vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company popped up on my XXXX XXXX saying that I had high chances of getting approved from a loan up to {$1500.00} with them. So I did the pre-approved application with them on XX/XX/2020. I submitted all of my documentation on the site and they allow me to link my bank accounts in which they did not accept but when I called them they refused to remove my XXXX  and XXXX  they said that they were prepaid accounts and that I can not use that for deposit. So I had to call XXXX  to get into my XXXX  account that I hadnt used in a while. I finally was able to access it after a week, throughout XX/XX/XXXX to XX/XX/XXXX this bank has called me continuously saying that I was pre-approved and that I had to send in the rest of my documents. On Sunday XX/XX/XXXX, I uploaded the first page of my statement ( as requested ) and was told I would get an answer back if approved or denied in 15-30 minutes. That time went by I called they told me the same thing, the time went by again, I called again they told me sorry for the miscommunication 30 minutes to 24 hours that I will received a TEXT MESSAGE or EMAIL stating if I was approved or denied. Monday came and left was calling and they would say the same thing 30minutes to 24 hours, Tuesday came they said the same thing, Wednesday through Sunday no communication from either one of us. Monday XX/XX/XXXX I call and spoke with someone they said my application was denied and that I will received a response by mail, then they told me my application was canceled. All communication was by phone, text, and email when they kept contacting me to send in documentation. Now? They refuse to give me an answer as to why I was denied, my credit is in good standing and all I needed to do was submit my banking information they ran my credit I received the inquiry but promised me a response with a certain time frame and didnt get back to me now are saying I have to reapply. I do not want my information in their system anymore they refuse to take it out of their system as soon as I sign in my name and personal information comes up telling me to reapply I do not want to reply I do not feel comfortable them having my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received two hard inquiries on my Experian credit report on XX/XX/2020, from XXXX and from XXXX  XXXX XXXX. I did not authorize either of these inquiries. I called XXXX and XXXX  XXXX XXXX and they said that I would have to dispute the claim with Experian. I called Experian and was unable to reach resources that would allow me to file a dispute, and their website says that hard inquiries are not disputable through them and to contact the entities that performed the inquiry. I've now gone in circles and can not get any assistance from any of the companies involved. Experian has also said they are unable to freeze my credit report, meaning this may continue to happen.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the Equifax data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am Authorized user only ... .. Remove from my report. 
XXXX XXXX SS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX -- -- -- - As above XXXX XXXX is authorized user only as XXXX. BOTH authorized users XXXX XXXX XX/XX/XXXX. 

Please remove XXXX XXXX XXXX XXXX Authorized user only!!!!

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 2020-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE OR BLOCK FROM MY CREDIT ASAP..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: Premium Credit Bureau
State: NJ

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XX/XX/2020 Made with : XXXX & XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: LEXISNEXIS
State: MN

Complaint narrative:
Ive requested that LexisNexis provide me with a copy of my full report and in response to The MN Department of Commerce File # XXXX Complaint and The CFPB Complaints ( all of which have not received satisfactory and or any copies of my report as requested ) # XXXX, XXXX, XXXX. 

Since initial request XX/XX/2020, LexisNexus mailed a response to obtain via on-line access, IF, I agree to their terms, in order for to be provided/obtain a copy of my LexisNexus Full Report. I have not and do not agree.

I request that the CFBP obtain and provide me with a copy of my full LexisNexus report, mailed or faxed without further delay, per the Fair Credit Reporting Act. 

LexisNexus is NOT a Consumer recognized ( one of the three Major Credit Reporting Agencies ), such as XXXX who if a consumer agrees can request immediate access and be provided with secure, full reports on line granting creditors immediate access with PIN number to review and dispute any items on a full report immediately as an OPTION to the FCRA, requirement of MAILING TO THE CONSUMER. The delays of LexisNexus are unacceptable and damaging, adversely affecting employment, benefits, insurance rates and insurability. 

In addition, please answer my question about why LexisNexus sends requests to medical providers for people whom they collect data?!?! This is a violation of HIPPA, HRRP, ACA ; LexisNexus and insurers are sidestepping and its a violation for LexisNexus to harvest private medical data or collect it for an insurance claim and then in turn sell private medical information to insurers not privy to the applicable insurance claim, with potential for more adverse affects such as insufficient medical care or life insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: IN

Complaint narrative:
Experian and XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but Experian and XXXX  keeps verifying this accounts. Also, when I called the company they responded that Experian or XXXX  did not send them all of the verifying evidence to confirm each account is unverified

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 2020-12-28 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: GA

Complaint narrative:
TRANSUNION continues to report a fraudulent account that was not opened with my authorization. I completed an identity theft report with XXXX County sheriff office. They claim the account has been verified and is unable to fire Ish documentation that this indeed was 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 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I used Cash App to purchase a number of stocks. On XX/XX/XXXX a number of fraudulent transactions occurred in my account resulting in more than {$8000.00} being stolen. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent letter to Experian trying to dispute inquiries and they said they did not do those anymore. Said I would have to get in touch with the people who put the inquiries there. I did not have contact with companies and that's there job. In addition, XXXX can not be contacted to dispute other inaccurate information. Experian is basically trying to position themselves as a friend to the subscribers and not an unbiased agency. I do not have this problem with the other two agencies.

