vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
i have a problem with credit Karna about being open an money spend account and saving aacouny with them. Due to they can not verify my personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I went into a dealer to buy a car and the salesman turned me away before running my credit and asked me to leave so I don't understand how they could run it when they told me they weren't going to because they didn't want to sell me a car

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Submitted a timely dispute for a purchase dated XX/XX/2021 for {$320.00} from XXXX XXXX XXXX XXXX. Initially, I only requested a billing adjustment for half of this amount amounting to {$160.00}. The air conditioning service received in my home was less than adequate, I made the company aware of this and filed a XXXX  XXXX XXXX complaint. On, XX/XX/2021, the company sent an email advising they are crediting the full amount of {$320.00}. On, XX/XX/2021, I reached out to American Express chat to amend the dispute to reflect {$320.00}, not knowing if the merchant is going to follow through with the credit. The lazy representative did not follow through on my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX XXXX or Transunion!

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 2021-09-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from Experian, XXXX  or 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 2021-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There was no sub category for this issue. My complaint is against Equifax. I have been battling for months to get a fraudulent debt removed from my credit report. Equifax knew this debt was fraudulent but refused to remove the companies, XXXX XXXX XXXX, trade line from my credit report. Equifax finally removed XXXX XXXX trade line from my credit report yesterday. Before Equifax removed this fraudulent debt from my credit report my credit score with Equifax was XXXX. Now its XXXX. I had a collections account in the amount of {$800.00} removed from my credit report and my credit score only increases by 4 points. Equifax is deliberately keeping my credit score low to retaliate against me for filing the complaints against them that I filed. Equifax is mad at me because I exposed their lies and shined the spot light on their illegal activities. Equifax lied and said they had received additional information from the original creditor of the fake debt XXXX XXXX made up and submitted to them to scam me out of {$800.00}. They claim this information validated this fake debt. I submitted a letter to Equifax from the original creditor that said I was not responsible for this debt. There is no way Equifax received this additional information they lied about receiving. After I exposed this lie and they were forced to remove XXXX XXXX XXXX trade line from my credit report they got mad. I also filed a compliant with the GA Attorney Generals office letting them know Equifax is aiding and abetting in a crime. Now Equifax is retaliating against me by keeping my credit score low. There is no way my credit score only increased by 4 points when I not only had a collections removed but my debt decreased by {$800.00}. I am sending copies of these complaints to my lawyer who is in process of filing a civil suit against Equifax and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sky Blue Financial Services, Inc.
State: OR

Complaint narrative:
I signed up for Sky blue credit repair in XXXX. It started as a 7 day free trial. They did nothing in the 7 days but send me a list of items they would send disputes for. They then billed me XXXX dollars and sent out a few disputes. I signed up for a joint account, myself and my husband. For him they sent out 2 disputes and marked everything else as " stop '' meaning they didn't send out anything. They emailed and said they needed a phone call and then account numbers. I spoke to them on the phone, I also emailed telling them we want everything disputed and do not have account numbers nor did we have to provide them previously when working with another company. The company then directed me to pay for another credit report and get those account numbers. NO I paid you for a job that you have failed to do. I am beyond unhappy with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent out letter to Equifax XXXX XXXX regarding inaccurate and false information on my credit report. It has been over 60 days and I have not received and type of response yet. I feel as if Im being taken advantage of, and my disputes are being ignored by the credit these three credit reporting agencies. Section XXXX XXXX a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has gone over the 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately. If these items are not removed I will be forced to file for litigation due to stress that has been caused because of this. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I believe that I am a victim of identity theft and these agencies refuse to acknowledge my cries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
OnXX/XX/2021 letters were regarding inaccurate and incorrect stuff on my credit report. It has been 60 days and I have yet to receive any type of response yet or acknowledgment in regards to my credit accounts. I am clearly being taking advantaged of, and my disputes are being ignored by XXXX, XXXX  and Equifax. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has been over 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am currently a victim of identity theft and although these companies are aware of this they continue report false and misleading information on my accounts which is clearly not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: GA

Complaint narrative:
I am a victim of identity theft XXXX XXXX, XXXX, XXXX, has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
It's been more then 90 days since I send out letter with no response until much later date. 
I have been trying to take care of the account but can not do it online nor over the phone. So there seem to be no way to make the payment. They make it very difficult to take of this account. And it's affecting my credit all this time. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5900.00}.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$400.00}.

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 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sarma
State: TX

Complaint narrative:
This account was paid in full with the agreement they would delete the negative reporting on my credit score. It's more then 90 days since this account was paid and it's still showing my credit report. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I called KIA Finance to correct the improper reporting. They said I was 4 months late XXXX, XXXX, XXXX and XXXX on my payments which was a lie. My payment was {$600.00} I sent {$1000.00} every month to pay {$390.00} on the principal. Then I paid {$10000.00} in XXXX because I wanted it off my credit by XXXX. They not only made me lose a mortgage, they made me lose {$100.00} to the inspection company for canceling the inspection at the last minute. My credit was PERFECT with this company. NEVER LATE EVER!

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one closed my secured card and I want to dispute they have no right closing a card when I put money down as a payment I put XXXX down plus just made XXXX and they closed it, please help and they will not even approve me for a basic credit card, credit card companies should treat everyone equally, not a low number special people should not only get credit, I am very XXXX off when I go to make a payment and the card is closed please fix this I want my refund back XXXX or they open me a new credit card with no obligations, credit reporting agencies need to stop reporting old credit, Capitol one should be investigated for this they have no right closing a XXXX card when I pay the bill please help DO NOT Discriminate against people with bad credit who work hard, I always paid this card early not late, these credit practices need to be stopped, I am outraged It said restricted now its closed, I am disputing this I want a new unsecured card in my name with no restrictions, they owe me money on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Affirm Holdings, Inc
State: IA

Complaint narrative:
There are two adverse accounts on my XXXX  Credit Report from Affirm inc that do not belong to me and is a result of fraud. I wrote a letter to Affirm inc in XXXX of 2021 and as of the date of this writing I have not received a response. This writer has tried disputing with both creditor and credit bureau and it keeps coming back as verified. I filed a police report and and ID theft affidavit with the FTC all to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2019 with a balance of {$4600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft XXXX XXXX, XXXX, XXXX, has fraudulent accounts on my credit profile that needs to be removed 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