vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: NY

Complaint narrative:
MyRental states that I have been evicted or had an eviction proceeding initiated. Neither of those has occurred in my rental history.

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 2023-07-03 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: TX

Complaint narrative:
Experian is reporting a Bankruptcy dated XX/XX/2017 this bankruptcy has nothing to do with me and should not be on my credit report with experian. 
Experian verifies Bankruptcies thru XXXX. However my XXXX report shows no bankuptcies.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account ... FEBXXXX  XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has taken longer than 30 days of my initial complaint XX/XX/2023. these accounts should be deleted immediately XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # 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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo put money in my account XXXX approximately and then took it out for no reason now my account is XXXX. This was done in XXXX of this year 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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 U.S.code 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion- XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 U.S.code 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX Experian- XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received a letter on XX/XX/23 that stated I applied for an account with them when I most certainly did not. I called immediately and had that application cancelled. Im concerned about XXXX XXXX opening accounts without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have some old/incorrect data on my Transunion credit report, I've filed the same disputes with XXXX and XXXX and they have removed the items. I am unable to file a dispute online with Transunion, they claimed my account required " maintenance '' and I should be able to file my disputes in XXXX business days, it has been XXXX business days and I am still unable. I called Transunion again, and they told me to continue to wait, meanwhile I am unable to get approved for a new mortgage while this is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX  account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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 an account without my written instructions.

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 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NY

Complaint narrative:
XX/XX/XXXX. 

XXXX placed XX/XX/XXXX with Klarna- this is an order that was split into 6 monthly payments. Each amount typically totaling to {$41.00}, but things are bound to change due to Klarna 's price manipulations. But besides that, there has been an issue with this order, the quality of the item not being up to par nor meeting the standards of authenticity. I reported the issues to Klarna. They said get in contact with the merchant while the installment was supposed to be paused by Klarna back in late XXXX. Efforts have been futile with both sides so I'm in a dilemma with not having a satisfactory order. I've also been getting alerts on the app that the payment is due on XX/XX/XXXX. Nonstop the order is due, the order is due. Etc etc. On top of that- for this order.. they said on the app that I owed XXXX. Now the price of what they claim I owe for this order is at {$79.00}?? It's all unacceptable & not the first nor last case with Klarna doing this to people. 

Order placed XX/XX/XXXX with Klarna - This is for a merchant I used a Klarna card with. The merchant ( XXXX XXXX XXXXXXXX ) sent me items that were far too small for a person of a tall and big build like mine. A handful of times I reached out to that merchant, without needing to be told the obvious thing to do. With no avail, I told that to Klarna and they told me to reach out to the merchant. Months later, it is the same thing. They claim to pause these orders but then decide to add new prices into the installments that were never agreed on nor has it even been warned about either. I've spoken to their specialists who have claimed to want to help but they have been no help at all, it's all like robotic-like responses. They tell me to provide them the information, I provide them the information. Several days go by after they supposedly review it, the dispute goes away and then they try to charge me again. No humanity on their parts at all. I've tried to ask for a manager too, or some higher up of their corporation but, instead a chat agent for their Klarna app, by the name of " XXXX '', decides to close the chat on me. They don't look to help, when hiccups come about with orders. Instead, they look to squeeze any kind of money they can from people, when issues come about- most especially when it falls on the merchant 's negligence of responding back and or them telling you to get in contact with the merchant, meanwhile they never tried to get in contact with the merchant themselves as well. 

The screenshots I attached are meant to show the discrepancies of what they're trying to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
Several different collection agencies have been placed on my account by XXXX  since XXXX  in order to destroy my credit score. The only mobile phone I've ever had was a XXXX phone since I could have one. The false collections on my credit report from XXXX have dropped my score from XXXX to XXXX, and I have no idea what to do. As a new teacher, I want to buy a home and a car, but I can't even do that since the false collections on my credit report from XXXX have dropped my score. My credit score has been destroyed by XXXX  sending agencies to harass me. I need help to continue my life in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my experian credit report. Experian has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to experian.

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 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
In XXXX I learned I was a victim of identity theft and fraud and personal loans were taken out in my name. 

I contacted Upgrade and they informed me a loan I did not take out of {$6000.00} was taken out in my name on XX/XX/XXXX. I informed them the email and phone number is not mine. 

XXXX : As instructed by the company I contacted their fraud team informing them I am a victim of identity theft and fraud, and I did not take out this loan and they responded. 

XX/XX/XXXX : I informed am currently working with the XXXX XXXX XXXX XXXX department on this matter and will have a police report shortly and let me know a bank account in question was closed due to fraud. 

XX/XX/XXXX : They emailed stating I have one day to produce documents. I emailed stating I will need more than one day. They continue to ask for my ID. 

XX/XX/XXXX : I asked them to provide me with the government issued ID that was used to take out this fraudulent loan and any documents associated with the fraudulent loan. 

XX/XX/XXXX : They emailed back stating, Please note there were no documents submitted on the application. 

XX/XX/XXXX : A person from Upgrade called me to do a 3 way call with XXXX XXXX bank and I explained the accounts at that bank were closed due to fraud. 

XXXX : They emailed back stating they reviewed my claim but were unable to substantiate my claim of identity theft. 

XXXX : I emailed them continuing to state I remain a victim of identity theft and fraud, I did not take this loan out and included a copy of my ID and the police repot from XXXX XXXX department Report # : XXXX. I directed them to contact the XXXX department with further questions. 

XX/XX/XXXX : I emailed them a Federal ID Theft Affidavit with the XXXX XXXX Report # again stating I did not take out this loan and it is fraudulent. 

In between emails I made phone calls inquiring about updates to status, continuing to let them know I did not take out this loan. 

In XXXX XXXX and XXXX, XXXX all appropriately removed this loan from my credit report with the supplemental documentation provided police report, Federal ID theft affidavit, and my ID. 

After the fraudulent loan was correctly removed from my credit report, XXXX continues to harass me sending me letters I owe them a debt and then wrongfully contacted the credit bureaus stating this loan was valid after being provide all necessary documentation, written communication and phone calls stating this loan is fraudulent. 

I have asked them to stop harassing me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received an American Express pre-paid online gift card in the amount of XXXX. I tried to use the card at a number of online merchants, XXXX, XXXX XXXX, XXXX, XXXX. The card was declined at every merchant where I tried to use it. The card was activated and there were sufficient funds. 
I called American Express on XX/XX/23 and XX/XX/23 to request assistance. They indicated that the card was being declined because the merchant was marked as fradulent in the American Express system. Every merchant where I tried to use that card was declined. They indicated that I should just keep trying to use it until I found a merchant where it was accepted. They could not provide the name of a merchant or a list of merchants that would accept the card. The merchants were not declining the card, it was american express declining the transactions because they felt the merchants were fradulent. 
I tried a second time to get help from Amex and was transferred to a " supervisor '' who after an hour had still not picked up their phone. The card is unusable. Amex has the XXXX and will not provide assistance on how it can be used.

Company response to consumer: Closed with explanation