vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
The complaint is about not being able to access my account on Equifax. In XXXX of XXXX, I discovered an identity theft that required me to access all of the credit agencies and make corrections. On year later, on or about XX/XX/XXXX, I discovered another problem that requires fraud alerts on the three credit agencies. There was no problem whatsoever with XXXX and XXXX. However, Equifax was and still is very problematic. When I login to my account, the message contact customer care always appears. After I contact customer care, they become frustrated because I am unable to access the account. I contacted Equifax on XXXX and alerted them the problem. This was between XXXX and XXXX of XXXX. After elevating the issue, I was informed about XX/XX/XXXX that I can not access my account and the reason is not specific. When I tried to get further information, my requests are ignored. I needed to set a fraud alert, review the data, and allow me to access the account to validate the data. Of course, I am not sure how useful or required this is since XXXX and XXXX are reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
this is for equifax. they will not remove anything from my credit report without a copy of my driver 's license and social security card. so i am going to upload them along with a copy of ftc id theft report and police report. so that they can remove the requested items from my credit report. otherwise they told me they cant remove them without the required documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: OH

Complaint narrative:
I have had an account with Klarna since early XXXX. Beginning XX/XX/XXXX Klarna began asking security questions that did not pertain to me, clearly pulling in data from another individual with the same name. When I contacted Klarna support and voiced my concern they advised there was nothing they could do. Ever since voicing my concern to their support staff I am now being denied use of the line of credit completely. Their application is going from we need to verify some additional security questions direct to denied without even attempting to ask security questions. It feels like this was a retaliatory move on Klarnas part for me expressing concern that the data they had for my account had somehow begun to mix with another individuals of the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

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 2022-03-27 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: MECHANICS BANK
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXX XXXX XXXX  last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: DISCOVER BANK
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) discover bank last four account number # XXXX 2 ) XXXX XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX  last four of account number # XXXX XXXX XXXX XXXXXXXX last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: OneMain Finance Corporation
State: GA

Complaint narrative:
The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
credit control trying to collect a debt from me I do not owe my, my medical records has been compromise and my Hippa rights has been violated I have reach out to the bureau XXXX XXXX an XXXX They are not cooperating

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX & XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

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 2022-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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 did not open these account, ive been a victim of identity theft

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 2022-03-27 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 did not open these account, ive been a victim of identity theft

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not open these account, ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NC

Complaint narrative:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: NJ

Complaint narrative:
Debt was paid directly to original creditor XXXX  XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). 

I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NC

Complaint narrative:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to 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 2022-03-27 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: NC

Complaint narrative:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to 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 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Springs Oaks Capital LLC has put a debt on my credit file that I do not owe and has fail to respond with law documents A letter has been wrote to the bureau about this matter. I'm making a complaint so I will have other proof of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
In a 120 payment option have sent in all information needed annually. I have made 54 payments since 2017 and that are only honoring 34. I have made payments all thru the pandemic even when not needed to. I just want to be able to have all my payments applied to my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Frontline Asset Strategies has been attempting to collect {$960.00} from me, issued by XXXX XXXX XXXX since XX/XX/XXXX. I have spoken to XXXX  numerous times, who have confirmed I have never owed them this money, as I currently have an account open and in good standing with them. They suggested I dispute the account, which I have multiple times. 

I have also called Frontline Asset Strategies, and was entirely dismissed, as they would not even speak about the debt and only wanted to collect, and I am still receiving numerous and non-stop calls from them daily attempting to collect debt that I do not owe. 

I have also disputed this debt 3 times through XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and it comes back as accurate. XXXX will also not help me and only suggests to continue disputing the debt. 

I feel powerless in this situation, as none of the companies involved are willing to communicate with each other to resolve this issue on my behalf. This is predatory behavior and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: PA

Complaint narrative:
I sent experian a ftc report in febuary about a fraudulent account.. they removed the account then put it back on my credit report.. The account was XXXX # XXXX This account is fraud ... pursuant to 15 usc 1681c-2 ( c ) ( 2 ) when the blocked information is rescinded the consumer should be notified promptly, in the same manner as consumers are notified of the reinsertion of information under 611 ( a ) ( 5 ) ( B ) which i was never notified..This is against my 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 explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to 15 USC 1681g, Transunion shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. However, upon attempting to retrieve my consumer report on XX/XX/2022, I could not retrieve my consumer report form the Transunion website. Then again on XX/XX/XXXX and XXXX of XXXX, I could not retrieve my consumer 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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX - why is There activity such as late payments being reported after this account was closed/charged off?

And In the comment section the account is missing notice of dispute. These are factual FCRA violations.

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 2022-03-27 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from XXXX and equifax via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. 
I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. 
However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: MI

Complaint narrative:
An unknown person stole my identity about a month ago. They even came to my house to steal SIM cards they ordered from XXXX XXXX XXXX in my name, so they know where I live and have interfered with my mail. They tried to open checking accounts with a number of institutions, many of which blocked them. 

Chime, which is owned by XXXX XXXX XXXX, allowed them to open an account and even sent a checking card to my house. When I tried to cancel the account, they told me that they couldn't find it even though I had the account number and card number. I'm afraid this person has somehow changed the name or social security on it and is using it right now.

Company response to consumer: Closed with explanation