vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

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

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company 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 2024-04-23 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed this account and reached out to this company and I have not received any information on this inaccurate account reporting on my consumer file. SEE ATTACHMENTS

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: FL

Complaint narrative:
Fraud I tried to place an order for what I thought was a shed through the website XXXX XXXX XXXX Within moments I received an email from Klarna for an order that did not have to do with that website or item I ordered but through a company called XXXX XXXX. 

XXXX XXXX XXXX Photo shows what I thought I ordered, and photo number 1 is what put through klarna and on my card because it was a fraudulent website. 

I immediately called Klarna who said to process claim through my bank, which I did do. 

Klarna then turned my one charge into a recurring charge which I did not authorize. I proceeded to call Klarna again. They stated my bank did a chargeback for the original order and that is why they charged me again. I called my bank and they had no idea what Klarna was calling about. 

I filed a fraudulent claim with claim with Klarna and they declined it and said it was all authorized and then proceeded to charge me a third time and once again stated my bank did a second charge back which they did not do. 

I filed another claim with Klarna and my bank and canceled my card. I even had XXXX call 3 way into klarna with me stating that i ordered nothing from and I took a picture of XXXX  website because they do not accept Klarna as a payment option. Klarna declined me again saying I owed the money. 

Then klarna tried to give me XXXX XXXXracking information. The XXXX XXXXracking information does not give a full address and the picture of the home that it was delivered to is not my home. I have attached their picture and photo of my house from XXXX XXXX. As you can see from the picture there is some weird almost closet looking doors in the top left corner of the photo but my house in photo does not have that and i do not own a XXXX vehicle as shown in photo. There are many other differences in the photos I can point out but shouldn't need to. 

The phone call all alone to XXXX  should have been enough to show fraud but Klarna will still not help me. They would be willing to talk to anyone at truist if needed as well. The owner of the company is XXXX and the manager is XXXX. They have been more than helpful even when Klarna has not been. They said I am not the only one they have received a call from about another website using them for fraud. 

Instead of going after XXXX XXXX. Klarna should be going after this XXXX  XXXX but they will not listen. 

Klarna is breaking consumer laws by stating truist has completed 2 chargebacks with they have not. 

All photos are here as proof as what Im speaking of. My bank states they have not see this level of fraudulent activity in a while and Klarna should be more helpful in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EdFinancial Services
State: FL

Complaint narrative:
I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all XXXX loans. 

Upon discovering this discrepancy, I reached out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus. 

Despite following the proper dispute procedures and waiting the allotted 30 days, only XXXX out of the XXXX loans were removed from my credit report. I have made multiple attempts to contact Ed Financial without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am a big believer in Capital One as I think that they are doing their best to reward their customers. We decided to leave XXXX and join the capital one ranks with their Venture XXXX card. We did this because if you spent {$500.00} in the first 3 months you would receive XXXX miles. We spent well over the amount and were wondering where our miles were. We reached out to the company and the customer service told us that we did not qualify. I was shocked because it said on the site that if you are approved and spend the amount of money you will receive the promotional offer. The customer service rep was of no help and tried to get us off the phone. This is unacceptable from a company such as Capital One and I expected much more from them. It seems like they are lying to get people to sign up. Please don't do that. We are loyal customers trying to make a difference in this world just like you are. Help us out. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I've had a credit report show that I took out a loan from XXXX in the amount of {$5700.00}. I have reached out to them already regarding the loan, and they said they would send me a package of information on how to report the loan to start an investigation. The email which I still have said it would take 3-4 business days for the package to arrive. Nothing has arrived in the mail, I have gone ahead and contacted them again, and now they say the thirty day period is over.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This was added on my credit without my consent information is not validated.

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 2024-04-23 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: MI

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This is XXXX XXXX with my third & final complaint. Upon discovery I see that Portfolio Recovery Associates , LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the XXXX Department of Insurance to operate/collect in the state of North Carolina which is a XXXX XXXX XXXX  pursuant to XXXX XXXX XXXXXXXX XXXX. I am demanding that Portfolio Recovery Associates , LLC cease & desist all communication & collection activity immediately. Failure to comply with the following provision listed shall result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
XXXX sent a defective item XX/XX/23 for which I requested to return for a refund. XXXX customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later XXXX began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to Cedars Business services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: SC

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. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-23 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-23 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. Please see attached file for these items I am complaining.

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 2024-04-23 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
As this debt is under dispute in accordance with the Fair Debt Collection Practices Act, it is imperative that you immediately cease all collection activities pertaining to this alleged debt. This includes any reporting to consumer reporting agencies such as XXXX, XXXX, and XXXX. 

I want to make it explicitly clear that you do not have my consent to communicate with me through any medium. Moreover, I did not authorize the disclosure of my personal and private information to your organization, which constitutes aggravated identity theft. Additionally, I did not consent to the reporting of information in my name to consumer reporting agencies. 
Furthermore, it has come to my attention that the original creditor is in violation of the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties without providing me with the requisite notice as outlined in section 6803, nor allowing me the opportunity to opt out pursuant to 15 USC 6802. Your involvement in this matter makes you an accomplice to this violation.

I demand that you furnish me with the " Aggravated Value Of Purchase, '' demonstrating how much you paid for this debt. It is crucial to note that attempting to collect any amount beyond what was paid for this debt constitutes a material misrepresentation, which amounts to fraud upon the court and is both false and misleading.

Company response to consumer: Closed with explanation