vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NY

Complaint narrative:
on or around XXXX i saw alot of pre-approvals on credit karma at 1st I didn't pay it no attention but credit karma kept sending all sorts of different pre-approvals telling me that I was pre-approved for credit cards and personal loans and that I can refinance my car! everyday I would see these offers very time i logged to check my credit scores! so after a few months of being told that I was pre-approved, I thought I was now in the perfect pace to apply! i got so many offers through credit karma I started telling my whole about vacations and investments we were going to use these pre-approvals for. 
so I applied on or around some time in XXXX and I got denied for 2 credit cards and a personal loan. 
i was distraught, i was very very angry and I felt deceived. i was marketed to for months. 
Credit Karma told me that I was pre-approved. this was a lie! i was severely XXXX XXXX I was XXXX for weeks, I had XXXX so bad I became XXXX XXXX my XXXX went from XXXX now every I see pre approvals I immediately close my phone and shut my computer off. this has made me so XXXX, and XXXX that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On or around XXXX to XXXX I show a lot of Preapprovals I never paid any attention. but credit karma kept sending me all sorts of different preapprovals telling me that I was preapproved for credit cards and personal loans and refinance my car. every day I would see offers every time I logged in to check my credit score. few months of being told that I was preapproved I thought I was no in a place to apply I got so many offers from credit karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. so I finally apply. Some Time in XXXX and I was denied for two credit cards credit and a personal loan. I was destroy Im very and I was busy marketing to. Credit card told me I was approved this was a lie. I was so sick and destroy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. XXXX XXXX please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XXXX XXXX XXXX XXXX XXXX XXXX ( regular mail ). asking each of them please remove them. 30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've removed my freeze from my credit report for a week to apply for XXXX XXXX business credit card for my XXXX shop and I was sent alert notifications that some lender other than XXXX XXXX had ran my credit without me authorizing it. I tried to reach out to their consumer credit reporting and they kept sending me to different department which is frustrating. no one from their side even reach out to verify to ask if it was me that who requested the pull. I don't these old inquires coming back on report or if they're new because I recently just had these lenders removed but they came back. I would like these removed off my report because my credit is important to me at my age and I've really hard to build it. The companies I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI 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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX  XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX  and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: AL

Complaint narrative:
I have tried multiple times to dispute these bankruptcies on my credit file. This bankruptcy is reporting inaccurate and should be deleted. The third party XXXX XXXX has already deleted these bankruptcies. Im requesting for the credit bureaus to remove them from my credit file

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 2022-09-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/22 I call in a dispute to Experian about XXXX XXXX XXXX XXXX XXXX .I called and asked customer service I needed verification proof..the guy tells me theres no such thing and I have to talk to the collection agency bc the original creditor don't have anything to do with the debt..so I clearly asked him how did I get verified if they don't have anything to do with it.He then said the collection agency verified it.I asked, so you let the people that's tryin to get money from me verify my information? Again I asked him was there any kind of way to get the letter..he tells me no again.I then looked up the process why he was on the phone.I then proceeded to read him FCRA Section 611 ( a ) ( 6 ) ( 7 ) stating that i have that right.He then proceeds and hangs the phone up.Couldve been a disconnect so I calls back. Another guy gives me same story..so I starts off reading him the FCRA Section 611 ( a ) ( 6 ) ( 7 ) Phone hangs up again. They telling me theres no letter to write or request so I figured I'll dispute it here and that way they'll have no choice to respond with the truth..This is not my first time asking neither.Everytime they respond back they say something but never send me the verification process..they only say I been verified.I HAVE THE RIGHT TO KNOW HOW Not only that.they are violating My RIGHTS. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.So..CFPB could you please help me understand how they are getting away with this? They keep giving the same company draft excuse with no effort at investigating.

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, monthly payment is inaccurate, and the balance is inaccurate. This is grounds for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation as this dispute was sent on XX/XX/XXXX and received by the credit reporting agency on XX/XX/XXXX with no response. Tracking # 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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a letter from the Georgia XXXX XXXX XXXX regarding an unemployment claim. I never filed an unemployment claim, never lost my job and found out XXXX and Chime fraudulently opened an account with my name. I have never received an email or mail correspondence on this account opening. I have never even inquired with this bank about opening an account. An account was opened and GA Unemployment transferred funds that j am now being asked to pay as overpayment. I inquired with XXXX who referred me to chime. Sent them a police report of the ID Theft. Was told 2-3 days to investigate and report back. They have exceeded the time frame and now non responsive to my follow ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an Amex agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, Amex charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted Amex to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe Amex {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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, 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 15 U.S.C 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

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 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OH

Complaint narrative:
Were still in litigation in court with XXXX XXXX XXXX and they put a balance of {$980.00} on my credit through tek-collect collections agency. Since we havent had the final judgement from the court saying who has won the case, theyre not legally allowed to put a collection on our credit when we dont owe them any money since the judgement has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an XXXX agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, XXXX charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted XXXX to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
am always having issues in opening an account online, it's always saying i couldn't verifying my identity in all the banks i try to open online which is wrong because i am very sure of details that i put in any of the applications that was applying for to be 100 % correct and this has been happening for a while to me. i would always have go to any bank branch of any of banks i need open and its really stressful and frustrating for me

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 2022-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA and Account : BANK XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2022-09-08 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: CA

Complaint narrative:
I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA and Account XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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