vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted XXXX XXXX XXXX after I acquired a credit report for XXXX XXXX, I request all documentation pertaining to this account along with the contract signed by myself that initiated the dispute. Weeks later I received a response, but not documents pertaining to me. I requested no further contact and filed dispute with Experian consumer credit reporting company, I later checked and found a collection on my account which I disputed again but had no affect. The account was settled and closed and sold after the fact, I reported this to Experian and XXXX XXXX XXXX but received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report from XXXX that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have several unauthorized hard inquiries on my credit report from XXXX that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
I made a purchase from XXXX with my Klarna Credit Card. There was a problem with the order, and the order was revised and not charged to the Klarna credit card ending in XXXX. 

A similar order with XXXX was placed with some of the items being revised and that order was charged to a different Klarna credit card ending in XXXX. I contacted Klarna after realizing the credit for card ending in XXXX was never issued. I spoke with XXXX who stated they never charged the card, and provided me with a letter stating so. I then contacted Klarna on XXXX XXXX, XXXX stating the dispute and Klarna stated they would verify and get back with me with any adjustments. On XX/XX/XXXX, Klarna emailed me with no investigation efforts, results, and stated I would need to resume payment for the charges for the card ending in XXXX. I have offered to provide the letter, and was told by Klarna that wasn't necessary, they would verify. Still no resolve. I am asking for all payments to be credited directly to me and any processing fees, and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I was involved in a car accident in XX/XX/. The car was declared a total lost. The adjuster from XXXX XXXX XXXX XXXX XXXX handled the payment of the vehicle. There is currently a negative reporting on my credit report stating that there is a balance owed. There is no longer a balance on the car. I no longer have the vehicle and it has been paid off via the insurance adjuster. Please correct this on my credit report with all three bureaus. It is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DigniFi
State: CA

Complaint narrative:
I experienced a loss of income in a short time frame due to a COVID diagnosis ( XX/XX/XXXX ) and a work injury ( XX/XX/XXXX ), and my employer failed to pay me my earnings on time ; for weeks I was left without a paycheck ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I spoke with dignifi 's agents on the phone periodically to address the loss of income and sick leave but was not given any arrangement based on the cardholder agreement. I explained that I would be receiving back pay with penalties, but did not have a solid idea of when payment could occur on the line of credit ( among others ). The best that the agents could do beside communicating the agreement terms of the credit card was to document the loss of income and extenuating circumstances. 
On the part of the lender, the system took steps to restrict my ability to self service the account as I became late and missed payments. The ability to process payments with a *lower amount than the minimum payment* on the statement was suspended and prevented me from making any electronic payment by the due date between XXXX and XXXX without calling in and speaking with an agent during business hours AND before XXXX PM. Once I missed XXXX payments, access to the online payment portal was cut off to me as well. 
Given the lack of flexibility to circumstances outside of my control, as well as the XXXX payments I made within weeks of each other once I received the back pay as promised, I believe a review is warranted of this lender 's behavior or performance among consumers. Despite communicating with the lender why I could not make payment, the lender went ahead and marked my consumer report for missing those payments. I have proof of illness and back payment checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This email me on a settlement amount of {$180.00} I paid {$180.00} by XX/XX/XXXX they told me it will take 21 business days for my account to be closed with no balance leftover after 21 days passed in XX/XX/2023 i was told its still pending I reach out to this company again on XX/XX/XXXX they telling me to call in 24hrs so I called today XX/XX/XXXX and I'm still getting the run around account still reporting a balance still reporting I'm late how I'm late when I do my part They don't what's going on one agent told me he doesn't know how handle settlement cases he learned from my experience they are bad at communicating and updating information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX , to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
XXXX, Trans Union, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. Trans Union has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed Trans Union about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
Explained situation to lender. I have medical issues that caused me to become behind on my loan. Been trying to pay as much as I can but was told by lender to not even bother paying because they are repossessing it anyhow. I was in the hospital in XX/XX/XXXX  for a serious illness, my employer did not pay me in XX/XX/XXXX  and I have a chronic illness that makes it difficult to work at times. Santander is also Robo calling my phone several times a day. They have also not applied any of the payments that I have made towards the loan to begin with. They are a predatory lending company, I am paying close to 27 % interest on a car that is 10 plus years old. The dealership that also sold it to me knew that I needed a vehicle to get to work and doctor appointments and took full advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit reports and found that out of all the 3 credit bureaus Experian is the only one not reporting properly my payments on my XXXX  XXXX XXXX credit card endding # XXXX the report fails to reflect my on-time monthly payments since XX/XX/, which has negatively impacted my creditworthiness and potentially violates consumer protection laws! I am attaching the proof of each of the monthly statements. These statements explicitly indicate the payments were made for this specific credit card account. 
This inaccurate reporting has had a detrimental effect on my credit score, making it difficult for me to secure [ Specific financial products or services you are seeking ]. This not only causes inconvenience but also potentially violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681s-2 of the FCRA requires credit bureaus to ensure the accuracy and completeness of consumer credit reports. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA prohibits the furnishing of inaccurate credit information. Providing incorrect payment history to potential creditors constitutes a violation of this Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
I have no knowledge of these hard inquiries made. The Hard inquiries made a result of identity theft, and that they must be removed no later than four business days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: DallasAutos4Less
State: TX

