vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all 3 credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

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

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

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-05-06 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: NC

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have been in the XXXX XXXX XXXX XXXX XXXX XXXX. Understanding the dynamic of how our XXXX is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/year> I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA XXXX loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit 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: Klarna AB
State: MI

Complaint narrative:
In XXXX, I used Klarna financing to purchase a preorder of roses from XXXX XXXX with an anticipated ship date of XX/XX/XXXX. The purchase total was {$830.00}. Klarna was an available purcase option which means that the company was a partner. What I didn't know was that XXXX XXXX, owner of XXXX XXXX XXXX was on probation for fraud and had basically committed fraud continuously with various business ventures from XXXX to the present. 
Towards the end of XXXX, it came to light that zones XXXX and XXXX hadn't received any roses yet. I was concerned and immediately asked XXXX XXXX XXXX to cancel my order. They stated they would cancel and refund. They refunded at {$0.00}. Most people have not been successful in getting a refund. I reported to the PA attorney general and the FTC. They took thousands of orders. 

I filed my first claim with Klarna at the end of XXXX. This was a preorder that should have shipped in XXXX. I sent Klarna my correspondence with the company confirming my order was cancelled as well as the fake refund email. Klarna never bothered to do a chargeback. I called Klarna repeatedly over the last XXXX  days. Klarna NEVER requested any information. I finally sent an email in response to an email Klarna sent asking me if I'd like to close my case early. Klarna 's response was to tell me that now my preorder order was too late to file a claim. They intentionally ran out the clock so that I was XXXX days past the ship date. I am on I believe my XXXX claim with Klarna. 

I want others to know that Klarna partners with scammers and that their buyer protection doesn't mean anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need the address of XXXX XXXX XXXX XXXX PA XXXX REMOVED. 

I need all incoming mail from credit reporting or disputes to be mailed to : XXXX XXXX XXXX XXXX PA 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 2024-05-06 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-06 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: VA

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MA

Complaint narrative:
I am reaching out this way, because Chime has committed bank negligence when it comes to my account and it's supposed to be a mobile banking app, but there is inadequate customer support and trouble shooting for the technical support, my app hasn't worked for the in-chat support in over 2 months and I let them know about it and no on has helped fix it, so I'd be able to directly handle my banking issues with them. 
There has been a plethora of issues over the last 2 years. 
Chime has false advertisement for their credit builder account which I had from XXXX. The account is not supposed to be able to overdraft, it is a secured debit card that reports to the credit bureaus, but there was no borrowed line of credit. At some point the credit builder account had a negative balance and the account was closed due to inactivity. 
I made a deposit to repay the balance in the amount of XXXX on XX/XX/2022, which then adjusted the statement to reflect a balance of XXXX owed. 
This credit builder is on my credit report and shows as I owe, account closed, and a write off, all as derogatory marks. 
I contacted chime to let them know and they said they will fix it, they still to this day have not changed the remarks, or update it to show that the account is closed and paid in full. 
Chime STILL has a credit builder account in my name, which there should be no account in my name, I haven't authorized a new account after the original one was closed and I paid them back. This other credit builder account appears on the app, I have contacted them regarding this numerous times to no avail, they will not explain it nor remove it off my account. Essentially chime needs to delete that account off my name at this point, for false reporting over the last 2 years, which has hindered my financial success and endeavors. I am a single, XXXX mother, with low-income, this is definitely targeted attack against me, in attempts to systematically keep people like me stifled. There are several violations chime has committed in regards to the fair credit act, accurate reporting, fair and equal lending institution. 
I want my credit report to reflect the proper information, this has been such a major inconvenience on my life, it affecting XXXX XXXX at this point. 
I need chime to properly resolve this matter once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit report it is reporting several hard inquires on my credit since XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The amount of interest is absorbent and beyond reasonable for a payday loan. Also, from my understanding in Texas you should not be charging more than 10 % interest by law. Also, my initial amount was {$100.00} and I paid that off and I then requested {$420.00}. All I wanted was a short term small amount of money with reasonable payments but that's now ballooned to {$590.00}. I understand my payment became past due as a result of my own financial struggles taking care of my daughter who is ill. I am not refusing my obligation but I can not afford {$590.00} payment.I can make a reasonable payment of {$130.00} every XXXX weeks to resolve this loan repayment. 

I keep receiving this text : Cash Central has options for your past due bal. Call XXXX for assistance or visit to make pmt. TXT STOP XXXX OPT OUT I have called twice. The first time I called a gentleman answered that I didn't understand. I said hello and the call was released not on my end. I called again and was on hold for a long time then I heard a recording saying call back during business hours ( without business times being provided ) and the call was then released not on my end. 

I am filing this complaint because this loan agreement appears to be predatory. 

I have attached email receipts of payments and agreements, contracts, and online info from the Cash Central website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-06 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I deposited XXXX checks {$73.00}, {$67.00}, {$35.00} into my square account successfully on the above mentioned dates. A month later I found out the checks were declined by the bank. I received no communications from the bank. not on my XXXX XXXX that the checks were declined, nor in writing. I called them today, XXXX and found out they imposed a new requirement to write on the back of checks mobile deposit to square only. However, I was not informed of the new rule, I have not kept the checks I deposited because I have been depositing checks regularly since XXXX and have had no problem until now. 

It is wrong to set new rules for deposits and to decline a payment without communications and notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is withholding funds from my account from a check that has already cleared. I deposited a check from XXXX XXXX XXXX, into my Chase XXXX account on XX/XX/year>. 

On XX/XX/year>, XXXX paid the funds to Chase. 

As of XX/XX/XXXX, XXXX days after the check cleared, Chase still has not deposited those funds into my savings account.

Company response to consumer: Closed with explanation