vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has lowered my score for the following reason : Score Factor : Open real estate account balances are too high compared to their loan amounts I have never been late in paying my Mortgage, and it is not fair to considerably lower my score to XXXX from more than XXXX for the above reason because it is not true. 

Also, TransUnion is the only credit report company that has unfairly lower my score. 

XXXX and XXXX did not lower my score. 

Please, I need your help. 

This is not fair to consumers as we work hard all our life to maintain a high credit score.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. Section ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
After sending several disputes to XXXX XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call XXXX XXXX XXXX to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from XXXX XXXX XXXX plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: IN

Complaint narrative:
Consumer Financial Protection BureauXXXX & KlarnaLetter of ComplaintNever Received Numerous Refunds ( # 1 ) XX/XX/XXXX Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services. 

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time. 

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) XXXX XXXX ( CEO ) XXXX XXXX ( CEO Chairwoman ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Purchased a car in 2013. The car was stolen and vandalized. The insurance company total the vehicle out. I also had GAP insurance on top of my regular insurance. Whatever my regular insurance didn't pay for GAP took care of the rest. {$21000.00} total and a balance of {$11000.00} is still on my credit report and this is false. This account has been taken care of by the insurance company and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
As the original creditor I did not validate these account, I am a victim of Identity theft these accounts are belong o someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I entered a consumer credit transaction with AUTONOW and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that AUTONOW claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. AUTONOW has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America failed to mail statement to my address per account instructions for the last 10+ years. Statement was not received which resulted in 1 day being late and a {$28.00} fee was charged. I disputed the fee in writing over 30 days and there has been no response by Bank of America to reverse the fee. I feel this is a purposeful act by Bank of America to pump up fees to customers. This will some day result in a class action like all of XXXX XXXX accounts for doing similar practices.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.

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 2021-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
In 2015 I started working for this company as an XXXX XXXX and required to stay on property. While working I became very ill and it cause me to go on XXXX. Still being employed with this company I tried my best to come back to work, but my doctors wouldn't permit it. I was terminated but not without this company continuing to pay me XXXX for 2 years plus. I wrote a letter to the property manager at that time to let her know that I will no longer be staying on property due to the termination. It was approved and due to me working there I didn't have to sign a lease like a new resident. Once my XXXX stop 2 years plus later, I started receiving letters stating that I owe {$1400.00}. This is false and I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was XXXX in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each 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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each 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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants and Professional Bureau, Inc.
State: CA

Complaint narrative:
XXXX has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that XXXX  never once informed them that their information on my CR had been reported as resulting from identity theft. 

XXXX has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: 3rd Generation, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : XXXX SSN : XXXX XX/XX/2021 Dear XXXX  XXXX XXXX XXXX, I'm writing this letter in regards to the above-referenced repossession account. I'm very upset that you are reporting this inaccurate repossession account on my credit report as it's really damaging my credit score. This inaccurate listing is a mistake either on your part or the furnisher 's part. 


Creditor : CALIFORNIA XXXX XXXX, Account : XXXX This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 


Please update, modify or remove any account that is not reported 100 % accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased this card and I kept on having issues using the card. Turns out that someone used my funds and registered the card under their own name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company & account appeared on my Experian credit report stating an account was opened with XXXX XXXX XXXX on XX/XX/2021 and that I owe them {$670.00} This information is False & fraudulent & needs to be removed from my credit report immediately. I have filed disputes with all 3 credit bureaus & It needs to be taken care of. I have worked extremely hard during Covid 19 to pay all my credit cards & loans Every Month. All of my accounts are paid on time & seeing this False account appear on my report is disturbing & WRONG.

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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been using binance. XXXX after being told that us customers needed to make accounts on the US version of binance. A few months ago after trading crypto on binanceXXXX it all of sudden said my account is pending verification. I submitted a ticket and have also send in my documents for verification but it has been 2 months since XXXX and am unable to use my account to trade crypto. My money is stuck in the account and I am unable to withdraw to my bank as well. IThis is outrageous please help with this issue. I have thousands of dollars unable to use and withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company & account appeared on my XXXX credit report stating an account was opened with XXXX XXXX XXXX on XX/XX/2021 and that I owe them {$670.00} This information is False & fraudulent & needs to be removed from my credit report immediately. I have filed disputes with all 3 credit bureaus & It needs to be taken care of. I have worked extremely hard during Covid 19 to pay all my credit cards & loans Every Month. All of my accounts are paid on time & seeing this False account appear on my report is disturbing & WRONG.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This credit agency has put an account with a company called XXXX XXXX XXXX on my report, stating that I opened an account with them on XX/XX/2021 & owe them {$670.00}. This information is completely false & fraudulently being reported. I have worked extremely hard during Covid 19 to keep all my payments on time & have been 100 percent on track with all my credit cards & loans. This fraudulent account needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Smith Law Firm, P.C.
State: MT

Complaint narrative:
Lost 99 % of the money in my account that is needed to live and pay bills, to repay the debt from the judgement. Never got a summons to court or notification of being sued. Called attorney but attorney never responded back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XX/XX/2021 I sent out a letter via certified mail to the consumer reporting agencies informing them of the fact that there was inaccurate information being reported on my consumer report. There is a collection account being reported from XXXX XXXX for {$9000.00} I informed them that I was not liable for the collection and that I was in fact a victim of Identity Theft and also sent them the FTC report. I continued to send the documentation and my disputes are still being ignored, they are still reporting inaccuracies on my report and are not complying. I feel disrespected and violated, at this point I will pursue any avenue in order to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
I came back from vacation from my pops funeral for 2 weeks visiting my family out of town. I checked the website and it said XXXX cardholders recieved their stimulus on the XXXX th of XXXX. I came back in town looking for my card couldnt find it. Call the costumer service they said my money was received. I havent received nothing someone stole my card. On the the XXXX they put in a dispute for me bit I never heard nothing back and I keep calling getting different agents DirectExpress customer service. Requested a new card and everything.

Company response to consumer: Closed with explanation