vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The XXXX  customer care team does not accept returned items that are used or damaged, which was the conditions the three pairs of earrings that XXXX XXXX attempted to return. 
Given that XXXX XXXX received a refund for the Leather XXXX XXXX that was in a good, unused condition, despite XXXX  30-day return policy, and XXXX  returned her three pairs of earrings in the same condition as she sent them to XXXX, we view this matter as closed. 
AFTER DUE DILIGENCE I HAVE COME TO THE CONCLUSION IN WHICH THE MERCHANT IS ADMITTING THE RECEIPT BUT NOT BEING ACCOUNTED FOR THE MISSING EARRINGS AND CREDIT AT THIS POINT I NEVER RECEIVED A CREDIT FOR THE RETURNED THREE ( 3 ) PAIR OF EARRINGS WHICH WERE RECEIVED NOR THE EARRINGS BACK WITH THAT SAID I NEED THE EARRINGS BACK OR A CREDIT. AT THIS POINT THE EARRINGS ARE NO LONGER AVAILABLE AT LEAST FROM WEBSITE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.

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 2021-12-27 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: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.

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 2021-12-27 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: SC

Complaint narrative:
XX/XX/XXXX, Transunion. This complaint is a responce from a complaint I made XXXX.Consumer Financial Protection Bureau XXXX XXXX. 
The conplaint stated these words.XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. Portfolio Recovery is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681.XXXX  states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted. Transunion responded and asked for I.D, social sercurity number and utility bill. I have attached that to this conplaint as proof. DELETE THE INACCURATE ACCOUNTS LISTED ABOVE

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 2021-12-27 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: AZ

Complaint narrative:
I have contacted Equifax to alert them regarding these unauthorized inquiries, listed below. 
XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is reporting that I am XXXX past due even though the minimum was XXXX and I had paid XXXX towards the account. In XXXX I made a payment of XXXX, however this was apparently AFTER the cycle closed this making me late. No biggie I then redeemed XXXX worth of rewards. However the company is saying this does not count as a payment. I was never notified that I was late or past due nor do they provide an option for auto pay when you bank with them. I hold over XXXX with this bank. Making the payment was not an issue. The companies ability to communicate is not there and now as the consumer my credit report will be penalized. This is not fair. Had I of known or been alerted I would have corrected the mistake.

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 2021-12-27 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: AZ

Complaint narrative:
I have contacted Transunion to discuss these unauthorized hard inquires, listed below. 

XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX OF XXXX - Inquiry date : XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX - Inquiry date : XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX XXXX XXXX - Inquiry date : XX/XX/2021 XXXX - XXXX date : XX/XX/2021 2021

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 2021-12-27 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: OneMain Finance Corporation
State: MD

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NY

Complaint narrative:
I have unauthorized inquires that I did not consent. Improper use of my credit. Fraudulent accounts or charges appear 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 non-monetary relief
Consumer complaint received 2021-12-27 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: TX

Complaint narrative:
My latest Equifax report reflects serious reporting errors that are negatively effecting my credit standing. I made multiple attempts to have this information corrected by way of sending disputes to Equifax referencing these error. Equifax continually ignores, and refuses to correct these errors in spite of the factual based evidence of their FCRA non-compliance issues. My findings on my latest report that was sent to me by Equifax has once again certified falsified information that pertains to me in their credit reporting - The account in question is a XXXX XXXX installment account beginning : XXXX and ending : XXXX. This account was reported as paid in full in XXXX of 2021, yet on one latest report published by Equifax, they report a payment for XXXX of 2021, as well as a late payment in XXXX of 2021. On the report from XX/XX/2021, this same account that was paid and closed in XXXX of 2021, Equifax reports payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is false reporting as this account does not even exist. No matter how many times I point out these inaccuracies to Equifax, they refuse to correct or remove the account from my credit file which they are bound by the FCRA to do. The 5 plus times I send these disputes to Equifax, they don't even look at them, their automated process continually violates my consumer rights, as well as publish falsified information. It is time for Equifax to hold themselves accountable for their actions as these reporting inaccuracies cause massive harm to consumers and can be remedied through costly litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NY

Complaint narrative:
I disputed this allege account with XXXX XXXX XXXX who claims to be holder of allege debt. I requested documents from XXXX XXXX verifying this allege debt and that it is reporting accurately. XXXX XXXX XXXX never provided any proof that this is my debt or that they have authorization to even report this allege debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-12-27 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: NJ

Complaint narrative:
I first sent dispute to experian on XX/XX/XXXX in regards to PAID collection private student loans. ( While in school my dad who paid for my college became sick and could not work so we got behind on my tuition then caught up with everything so it is now PAID. ) I would like for those two negative but yet paid accounts to be removed from my reports as it is causing anguish and considerable amount of damages to my reputation. I am unable to get approved for other things such as jobs, and extending other credit. Upon me doing research to try and make my life better by getting these items removed I found this law 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By continuous reporting inaccurate information without my written consent first, experian you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. 
Pursuant to 15 U. S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs 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 and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My character is being annihilated yes the accounts were PAID but upon just looking at my reports all one would see is collection which is negative and seems as if I am not responsible when that is not the case at all. Please delete these accounts from my credit report as I NEVER gave WRITTEN consent to furnish in the first place.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX  year of credit history is no longer available on my credit report. This information includes : 1. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank continues to clear the larger debit prior to the little charges regardless of transaction time. This results in numerous overdraft charges instead of just the single one... They have told me that it is that way because the larger one may be more important. I don't see it that way and feel it is a very unfair practice. No real relief thru the Covid crisis which I also feel is terrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I filed a dispute in regards on incorrect information on my credit report, and it has been well over XXXX. I haven't received any investigation information regarding my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a XXXX balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 4th complaint Ive been dealing with this for the past year now

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 monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I initiated a rollover IRA to XXXX from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my XXXX rollover account on XX/XX/2021 I called XXXX XXXX weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling XXXX XXXX on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from XXXX as to why it was XXXX nor any apology from XXXX, XXXX XXXX of XXXX XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Blackrock Mitigation Group LLC
State: NY

Complaint narrative:
I initiated a rollover IRA to BlackRock from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my BlackRock rollover account on XX/XX/2021 I called Blackrock four weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling Black Rock on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from Blackrock as to why it was ignored nor any apology from BlackRocXXXX, XXXX XXXX of BlackRock XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.

Company response to consumer: Untimely response