to be removed. 

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.

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports

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 2024-07-05 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:
My account with XXXX  XXXX 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 in XXXX, XXXX, AND XXXX to be removed. 

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. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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