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 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Credence keeps calling but does not verify the debt, just keeps calling even when asking for verification and they contact others about debt. They do not send verification or anything, and they keep calling from all sorts of numbers. I only know since the spam id verfies them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I HAD A LOAN WITH XXXX XXXX ON AN XXXX. I TRADED THE VEHICLE IN TO MERCEDES BENZ FINANCING AND PURCHASED A NEW CAR FROM THEM IN XX/XX/2020. A MONTH OR SO AFTER TRADING IN MY VEHICLE, I WAS MADE AWARE THAT MERCEDES FINANCING DID NOT COMPLETELY PAY OFF MY VEHICLE, AND THERE WAS APPROXIMATELY {$100.00} REMAINING TO BE PAID. I WOULD LATER FIND OUT AFTER SPEAKING WITH SEVERAL REPRESENTATIVES, THAT THIS WAS BECUASE THERE WAS A DELAY IN SENDING OUT THE CHECK TO THE PRIOR FINIANCING COMPANY. BECAUSE OF THIS ERROR THAT WAS NOT THE FAULT OF MINE, MY CREDIT WOULD ALSO SUFFER BECAUSE OF THE LATE PAYMENT THAT I WAS UNAWARE OF. I HAVE BEEN CALLING MERCEDES SINCE THEN TO RESOLVE THIS ISSUE AND THEY STILL HAVE NOT DONE SO-AND IT HAS BEEN OVER 4 MONTHS. IN AN EFFORT TO NOT HAVE MY CREDIT FURTHER IMPACTED, I COMPLETED THE PAYMENT IN THE AMOUNT OF {$110.00}, ALTHOUGH IT SHOULD HAVE BEEN PAID BY MERCEDES FINANCING. I WAS ALSO TOLD THAT THE VEHICLE HAS BEEN RESOLD TO ANOTHER CAR DEALERSHIP, BUT IM UNCERTAIN HOW AS MERCEDES DOES NOT OWN THE TITLE BECAUSE IT HAS NOT BEEN PAID IN FULL SO LEGALLY THEY CAN NOT RESELL IT AS THE TITLE IS NOT FREE AND CLEAR. I AM REQUESTING THAT MERCEDES REFUND MY PAYMENT AND RECTIFY THIS ISSUE WITH ALL THREE CREDIT BUREAUS IN THE FORM OF A DISPUTE ON THEIR BEHALF FOR DAMAGING MY CREDIT. I HAVE ATTAHCED A COPY OF THE PAYMNET CONFIRMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

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 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 A letter was sent to XXXX XXXX XXXX requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

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 2020-12-28 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: TX

Complaint narrative:
I requested a dispute with the 3 credit reporting companies, experian, XXXX, and XXXX  regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like 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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have reached out SYNCB/Gap by mail on XX/XX/XXXX requesting payment history from XXXX XXXX XX/XX/XXXX since some information to me seems to be incorrect. I have failed to get a response from them. I have given them ample amount of time to get this information over to 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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband was XXXX in the hospital, he went in XX/XX/2020 he died on XX/XX/2020, the reason I bring this up it is the about the time I decided to pay off my Capital One account. On or about the XX/XX/XXXX I talked with XXXX and XXXX with Capital One telling them that my account would be paid in full. I overpaid so they sent me a check for {$960.00}, Ck. # XXXX from Capital one dated XX/XX/2020. This account was closed XX/XX/XXXX, because my last payment before it was paid off was {$450.00} which brought my account to {$12000.00}. This was paid in full and closed. In fact I paid an OVERage on the account which is why they sent me a check in the amount of {$960.00} XXXX which I will scan for your review ). 

On another note XXXX 's Credit card was closed because the store closed which is associated with XXXX XXXX. It was closed on XX/XX/XXXX. I was a valued customer but due to circumstances beyond my control, the store had to close due to the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
STARTED SINCE XX/XX/2018 WHEN I FIRST CONTACTED BANK OF AMERICA TO VERIFY THE ACCOUNT THEY WERE REPORTING IN MY CREDIT REPORT. 
ITS BEEN OVER 2 YEARS, THEY STILL DID NOT FIX THE PROBLEM, NEITHER PROVIDE DOCUMENTATION TO SUPPORT THEIR DECISION. 

CREDIT BUREAUS XXXX, XXXX, XXXX  ARE INCLUDED AND ALSO HAS FAILED THE LAW TO VERIFY THE. INFORMATION BEING REPORTED IN MY CREDIT REPORT. 

I HAVE. BEEN IN CONTACT WITH CREDIT BUREAS ALSO AND HAVE ALL DATA AND DOCUMENTS SAVED FOR MY RECORDS. 

PLEASE HELP ME WITH THIS MATTER. 

RESOLUTIONS REQUEST IS : DELETE THE ACCOUNT. IMMEDIATELY FROM MY THREE CREDIT REPORTS.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: eCon Credit LP
State: PA

Complaint narrative:
I dont know where this account came from ... I can not contact the place of business either ... .Ive read multiple reviews about this company and they have turned out to be fraud ... I am looking for the best remedy for this problem ... thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief