vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2022, I requested online to stop an auto pay to XXXX XXXX. A week after, I received a confirmation letter that a cancellation of auto pay has been processed. 

But on XX/XX/2022, upon review of my monthly statement, there was a withdrawal of {$150.00} in my account with ACH auto pay reference number. I called Citibank customer service at around XXXX XXXX, XX/XX/XXXX. I was transferred to another representative, who run a series of questions. According to this Citibank XXXX representative XXXX  has to process this reversal just by answering " yes '' or " no ''. 

I was actually surprised by this procedure because the last time I cancelled auto pay, all I need to do is go online and cancel the Merchant 's name. 

The last question, was " did you contact the merchant? '' My answer was no because I already informed of Citibank of the auto pay cancellation prior to being charge by the XXXX by at least a month before the charges. The Citibank customer service told me that the reversal was not approved because I have not contacted the XXXX. 

After this incident, I notified the merchant that I am cancelling the payment and their service ( XXXX  XXXX ). 

I think, since I requested a cancellation online and it was confirmed by a letter, the charges should be reversed. Citibank should reverse the charges.

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I have disputed this debt several times. They say they validated the debt. According to XXXX5usc1681b no permission to place on account. Falsely placing is grounds for imprisonment and or {$1000.00} for the violation. The debt is originally from XXXX. XXXX is no longer in operation, so who did you talk to to verify the debt. How can you validate and say the debt is mine. BREAKING PRIVACY LAWS> {$1000.00} XXXX tried to call XXXX to get a resolution. If I can't reach them how are you???? 
Where is the paperwork that I signed? 
I asked them how did they verify the debt and not to send a bill, because a bill doesn't reflect I actually owe the debt. 
I want the original paperwork that I signed with wet ink to show I signed it. I want my money for this violation!!!

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX  : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX  : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX : XXXX The payment status is incorrect /High balance is in correct. 


6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX  XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-12 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: KY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have been doing business with PayPal since XXXX, 2022. I have always delivered my products to customers. I have updated tracking. They permanently restricted my account and are holding {$1800.00} from me for XXXX days. I am not able to purchase my customers products or receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-12 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: NJ

Complaint narrative:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX days, It has now been over that period since your receipt of my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed this capitalone XXXX card on XX/XX/2022, XX/XX/2022 in EXPERIAN has refused dispute or delete this account. I asked for XXXX and EXPERIAN to send a signed contract and I have not received anything!

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Spoke with agent XXXX XXXX XX/XX/22 approximately XXXX XXXX- I Wasn't aware of debt until found on credit report-XXXX said XX/XX/22 XXXX got my new address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX the day after they received acct XX/XX/22 and sent first and only collection letter- no corespondance was sent to new address although they identified a new address for me- I advised XXXX I hadnt lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX since XXXX XXXX said it isnt their responsibility to check their files for new addresses before credit reporting- I told XXXX I dont know if its my debt because Ive moved and XXXX ( original creditor ) has my correct phone number and I havent received any calls and she didnt offer debt validation/verification letter- Representative wouldn't answer questions about debt, said she didn't want to argue with me-Requested supervisor transfer agent refused and as she will have supv call back but she doesnt know when- When I asked her to document on my file they had my correct address the day after they received acct she said no-Said she will only document acct for supervisor to call back and there is no formal dispute process- XXXX implied repeatedly no action will be taken- I want this removed from my credit report because no attempt for contact was made after they got current address

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good Afternoon, On XX/XX/2019, we filed for bankruptcy due to medical illness and the process of applying for XXXX  XXXX. My XXXX  XXXX was approved XX/XX/2019 so we cancelled the bankruptcyXXXX. The Bankruptcy was dismissed/Closed by the US Bankruptcy Court by XXXX XXXX XXXX USBK Court XXXX Texas XXXX XXXX XXXX. 

In reviewing our credit report we noticed the bankruptcy report was on our record from XXXX, XXXX and Transunion. We filed a dispute with all three bearus and XXXX and XXXX deleted the report from our record, however Transunion did not remove it from the record. I have filed two more disputes with Transunion and they refuse to remove the bankruptcy. This is hurting my credit and having a hard time getting credit. 

Please assist in getting the bankruptcy report off my credit. 

Thank you, 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 2022-08-12 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: Synovus Bank
State: NC

Complaint narrative:
I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. 
I am currently on XXXX  and was XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX  and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
First off Federal Law prohibits anyone from collecting taxes other than the taxing authority. KIA Finance ( KIA ) is attempting to collect taxes on behalf of a municipality where I do not reside and have not resided in a year. 

KIA paid taxes to a municipality where I did not reside. The taxes they paid represented XX/XX/XXXX to XX/XX/XXXX. KIA told CFPB ( Complaint XXXX ) that the taxes they paid were for the year XXXX but that is false. The CFPB closed the complaint based upon KIA false claims. KIA hasnt even requested a refund from the State of Massachusetts XXXX XXXX XXXX who is aware of the false taxation levied against me. I am XXXX  and use my car to receive daily care at a XXXX  facility and KIA has threatened me with destroying my credit because of these false and illegal taxes. 

I contacted the XXXX XXXX XXXXXXXX, MA at least XXXX in writing ( email and registered mail ) see attached and they claim that KIA hasnt requested a refund of the erroneous taxes and that they may take another month to issue a refund even though I first asked for the refund in XXXX, XXXX. 

The CFPB needs to ask Congress to disallow Auto Finance companies from acting as tax collectors. This is not lawful and if a tax authority can not find a former resident ( because they moved ) more than likely its because they left the state. Each state has license plate readers so they know when residents leave the State for good. This is unlawful false debt collection that is causing serious harm to Americans who are being forced to move frequently due to ridiculous increases in housing costs. Please do something to help Americans rather than just close claims. It is becoming difficult to stomach paying taxes to any State or the Federal Government anymore.

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 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Wednesday XX/XX/2022 at approximately XXXX, I was given a wrong phone number to transfer funds through XXXX XXXXXXXX XXXX  through my Bank debit card account. The person received the money and refused to refund it. The wrong I send the money is XXXX. The denied my request and block my phone. My bank said, they can't doing anything to help me, even though I used the debit card and account to complete the transaction. XXXX XXXXXXXX XXXX company is defrauding millions of hard working Americans with help of the Banking institutions. I reported it to the banking fraud department, but to no avail.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, has violated my rights, and 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Follow-up complaint to resolution of complaint ID # XXXX. 
I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. 
According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 
I believe these are clear violations of my federally protected consumer rights.

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 2022-08-12 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: NJ

Complaint narrative:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.

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 2022-08-12 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: NJ

Complaint narrative:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.

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 2022-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After buying a car for {$1200.00} it was sent to express delivery service. They told me the car was on its way then said I needed to pay a {$1500.00} payment for a smoke test. After exchanged emails and XXXX messages ( both companies ) I made the payment. They said everything was okay and my car was on its way. They then said the process was stopped because of FBI road safety. To continue I needed to make a {$2000.00} payment. Why all of a sudden these fees that werent mentioned in the beginning. For 4-5 days I explained to both companies that I couldnt pay this because of bank issues and wanted a refund. The car company is saying no refund until the car is delivered and there are mechanical issues. The XXXX company is saying after delivery all fees will be refunded. Thats cool, except there will be no delivery because Ive explained to both companies that I can not pay that. Neither of them are listening and keep saying figure it out and pay the delivery agency the {$2000.00}. I have tried to speak to my bank, but theyre saying to speak to the companies because there is nothing they can do. I have asked for addresses and postal codes from both companies and theyre now not answering emails and messages

Company response to consumer: Closed with explanation