vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: GA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I opened an account to purchase an item with XXXX XXXX. It was a promotional, same as cash, offer. The rate on the card was 29.99 %. It was tax time so I was preoccupied with working on my tax returns. I was late on a payment. I didn't realize they were going to bill me {$990.00} interest immediately. I should have looked at the statements and dealt with this months ago, but my business and life keeps me busy so I didn't think about it. I just schedule payments on their website so I wouldn't be late again. After a good few months of business, less than a year since I purchased the item, I decided to pay off the balance. I started looking more closely at the statements and saw a {$990.00} charge in XX/XX/year>. I tried contacting the bank to understand what this charge was about. They just said, " Interest was charged on the entire sale amount as the promotion had expired and wasn't paid in full. '' This wasn't explained fully and seems unscrupulous. On top of that, they charged me monthly interest at almost 30 %, in addition to the initial {$990.00} interest charge. How can they bill for interest over time when that time hasn't elapsed?

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 2024-03-21 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: PA

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, Chase closed my bank account and stated that the remaining balance would be returned to me in the form of a check. However, it has been over six months, and Chase still hasn't returned my money. When I called, Chase only said that they are still investigating. And all my remaining balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXX XXXX  continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.

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 2024-03-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX the original creditor, has also refused to respond to any form of communication, including XXXX  and CFPB inquiries. XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, XXXX, and TransUnion to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.

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 2024-03-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX, the original creditor, has also refused to respond to any form of communication, including XXXX and CFPB inquiries. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, Equifax, and XXXX to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
XXXX  XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.

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 2024-03-21 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: OH

Complaint narrative:
XXXX XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
XXXX  XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.

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 2024-03-21 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:
I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to TransUnion, XXXX, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution.

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights.

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims.

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.

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 2024-03-21 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:
I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to XXXX, XXXX, and Experian. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution.

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights.

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims.

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.

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 2024-03-21 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: NC

Complaint narrative:
XX/XX/2024 I requested a review from the Credit Bureau ( Experian ) that they review and remove the bankruptcy on my file. I was told from the attorney that I used that it would come off in 7 years. I contacted the NC bankruptcy court and the lady that I talked with there told me the same thing that it should come off. When the Credit Bureau talked to them they told them something completely different and that it should remain on my file.

I feel that they are telling me one thing and doing the opposite.

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 2024-03-21 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
The collector is attempting to collect a debt from XXXX XXXX for a service received on XXXX. The collector claims that this alleged debt has not yet been paid. However, they are also stating that the service was provided on XXXX, which is an incorrect date. I have receipts and statements from the medical provider that support my claim that the debt was paid in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: OR

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: OR

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX 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 2024-03-21 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: TX

Complaint narrative:
I have repeatedly sent disputes to TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.

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 2024-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly sent disputes to XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.

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 2024-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I am writing to file a formal complaint against WESTLAKE FINANCIAL SERVICE. I believe this company has possibly engaged in improper repossession practices. Im thus seeking more information regarding what exactly happened here.

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1988. My Social Security Number ends in SS # : XXXX Please send me all the documents that I am requesting in the attached document

Company response to consumer: Closed with explanation