vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies TransUnion, XXXX, and XXXX for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that TransUnion, XXXX, and XXXX conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.

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 2024-08-19 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: GA

Complaint narrative:
I have a collection from Credence Resources Managment Im not aware of I have called today on XXXX XXXX,2024 to see what its this coming from they asking for my date of birth my address my personal information it was very suspicious so I hung up it said I have a debt thats XXXX and its messing up my credits to go down because of this fraud debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: MD

Complaint narrative:
On XXXX XXXX, 2024, I filed a complaint with the Better Business Bureau for my Klarna account, because I made numerous attempts to resolve my past due balance for KLARNA order reference ( XXXX ), in the amount of {$530.00} for XXXX! XXXX! Original purchase amount was {$1.00}, XXXX made on XXXX XXXX, 2024, and I paid {$530.00} of the {$1.00}, XXXX. 

Dates payments were made are as follows : ( XX/XX/scrub> 2024 - {$260.00} ), ( XXXX XXXX, 2024 - {$130.00} ), and ( XXXX XXXX, 2024 - {$130.00} ). 

My hours at work were reduced, and therefore, caused a temporary setback with my scheduled payments. I notified KLARNA immediately after this occurred, and received very little to NO HELP! 
I was instructed to communicate through the online portal, which I did, and have receipts of. I asked for assistance multiple times, and stated the reasons why. I NEVER intended to NOT pay the remaining balance, I merely wanted a payment arrangement, extension, or plan, that would accommodate my financial situation!!! 

During this time period, a family medical emergency had also taken place, in which my XXXX was diagnosed with a XXXX XXXX, that was going to cost {$20000.00} + in order to receive treatment! 
Therefore, I was struggling with multiple financial hardships, which has left my accounts with a negative balance. 

I have been trying to work with all my creditors in keeping my accounts in good standing, and not have my credit reports affected!!! However, KLARNA, has NOT been in contact with me at all to date, nor have they tried to help me or assist me in paying off the {$530.00} balance on my account. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground 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 instruction Also the credit bureaus took more tan XXXX days to complete the investigation i send them a letter on XX/XX/year> and never got a response and have mailed them more then XXXX times

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 2024-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My HELOC was funded by XXXX who sold my HELOC to Shellpoint Mortgage XXXX in XX/XX/year>. I have access to their website and receive paper statements. My HELOC is approx. XXXX K in total with a monthly interest payment of around {$1000.00}. 

I have sent them XXXX payments since XX/XX/year>. I believe that they had an error on the second month statement and told me I owed around {$1700.00} in XXXX. I paid this, but realized this was excessive and called the first time. The agent agreed with me and supposedly credited my next monthly interest payment to {$300.00} plus dollars which was paid for XXXX to total the interests payment. 

Ever since, they have insisted that I am XXXX month delinquent harassing me weekly in spite of regular monthly payments and I have called more than a dozen times, waiting on hold, supposedly speaking to supervisors, transferred here and there and, yet, the website to this moment states that I am delinquent in my interest payments. At the same time, I have lodged formal complaints over the phone, sent a letter to the legal department and have yet to receive a response. 

The last communication I received from them was a letter stating that my " loan is delinquent '' asking me to XXXX to straighten this out. 

I have contacted XXXX XXXX and have a record of all my payments to Shellpoint and I have contacted my attorney. I am willing to pursue this matter against this unscrupulous, unethical and disorganized lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This debt hasn't been validated. I have asked for a debt validation letter several times never received anything from this company. I don't know who this company is this just appeared on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc
State: CO

Complaint narrative:
On XX/XX/year>, XXXX, XXXX approved a loan for my cruise. Then on the XX/XX/year> XXXX when I went to actual utilize the approval I was denied. I can not speak with anyone about the decline. Nothing has changed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
Please take a moment to go over the documents I have attached.

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 2024-08-19 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a moment to go over the documents I have attached.

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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX XXXX, XXXX the wire the international wire transfer was initiated from XXXX to Chase bank to XXXX XXXX for the amount of XXXX XXXX. XXXX digit of the Receivers account at chase was omitted. 
Multiple times in XXXX and XXXX the XXXX requested either a recall or correction of the account that were ignored by Chase. Since XXXX, I, the Receiver, requested a correction or recall to be executed, have provided all the supporting document. Chase is aware that the wire transfer is incorrect. Has reserved the amount on the wrong account so it can't be used but has not credited the correct account for more that XXXX  years. 
Stoped either reaching out to the 'wrong account ' owner or respond to me. 
Chase knows that I'm the write full owner of the int. wire transfer but refuses to credit me the money and has been depriving me of my funds. This is unethical, unfair and illegal practice by Chase. 

I have been reaching out to the Office of the Controller of the Currency ( case XXXX ), Chase replied to the complain with wrong fact that there was no recall requested, even when they have all the proves from the first year of the dispute. I was advised not to appeal to OCC but file a new complain with Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: DC

Complaint narrative:
Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under XXXX XXXX XXXX XXXX ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item, of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inquiries ) 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 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under XXXX XXXX XXXX XXXX ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item, of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiries ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, 2024, the suspects used my legal fake ID card went to XXXX XXXX TD bank branch made withdrawal and transferred, total {$59000.00} USD with XXXX transactions from my account. 

I filed the police report on XX/XX/XXXX XXXX with evident and filed the claims on the same day. 

After thousands visits to TD bank, I got back refunds $ XXXX, total {$40000.00} from TD bank. 

The balance {$19000.00}, TD bank didn't have update in XXXX days after this complaint happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Please note, all communication took place on the CarVana chat engine and I have preserved all chat conversations for verification of the below. 

A deal to purchase a car ( XXXX XXXX XXXX ) began on Saturday, XX/XX/XXXX. The deal fell through on Monday, XXXX due to a Carvana agent not providing accurate information of what was needed ( payoff letter contained a po box and Carvana needed an overnight address ). When I asked if everything was received it was at that time XXXX told me I needed to obtain a new payoff letter. I obtained within the hour however Carvana cancelled the deal and I had to redo everything, which also changed the car delivery date from Wednesday to Friday, which did not work for us b/c we had a daughter going off to XXXX  and needed the vehicle for her to take with her. 

Carvana charged my XXXX XXXX Checking Account {$690.00} on Saturday, XX/XX/XXXX. I canceled the deal on Monday XX/XX/XXXX and was told the {$690.00} shipping fee would be returned to my account. 

On XX/XX/XXXX I initiated another chat because the refund was not received. I was told by XXXX the refund was initiated and I should have in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX the refund has not been received. 

XX/XX/XXXX I initiated another chat and was told by XXXX he had to create a manual ticket for the treasury department to process and it should take another 10-15 business days. I inquired why the original refund didn't process and his explanation was " for some reason the refund was not processed ''. I told him I would be filing both a CFPB and a XXXX  complaint today. He ended the chat immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion account. 

Able to create an account ; however, shows as processing and never goes any further. 

Verified account created by be able to log into website. No email, or anything to verify account created. 

Have tried multiple times to freeze credit reporting on website but all it does is process. 

I don't know if credit reporting is froze or not. 

Have tried telephoning TransUnion and tried to contact online support ; however, I do not get a response from either. 

If my credit is frozen, how am I assured that when I need to unfreeze my credit reporting, I am going to be able to? 

Also, why are they requesting personal information, social security number, when I telephone TransUnion? It's a credit bureau reporting agency. They should know better. 

Gives me great assurance that a credit reporting bureau operates at top notch. 

This bureau should be shut down if they are not able to provide services.

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