vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: NY

Complaint narrative:
I became victim of identity theft. 
I started receiving statements from Klarna showing I established Credit Line on XX/XX/XXXX. I thought it was a mistake however I continued receiving statements showing additional penalties and interest. I contacted Klarna customer service XXXX XXXX in XX/XX/XXXX to let them know I never established this credit line. The representative was not even able to find my account but assured me there is no problem. However, I continued to receive statements with more penalty and interest charged by Klarna. I contacted them again and was not getting qualified help over the phone. I asked them to provide information in writing. 0n XX/XX/XXXX XXXX replied from XXXX. We went through a few back and forth emails, finally XXXX wrote " account will be closed and all details deleted ''. I asked confirmation statement showing I don't owe anything. Shortly after, I received another email from XXXX  ( Service Center Agent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX klarna.com ) stating Klarna needs to confirm a few details with me. I received another email from XXXX XXXX ( Service specialist, Klarna Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX ) stating he submitted my claim to account specialist. The next day XX/XX/XXXX, I received another email from Klarna do XXXX stating they will be working on my inquiry and to not contact them again. I have not heard from them since. Meantime, I received another statement with more interest and penalties posted on the account. I sent XXXX XXXX email asking for progress on my case and to let me know whom I can speak with. I have not heard back. Klarna is not making any progress in resolving the identity theft issue and is charging me more and more interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was trying to send money to someone using Venmo and discovered that my account was frozen. From some of the reasons shown for a frozen account I thought that it was because they were not sure my bank would release funds. Therefore I transferred {$500.00} to the Venmo account and after it cleared I tried to send the money again. It said it wouldn't send because the account was frozen. After chatting online I was told that I received an email around XX/XX/2021 about the account. I no longer could access an email that old if in fact I got one. They re-sent the email stating that to unfreeze the account I would need to take a selfie of me holding my driver 's license and send it to them. This sounded fishy to me and I was not comfortable doing this. I then tried to transfer the money back into my checking account but it was refused because the account was frozen. Note that Venmo had no problem accepting the transfer to the frozen account but would not transfer it back. Their help agent said that this could only be handled by the account department who you can never talk to directly but have to work out only by email. The accounts department has not released my funds and have not contacted me but when they do I'm expecting them to send the same request that for the selfie which I will not do. 

XXXX transferred {$500.00} to Venmo from bank account XXXX chatted with Venmo customer service XXXX called Venmo customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, This letter is in reply to your recent Investigation Results from XXXX, file # XXXX. Where the Account Investigations are simply incomparable for account # XXXX. Where Capital One Bank has reported information that is significantly different from its previous status. Where XXXX  states : We investigated this item, verified that it belongs to you, and updated : Balance ; Date Updated ; Last Payment Made ; Past Due ; Remarks ; Rating. 

Simply stated, XXXX  is an independent business enterprise and has no control over Capital One Banks files or records. Meaning, they can not update any information that is not provided to them by Capital One Bank. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ). 

If the account information was sold to my Mortgage Lender on XX/XX/XXXX representing one set of information as, Accurate. It can not then be legally updated without demonstration while continuing to claim both reportings are then, Accurate. Therefore, here I require Capital One Bank to demonstrate the file sold to XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX XXXX, ( see copy provided ). Then I require you to also demonstrate the updated files later provided to XXXX. Today I, the consumer, am left to guess at which set of information is in deed Accurate, Complete and Not Misleading. While Federal Law does not require me, the consumer, to be satisfied with what XXXX  may choose or decide to report. As Capital One Bank is a Subscriber to and enjoys a business relationship with XXXX. Giving the appearance of a distinct conflict of interest.

I will wait no more than 20 physical days for you to reply to these requirements. If you fail I will then pursue all other means necessary and available to me to pursue XXXX XXXX  on the assumption of Inaccuracy. 

Regards, CC : CFPB FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted Capital One towards the beginning of XXXX when I lost my credit card. They told me that would send out a new card and that I should receive it within 5-7 days. Two weeks later I realized the card never came and wondered what was wrong. SO I called back and they said that one was sent out and that we should've gotten it by now. I asked for a new one to be sent out and if one could be sent Next day ( and that id pay for the shipping ) or via XXXX so that tracking could be given. They said it was not possible. I made a complaint at the Post Office with my post master and they said they would look into it for me, to no avail in finding the lost letter. I called Capital One again on the XXXX to see why I had no received the 2nd card that was sent out and the rep told me that I should have it either the XXXX or the XXXX at the latest. After checking the mail yesterday my husband insisted I call Capital One again but I said lets wait. We check today and no card so I called them again. The rep said that no card was ever sent out previously but that they sent one out yesterday, the XXXX. meaning for the entire month they lied about sending out a replacement card yet expected me to make payments on time. I asked for a supervisor and she only apologized but gave no reason to why they lied and said I would have to wait possibly another week to see IF a replacement card came. I NEED HELP BECAUSE THEY KEEP LYING AND I HAVE NO OTHER WAY TO RESOLVE THIS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH XXXX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.

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 2021-08-31 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: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH EQUIFAX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
Equifax refuses to remove incorrect personal information about me. I have been sending them letters for a year requesting they remove it. XXXX  and XXXX  had no problem removing it. There are addresses that I have NO connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2021-08-31 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: CA

Complaint narrative:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted three letters to Equifax over the past 4 months to investigate an unverifiable debt and remove it from my credit report. It is absurd that there is no information for original creditor nor a collection company name, nothing. Equifax is in violation of federal law. not only have they reported inaccurate, incomplete information they have ignored 3 requests of mine to remove this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In XXXX of 2016 my car was repossessed by credit acceptance corp. they refused at the time and afterwards to make any sort of arrangements to bring the account up current before and after the repossession. The company would not negotiate with me at all and put the account in repossession on my credit report where it remains to this day. I have contacted them multiple times to try and remedy the debt and work out an arrangement and all they do is refer me to an lawyers office and when i call the lawyers office i leave voicemails with my contact information for them to get in contact with me in order to work out any type of arrangement to get the debt taken care of and cleared from my credit report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never returned my phone calls or made any attempts to contact me. Its shown on my credit report that the amount still owed is {$3700.00} and it being on my credit report has caused me great stress it trying to finance any vehicles as well as housing for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo bank has been taking advantage of the consumers and customers and those past banker 's of Wells Fargo bank for years. And fired those banker 's for telling the truth about Wells Fargo bank illegal activities. And taking advantage of those customers and consumers and forcing those past banker 's to open up fake accounts with out the authorization and consent of those customers and consumers permission. And Wells Fargo bank has lost the public trust because of these illegal activities that Wells Fargo bank wanted those past banker 's of Wells Fargo bank to participate in all of these illegal activities. In which these past banker 's of Wells Fargo bank could have family members that are XXXX or have physical XXXX but I believe that Wells Fargo bank can care less about how the consumers and customers feel about those families that are struggling to provide for their families and loved ones just as their pockets are getting fat and getting paid to keep silent about all of these illegal activities that Wells Fargo bank has not only myself was taken advantage of but other customers and consumers was taken advantage of. Now it's quiet obvious that Wells Fargo bank was sued for discrimination and it was how a XXXX and XXXX community and the XXXX XXXX  customers and consumers and people of XXXX all over the world has been effective by all of these illegal activities that has been going on for years and decades. And I have thought that we as Americans had a right to financial privacy in which now it's quiet obvious that we don't have any privacy and confidentiality if we ever had any privacy up under all these law 's why are the consumers and customers and personal information being exsoped to the public with out the authorization and consumers and customers authorization? It's these customers and consumers information is being sold and shared with the authorization and consumers consent. And it's bad on the farm worker 's. And all of us are in a pandemic. By any means needs not to be used as a way to take advantage of the XXXX people and people of XXXX know of our language and charge the consumers and customers all of these and not informing the consumers and customers of all of these hidden fees by any means.

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 2021-08-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I did not Authorize these Inquiries. I tried to settle with the bureaus, creditors, and still no one wanted to help resolve this issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX XXXX XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX  XXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called XXXX. The amount for this XXXX debt was XXXX XXXX The address that was provided was my old address that I shared with my ex XXXX until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with XXXX and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call XXXX to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation