vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit XXXX Account # XXXX ( XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-25 00:00:00
Product: Credit card or prepaid 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: MI

Complaint narrative:
I ordered a XXXX  coat online on XX/XX/XXXX paid for it with Klarna at checkout totaling XXXX XXXX reference # XXXX store order reference # XXXX. I made two payments the first one was XXXX on XX/XX/XXXX and the second and final payment was XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a email claiming my order from XXXX  was delivered. I got home Sunday morning which was XX/XX/XXXX and looked for my package nothing was on my porch or the mailbox or on the side of my house by the garage. I called XXXX on XX/XX/XXXX and reported that I dont have my package the lady on the phone put in a ticket to investigate my claim and said once it leave their warehouse they are not responsible. I also reported this to klarna XX/XX/XXXX. Klarna contacted XXXX about my claim that I didnt receive my package. Meanwhile I contacted the post office that supposedly delivered my package. The lady at the post office show me a map of where my package was delivered. I told her that was not my house. They delivered my package to someone else house. The post office told me they were going to go and get the package back from the house they delivered my package to. I went home and went back to the post office the next day. They claim no one answered the door. Then the lady tells me they are not responsible for misdelivered packages. So I guess Im supposed to just take a loss for something I paid for. XXXX finished their investigation claiming my package was delivered and told Klarna my package was delivered. After going back and forth with Klarna and XXXX on XX/XX/XXXX I had no choice but to dispute with my bank cause I never received my package and no one wants to take responsibility for my package being misdelivered. My bank did an investigation and refunded me my money. Now Klarna is trying to rebill me for something I never received and have added late charges. I have paid everything I owe klarna. I have told them I never received my order just because the post office marked my package as delivered doesnt mean it went to the correct house. I will not pay for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE 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 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 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 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 Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, 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 2023-04-26 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: Elevate Recoveries, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
This is a complaint is for Union Home Mortgage company failed to comply and give information on portal about my loan. Back XX/XX/XXXX. I filled out application for state assistance XXXX with XXXX. Which is the state of Michigan. My mortgage company failed to comply with the state. Which they also said they did not receive any emails at all until XX/XX/XXXX. Which XXXX sent an email XX/XX/XXXX which asked questions to my mortgage company in a portal. Which the portal is how they exchange information. The mortgage instead of giving information. Went ahead and ignored the emails and letters sent to them wanting information my mortgage. So since they did this which put XXXX months until someone finally sent over information. The grant was denied because my mortgage company failed and put me over the {$25000.00} cap that XXXX was granting me from the state. Not just that Union Home Mortgage denied my grant and would not take the offer and I even agreed to pay on the rest owed in additional payments to be caught. They wanted the loan to be paid in full. Which they knew I had covid multiple times. Also injured at work and was having hard time with workmans comp on getting surgery on my knee area. Not just being denied by them. They also sent my account to a different lender. Which they denied my grant as well. So now I am close to losing my home. Due to horrible service and terrible 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 2023-04-25 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: TX

Complaint narrative:
See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.

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 2023-04-25 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: OH

Complaint narrative:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

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 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I opened a secured loan with onemain financial and its been nothing but a nightmare interest rates is unbearable and its ruining my credit I called and asked for a reduction they placed a charge off against my credit and its cause my score to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
We met with XXXX and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. XXXX agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting XXXX and their debt XXXX ERC to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Credit Bureaus have violated my rights. Bankruptcy courts do not report nor release information about Bankruptcies to credit bureaus, third parties or consumer reporting agencies which means my rights have been violated under law. My bankruptcy has been dismissed and the credit bureaus continue to report it after requesting many times the removal of this bankruptcy from my credit reports. They have failed to comply with my requests and continue to report. This vicious illegal act is ruining my life, my health, my finances, job opportunities and my family 's well-being. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15. U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-04-25 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: RSVP Lending, LLC dba RSVP Loans
State: CA

Complaint narrative:
I called the company to update the account status and balance. They confirmed that all was settled and paid in full. However, my credit report is still showing the wrong account status and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Account was closed by consumer in XXXX, 2017. Medical hardship occoured, later filed bankrupty. Account reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.

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 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I received an email in regards to the payment on my auto loan with Upstart. I received the email at XXXX. According to Florida regulations it is against the law to contact an individual by phone or email prior to XXXX. There are fines associated with breaking this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union and XXXX refuse to delete the XXXX  XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; XXXX, XXXX and Trans Union. XXXX deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, Trans Union refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. XXXX failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate.

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the FICO score by both antiquated algorithms and unproving AI technology.

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 2023-04-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX and Equifax refuse to delete the XXXX  XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; XXXX, Equifax and XXXX XXXX. XXXX deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, XXXX XXXX refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. XXXX failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate.

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the FICO score by both antiquated algorithms and unproving AI technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I received two letters on XXXX, which were both sent on XXXX, one of which said they were temporarily blocking the account because of recent activity, and the other stated that they received my updated address. I phoned the company today, and let them know that wasn't my account, and I did not apply for it or use it, and that they should close it. I would not give them full social security information, nor my date of birth, since there were three different phone numbers on the letters, which I thought was odd. Please help me get this Milestone Mastercard account closed. The account ending was XXXX and it showed to have a balance of {$300.00} on it at the date of the letter. 

I sent a letter on XX/XX/23, along with the Dispute letter to the Company, FTC Identity Theft Report, proof of identity, and Notice XXXX XXXX XXXX XXXX, and got a letter on XX/XX/23 telling me to send information again, so I sent a follow-up on XX/XX/23 by fax with the Dispute follow up letter to the Company, FTC Identity XXXX Report, proof of identity, and Notice to XXXX XXXX XXXX XXXX 

I have frozen my accounts at the three major credit bureaus again, and have found that the company that has that credit card, Genesis FS Card Services, has put it on my XXXX credit report with a balance of {$0.00}, but I do not want it on any of my reports since it is not mine!

Company response to consumer: Closed with explanation