vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
On XX/XX/2023, I made a purchase using a Klarna one time card. The transaction originally totaled {$240.00}. During the process of 24 hours, 1 return for {$3.00} was refunded and the total dropped down to {$190.00}. 7 items that were to be shipped were canceled. Those items totaled {$43.00} ( without applicable taxes added ). Once the items were canceled, a hold of over {$43.00} was released. 

Once those items were canceled, I received an email from Klarna stating that the XX/XX/XXXX purchase was paid in full and future payments are canceled. Then In XXXX, I received a notification about paying on this order. I spoken with agents over the phone and through email. Each representative is telling me that I owe money on a transaction that was already paid in full and if I feel as if I dont owe, to contact XXXX XXXX I did just that, with XXXX telling me that all refunds and releases of bank authorizations have been completed and to contact the card issuer, which was Klarna. 

I even requested for the Klarna reps to do the simple math to learn that an error was occurring. Still, Klarna representatives keep telling me that I am the problem and that I have to pay {$42.00} plus a {$7.00} late fee for nonpayment. At this point, I want to sue because this is a perfect example of a deceptive practice Klarna is purposely participating in. I dont know whats going on with companies nowadays, but taking advantage of your customers is low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AL

Complaint narrative:
To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. 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 filing a complaint 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. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove unauthorized/fraudulent credit inquiries from my TransUnion account. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjustment has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Diversified is a 3rd party debt collector attempting to collect an alleged debt. Diversified has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP
State: OR

Complaint narrative:
I did complain to US Bank via XXXX file # XXXX I did complain on why US Bank failed to disclose that they are charging to remove escrow and as of today all they have responded is copy of the recorded note with deed of trust. The person at US Bank didn't even want to mention his last name and contact number on cover letter. He only signed his name is XXXX XXXX- I have tried number of times contacting them and all they are telling me is that if I pay 0.025 % point on balance of my loan they will remove escrow. All I want to see is a signed disclosure by me agreeing to this.

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 2023-10-11 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please remove unauthorized/fraudulent inquiries from my Equifax credit report. 

XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account in question is listed under the account number XXXX. I am deeply concerned about the validity of this debt, as I have no knowledge or record of any such obligation. 

I have taken the following steps in an attempt to resolve this issue : Requested Verification : On XX/XX/2023, I sent a written request via certified mail, return receipt requested, to your company, requesting verification of the debt as allowed by the Fair Debt Collection Practices Act ( FDCPA ). Despite the required XXXX response window having passed, I have not received any documentation or evidence validating the existence and legitimacy of this debt. 

Investigated My Records : I have meticulously reviewed my financial records and can not find any reference to the alleged debt. This further strengthens my belief that the debt is either erroneous or does not pertain to me. 

Checked for Identity Theft : To ensure my financial security and identity have not been compromised, I have reviewed my credit reports from all major credit bureaus and found no other references to this debt with any other collection agency. 

In light of the above, I formally request that XXXX XXXX XXXX provide me with the following information : Valid and verifiable proof of the debt, including but not limited to any contracts, agreements, invoices, or statements that validate this obligation. 
Detailed documentation showing the original creditor 's name and contact information. 
The complete history of the debt, including dates of first delinquency and the date of the last activity on the account. 
Until such time as XXXX XXXX XXXX can provide me with the requested information and demonstrate the legitimacy of this debt, I kindly request that you cease any and all collection activities and refrain from reporting this disputed debt to the credit reporting agencies. Please be aware that I am aware of my rights under the FDCPA and the Fair Credit Reporting Act, and I am prepared to take any necessary legal action to protect my rights. 

I expect your prompt attention to this matter, as your failure to respond within the legally mandated time frame will be seen as an admission that the debt is not valid. Please send all correspondence related to this matter to the address provided at the top of this letter. 

I look forward to a swift resolution to this issue and to removing the disputed debt from my credit report.

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 2023-10-11 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: OK

Complaint narrative:
The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX - ACCOUNT NUMBER XXXX XXXX  - ACCOUNT # : XXXX XXXX  - ACCOUNT # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I had a GM Financial Loan since XXXX XXXX  XXXX. I paid off the loan in the beginning of XXXX. Their app was messed up and gave me an inaccruate payoff amount which included an OVERPAYMENT of approximately {$18000.00}. I paid the " PAYOFF AMOUNT '' Which was {$17.00}, XXXX, then the following morning it showed a new " PAYOFF AMOUNT '' of ~ {$200.00}, which I paid. The loan has been paid AND there is a credit balance with a refund due to me of approx {$18000.00}. 

GM Financial is refusing to release the title.

