vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: Kikoff Inc.
State: DE

Complaint narrative:
According to USC 15 1681s-2 : A person s 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. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My XXXX report has been violated by XXXX as well as Kick off LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I keep getting notifications from Credit Karma that I have excellent approval odds for a citi credit card. 

My husband and I are currently starting XXXX XXXX and are trying to pull every penny we have together so that we can afford to pay for it since neither of our insurance covers the cost. 

We have been working very hard to raise our XXXX XXXX and needed to take out a credit card to cover the {$10000.00} XXXX for XXXX. we decided because Credit Karma had guaranteed us excellent approval odds the only thing left to do was to take out a credit card to try to make sure we had enough money to pay for my medication. Without the medication, we can not start the XXXX procedure. We put our trust in Credit Karma and applied for the credit card.

I looked on the Credit Karma website for the best odds for credit cards that we would be approved for. Credit karma showed a few cards that said I had excellent approval odds for at 0 % interest. We decided to sign up and apply for the XXXX XXXX and were immediately declined by XXXX without explanation. 
I went on the chat to try to speak with a representative at Credit Karma to see why they were tell me I had excellent approval odds only to be declined and have my credit score affected. We need to take out a loan for the medication and now they have ruined my credit score by falsely advertising that I had excellent odds for a credit card when the credit card company immediately declined our application and ran my credit which is close to XXXX. 

This is very misleading and we are devastated. We thought that we had found a way to be able to pay for the medication by taking out the credit card that we were shown through Credit Karma that we had excellent approval odds for. Our hearts are broken and now they have done a hard credit check that is going to lower my credit score when we still need to take out a loan or a credit card to pay for my XXXX XXXX 

This is not fair at all, and I would like credit karma to be held responsible for their false and misleading advertising, giving us hope that we had a chance of getting this credit card when in fact, we did not. They should not have the right to give approval odds to anyone, if they are not certain they will go through. I would truly like help with this from you all before speaking to an attorney. Please let me know what my next steps are, because we are devastated and heartbroken over this and we were very misled by their false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate

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 2024-01-20 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: AR

Complaint narrative:
I received dispute results on XX/XX/2024 from Equifax stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX management ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my Equifax report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate

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 2024-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have some inaccurate information on my credit report, and I sent in some letters about 60 days ago and I have not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: FL

Complaint narrative:
I have some inaccurate information on my credit report, and I sent in some letters about 60 days ago and I have not received any response.

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 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made 2 purchased using my chase freedom unlimited card ( XXXX {$540.00} on XX/XX/year>, XXXX {$370.00} on XX/XX/year> ) through 'Shop through Chase ' Portal. Based on Chase 's online information, I was supposed to receive about XXXX points/dollar bonus points from these purchases, however, I've never received them. 

I called chase 's customer services for several times : 1, 1st time I called, they said they saw it went through and I just needed to wait.

2, 2nd time I called them ( still didnt get the bonus point after 1 month ). They said there was no bonus points unless purchase for travel and they kept asking me to read the agreement again.

3, 3rd time I called they said they would take a look.

4, 4th time I called they said they would take a look.

5, 5th time I called they said they want to contact supervisor but the call ended and please wait for next for next available customer services forever.

Ive used purchase through chase for many years, and I dont need to re-read the agreement to confirm it. 
I also have browser record to show that I visited XXXX and XXXX from Chase portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: DC

Complaint narrative:
Consumer Number : XXXX Case Numbers : XXXX, XXXX, XXXX, XXXX I received erroneous mail/paper communication from LexisNexis claiming that my disputes are being put on hold because they were unable to verify my identity. After filing a complaint and listing the disputes, a representative from LexisNexis already called me to discuss the disputes, hence LexisNexis was already able to verify my identity in connection with the disputes. I continue to have problems with LexisNexis 's investigation of this problem, and they have been unwilling to fix incorrect information on my report.

As a courtesy, I've attached two forms of identification for LexisNexis 's team 's reference ( one with prior address and one with current address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.

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 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I had a loan with one main financial. I filed bankruptcy and they reposed my car. I was paying on the loan and was told by the bankruptcy lawyer not to make payments till future notice to the loan. I was not given any notice about repossession. I came home and my car was gone. I called they told me I had to pay the remaining balance of the loan in order to get my car. All my possession in my car I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.

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 2024-01-21 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: FL

Complaint narrative:
The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXXXXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate

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 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
XXXX XX/XX/XXXX : Attempted to send cryptocurency to known, legal, and reputable associate for payment. Purchase of XXXX succeeded, but send failed. Assumed it was a glitch and dealt with payment by other means. 

XXXX XX/XX/XXXX : Attempted to use account again. Failed. Noticed that account is restricted from sending crypto AND purchasing crypto. Opened support case XXXX. Was told it would take an undetermined amount of time to investigate, but I would be contacted when it's resolved. My guess at this point is that some algorithm flagged who I was paying as suspicious. 

XXXX XXXX opened support case XXXX because hadn't seen update. 

XXXX XX/XX/XXXX : Notified that Purchasing was enabled on my account. Checked, and purchasing is enabled, but sending is NOT enabled on my account. 

XXXX XX/XX/XXXX : opened support case XXXX to get sending enabled. Told that this will take an undetermined amount of time to investigate, and I will be notified when resolved I was not notified. The case says it's resolved, but none of the cases on the website provide a date of resolution. 

XXXX XX/XX/XXXX : Contacted customer support to get information. Representatice says : " Thanks for waiting, XXXX. After reviewing your account, it appears your sending restriction will remain permanent. Please know that we are not able to provide more information regarding this decision on your account and on how these are made. '' Representative confirms that I may never send crypto via Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and seen a fraudulent account activity from XXXX XXXX on my report. please remove this account from my report, its hurting my ability to obtain credit.

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 2024-01-21 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: GA

Complaint narrative:
We have closed our Mortgage back in XXXX. There was a miscommunication on payment due to refinance. They have removed from only XXXX and no TransUnion or XXXX damaging our credit integrity. We would like the reports removed from both myself and my wife as they are erroneously renewing the entries past tue fair credit report act. 

We are having to pay a XXXX XXXX XXXXr to resolve this.

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 2024-01-21 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: AR

Complaint narrative:
I received dispute results on XX/XX/2024 from XXXX stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX XXXX  ( XXXX ). For all XXXX CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my XXXX report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.

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 2024-01-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received dispute results on XX/XX/year> from XXXX stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX XXXX ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my XXXX report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.

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