vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: IL

Complaint narrative:
I requested a method of verification through experian because they would not allow me to submit another dispute claiming that they verified that the accounts I wanted to dispute have been verified! Instead of sending the method of verification they sent a broad statement and opened another dispute that resulted in the same finding, that the accounts have been verified. I contacted the reporting agency and they verified that that dont report any information to the credit bureaus or third party vendors!

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
This card was part of a bk ( {$3800.00} XXXX XXXXXXXX XXXX XXXX  ) Gurstel Law Firm P.C. sends me to voice mails. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery.

- Request for Lien Removal Attached is a copy of the court doc removing our attorney THURSDAY, XX/XX/2020 XXXX XXXX  XXXX3rd Written Request - multiple calls no return>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.

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 2021-10-07 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: MD

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX a negative mark was removed from my account. Now Im XXXX its reinserted back on my credit report for XXXX. I do not owe this debt and it was previously removed. Also it was sold to another collection agency. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After opening an account at Capital One I requested equal access for my disability. I was told the disabled had to wait 20 days by XXXX, XXXX and XXXX managers at Capital One. All 3 persons hung up on me saying the bank would decide my disability and the bank would decide the accommodation under the ADA. They refused to take any information about my disability for an appropriate accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union reported 3 criminal records on me. ALL 3 ARE BOGUS. 

1-they reported a routine civil traffic violation as a XXXX XXXX  FL criminal complaint and settlement. Totally bogus. 
2-they reported a XXXX XXXX XXXX XXXX XXXXn XXXX XXXX  FL . I lived in XXXX  until XXXX and NEVER have had a XXXX XXXX complaint. 
3-they reported ANOTHER bad check incident in XXXX XXXX  FL in XXXX ( or XXXX... hard to tell ). I lived in XXXX  until XXXX and have NEVER had a XXXX XXXX complaint or charge. 

This has affected my immediate urgency to get a rental home. 

Shockingly bad behavior from a crucial company in this process. 

I have an occupation that would have revoked my license if I had such complaints. None of the above happened.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a credit balance on my rewards card. I called to have it transferred to my Citi savings account. Instead Im told I must mail in a request for my own money to be put in my account. Citi needs to do this over the phone or at least give me an email address to get this deposited into my savings.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX EST So I called Citi and somebody asks me why I am disputing I attempt to read to them the refund policy of the website and immediately met with hostility by this women who interrupts me and starts talking over me. I told her I am done talking to her and asked her name, she refused to give it to me and kept babbling on some XXXX about how she was trying to help. This is tortious interference, customer service acting like fools and waiting time, making it impossible for me to reasonably launch a dispute.

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 2021-10-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Experian that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from 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 2021-10-07 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: MD

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint.The report number XXXX. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I sent an email and letter to Capital One : " Earlier this year, I made a settlement payment to pay a total of {$1700.00}. I paid that off in XX/XX/XXXX. I sent a letter months later asking to have the account removed from my credit report but was denied. 

I would like for you to understand that I have been going through a very hard time dealing with XXXX, XXXX XXXX, and family death, however, I managed to pay the settlement in full. 

I'm planning on buying my first home and since the account hasn't been removed, that has stopped all proceeds with my lender until this old, closed account is removed. I know it's scheduled to be removed in XX/XX/XXXX, but I would like to know if it can be removed now since it is paid. Please consider removing the account as it is negatively affecting my current chances of purchasing a home. '' I recvd a call from Capital One and they still refused to remove since it was paid. They tried to tell me that they don't remove accounts until the 7 years are up, however, I have testimonials that they do remove especially if the account was paid. They didn't give me any other reason as to why it couldn't be removed. I have sent numerous letters since I paid the account in full and they resend letters without description of why and no verification as to why it should stay on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: MI

Complaint narrative:
I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo mailed me a letter that said that I had opened an account. They mailed this to my home mailing address which I never use. I went to the local branch and they were very helpful and called someone at Wells Fargo to report the identity theft who gave me identity theft case # XXXX. They will not give me a copy of the application from and where and whoever applied for this opening of the checking account, as they state it was online. They have all of my identity that they captured/got from somewhere and I would like to know who, what, and where they got or stole my information. The only thing wrong when I asked the helpful lady at the branch was my drivers license expiration date and my email were both incorrect. Otherwise my social, home address, date of birth are all on it and correct even my home phone number I never give out. Given the history of creating fake accounts with this company is Wells Fargo back to their fraudulent methods new account creation methods? I also opened a case with XXXX County, WI Sherriffs office case # XXXX. 

My combined credit/FICO score went from XXXX on XXXX to a XXXX on XXXX. The credit reporting agency XXXX XXXX does not answer/or allow you to speak with anyone ( what a joke to put a freeze on your account. XXXX made me send them a copy of my drivers license and a photo of myself prior to putting a freeze on my account and tried to sell me some {$99.00}. credit monitoring to place the freeze on it. XXXX was easy to place the lock on the account after establishing a PIN number. 

Thanks, 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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: MI

Complaint narrative:
I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ...... 

*AGENT # 1 ...... 
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face. 

*AGENT # 2 ...... 
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in. 



Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.

Company response to consumer: Closed with explanation