I have already traded the vehicle to a GM Dealer who is now unable to sell the car because GM Financial is refusing to issue me the title to the vehicle I have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: Dave Operating, LLC
State: MS

Complaint narrative:
There is some sort of DaveXXXX account showing on my credit. I do not know what this is. Further more I did not authorize Dave to place anything on my credit profile. I do have there app but I have never been informed that this company reports to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I am filing this report because, at last, Financial Recovery Services , Inc. and XXXX XXXX XXXX XXXX  responded to my requests when I informed them that I'd been an identity theft victim. They sent me the record of the application I requested, with an early bank statement of the fraudulent account opened years ago. I informed them that the account was subject to identity theft and fraud because I had never opened the account and used it. I have looked at the record of application because when a bank opens an account, an application is filed for it. The record of the application states information that is not mine, and the original card was sent elsewhere and not to where I resided. In addition, it has an email that I'm unaware of and never used before. The application is entirely frivolous because I never filed such a credit application. I have never used any XXXX XXXX XXXX XXXX or been a customer. This account resulted from identity theft, and the account is not mine. Collections being on a fraudulent account is illegal. XXXX XXXX XXXX must remove this frivolous account because it resulted from identity theft, and they are harming my financial credit report. However, XXXX XXXX XXXX claims that the account is mine despite the identity thieves ' fraudulent information. I am highly disappointed that they didn't even investigate this matter. They sent me a letter dated XXXX  that stated, " We are unable to approve your fraud claim because they concluded that the charges were made by you or someone who had authority to use the account. '' I never had access to this account, and I do not know who had access to it because it resulted from identity theft. I do not know if these banks understand what " identity theft '' means. Identity thieves used my social security number, date of birth, and name to open an account and benefit from them without my knowledge or consent. The information I examined in the application record was never part of my personal information. XXXX XXXX XXXX insists that this fraudulent account resulting from identity theft is mine. The account is not mine ; the account was never mine. I never opened this account, applied to this account, received a card for this account, and I never used this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the Date Opened and Credit Limit, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX Date opened is incorrect. 
Credit limit is inaccurate. 


I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the Date Opened and Credit Limit, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX Date opened is incorrect. 
Credit limit is inaccurate. 


I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Syncrony bank pays dental office clerks a commission to open accounts on the Syncrony Care Card. This is nothing but a high interest credit card that can be used for anything. On XXXX, XXXX week before my implant procedure, XXXX XXXX, the dental clerk for XXXX XX/XX/XXXX asked me if I wanted to see if I would be approved for this card, based on the estimated cost, {$8200.00}. I stupidly gave her my SSN. She said that I was approved, and never gave me any specs or info on the card. She said it had 7 % interest when it is really 26 %. I said that I would look into it. I had a secured loan option that was much better. 

On XX/XX/16, I had the procedure. When leaving I asked XXXX, what about the bill? She said not to worry I already paid. When I got home, I immediately checked my credit. An account was opened at synchrony bank for a " care card '' and there was a purchase for {$8200.00}, the estimated charge. It was obvious that XXXX opened it with my SSN and charged {$8200.00}. There was a receipt buried in my other paperwork. The rate was 26 % but 16 % for the first 3 years. I called synchrony bank 100 times and finally got a fraud dispute opened. 2 months later, I was denied due to the huge conflict of interest. 

I appealed. 2 months later I was denied. Sometime during these 4 months, synchrony reversed the dental charge of {$8200.00} and hit me with a charge for {$8200.00} as a general purchase from synchrony bank. This way, the interest would be 26 % from the start. XXXX. Just recently I got an email from synchrony saying that I was getting a new card with the 26 % and $ XXXX in debt. 

In the dispute XXXX made a forged copy of the receipt with my signature on it which they had on file. This all happened so XXXX could get her commission and the bank its interest. I just want the transaction reversed and the money sent back to synchrony. She can keep her money.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: VT

Complaint narrative:
I recently learned of ChexSystems when I was denied opening a new account with XXXX XXXX around XX/XX/. Based on the denial, I was able to see an online report and received a Consumer Score Disclosure Report, showing a score of XXXX out of XXXX. It is a one-pager, written in banking lingo that I had to use XX/XX/XXXXon my laptop to explain to me. I fought the emailed denial from XXXX and now have an account with them, using a screenshot of my XXXX XXXX XXXX score on my XXXX account. 

I had previously heard of Chex in a vague way, that is was about people who bounce checks, leading to the unbanked. I never gave them a second thought because that is not my behavior. 

My banking behavior has changed in the last year, and I never heard that chasing ever-higher savings rates would lower a score I never knew existed and would prevent me from opening bank accounts. 

Online banking itself has changed. I have a number of abandoned applications because 1 ) the financial institution was dishonest in how much work I would have to put in to open an account, including one requiring a notarized statement, which is impossible for me because I do not have a car right now. 2 ) Apparently my XXXX XXXX is too dated to use the required bank app to upload the front and back of my ID and selfie before timing out. 3 ) Lousy customer service, e.g., XXXX XXXX, which took days to answer my questions. I quickly separated myself form XXXX, XX/XX/XXXX, and several other over this issue. For all of these issues, it should be on the bank to play fair in explaining what documents are required and what the minimum tech requirements of the phone being used must have, and retract negative information on me when they poison my Chex score and it was their fault. After months of negative data collection by Chex in secret, I was robbed of being able to complain about the financial institutions in question and to submit consumer statements.

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