Complaint narrative:
I have no knowledge of these hard inquiries made. The Hard inquiries made a result of identity theft, and that they must be removed no later than XXXX business days

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There's an inquiry on my XXXX credit report from cbna. I'm unaware of the giving cbna permission to pull my credit report. I have asked XXXX to provide me with the original documentation that was used to consent a credit pull. This inquire is stopping me from getting credit and loans for personal and business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We both did not go to any of the listed establishments, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Need these accounts looked at cfpb

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Unauthorized Hard inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Equifax Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In early 2022 ( 2 years ago ) I had a wallet stolen with cards and IDs. I called up a company in XXXX, XXXX, XXXX, and XXXX to not only cancel the card, but also close out of my account completely since the company has awful customer service and support. The company ( XXXX ) did not cancel the stolen card, nor close my account. There inaction led to stolen identity and fraudulent charges on my card. For many more months through XXXX, XXXX, XXXX, XXXX of 2022 I continued to contact the company, and eventually their legal director told me that all the charges were reversed, the card and account was closed with no balance due. However, this was also a lie as charges continued to be made on the card. They now refuse to answer any calls or emails with my continued request to remove the account from my credit report since it was due to fraud. The next step I have taken involves CFPB, FTC, Federal Reserve, and other state and federal banking and financial regulators. They have reviewed the evidence and came to the clear conclusion that this was identity theft. 
I have provided all of this to Experian over the last year or more, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of fraud and identity theft according to that federal regulation, and have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MI

Complaint narrative:
I have disputed an XXXX account/tradeline on dozens of occasions with Equifax ( see : XXXX ). IN particular I have disputed a date of first delinquency that reports two ( 2 ) years AFTER the date it should. While the subject of this dispute is no the unlawful charge-off of the account, it should be noted that the Date of Default alleged by XXXX was on or around XX/XX/XXXX and the account was alleged to have been charged-off on XXXX XX/XX/XXXX. Yet, Equifax continues to report the Date of First Delinquency ( DoFD ), aka the date of default, as XX/XX/XXXX. This is a non-causal date as the DoFD must precede the charge-off. Clearly, it does not. I have disputed an unrelated account with Equifax ( see : CFPB Complaint XXXX ). I have observed that in disputing the account the latest response from XXXX states " THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, [... ], DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, [... ], ACCOUNT HISTORY '' So it is not the case hat Equifax is incapable of transmitting disputes involving the DoFD, it's that they will not do it for the XXXX account. It's pretty clear Equifax is neither implementing reasonable meausres in response to disputes, nor is conducting reinvestigations that ensure maximum possible accuracy. The Date of First Delinquency reported for the account is PATENTLY INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL OF OUR MAJOR ACCOUNTS PAID OFF OR DOWN XXXX ARE STILL NOT REFLECTED ON REPORTS! OUR SCORE ACTIALLY WENT DOWN. O F course I expect nothing from you or them. In my opinion by nature of hundreds of experiences - A SHAM consumer protection

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