vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Several times over the past month my credit card from Citi has been charged by a single merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time the charge is for XXXX Each time this charge occurred I received a text asking me if I made this charge. Each time I replied no. Each time they require me to cancel my card and send me a new one. Each time this happens, it requires hours of work on my part to re-enter my credit card information into all the merchants that I'm using online. I have even gone so far as to create a number of virtual credit card accounts, so that I'm not putting my actual credit card number on line. One of these accounts was charged, not my actual credit card number. There were only three merchants attached to that virtual account number. I requested that I be able to turn off that one virtual number, rather than having to redo everything again. I have also asked Citi to block this one merchant, so I do not continue to have to do everything that I am having to do; however, this is to no avail. What I would like, is to completely cancel this particular credit card, have my yearly membership fee refunded (paid on XXXX and then reapply for a new card with the same company at which point, I would be glad to pay the fee again. I just don't want to pay it twice for something that seems to be simple to fix.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - Transunion : Last payment Date reported as 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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the XXXX major credit bureaus : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - Transunion : Last payment Date reported as XXXX XXXX XXXXXXXX : Last payment Date reported as XXXX  - Experian : Last payment Date reported as XX/XX/

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - XXXX : Last payment Date reported as XX/XX/2022- Equifax : Last payment Date reported as XX/XX/2022 - XXXX  : Last payment Date reported as XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
in accordance with credit reporting act XXXX account # XXXX # XXXX. 

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


15 U.S.C1681 section 604 A. section 2 : lt also states a consumer reporting agency can not furnish a 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 2023-10-22 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) purchased acclaimed Debt from Affirm. 
I ordered a mattress from Affirm ( XXXX ) XXXX on their trial period before covid pandemic in XXXX XX/XX/XXXX. I had attempted canceling my purchase before the trial Period ended. Affirm offered a trial extension and I was making payments. I then canceled my interest before ( extended ) trial period ended which included a full refund owed to me. Approximately {$250.00}. Affirm claimed they could not pick up the mattress because XXXXXXXX XXXX. I then stated I was not financially responsible for the mattress, and it could not be billed since this item was canceled. Once the pandemic was over Affirm did not pick up the mattress and therefore illegally sold this alleged debt to XXXX. I had made numerous phone calls and emails to both companies and have been the victim of pass the buck refusing to remove this incorrect delinquency from my credit bureaus. 

I contacted XXXX ( Affirm ) ( XXXX ) XXXX on XXXX XX/XX/XXXX and explain this entire matter. I do not owe XXXX ( {$1200.00} ) any money because I have no financial obligations to XXXX. My XXXX purchase was canceled ( XXXX ) my previous phone calls and emails to Affirm. I sent an email to customercare @ XXXX XX/XX/XXXX only to get automated response messages and pass the buck again to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was given {$600.00} in AMEX rewards gift cards by XXXX XXXX after giving up my seat on a recent flight. The XXXX ticket agent who walked me through the rewards process assured me that I'd be able to use the cards easily after I expressed reservations about prepaid cards. 

I have been trying since XX/XX/XXXX to use the cards and the only merchant who has accepted the card has beenXX/XX/XXXX. I do not need {$600.00} worth of body products, so these cards have been useless. 

I followed the rules of the card and, since I learned that you can't use multiple cards, haven't tried to make a purchase that exceeded the card amount. When I called the number on the back of the card, I was taken through loops in the AMEX phone system, calling all over the world and speaking with representatives who were unable to assist. The system hung up on me several times. 

I am very frustrated. I'd like a check refund for the remaining balance. I have to use the cards by XX/XX/XXXX and it looks like I will be unable to. Please make these cards fair for consumers. It shouldn't be this difficult. They aren't worth it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I contacted coinbase about fraud committed on my account in order for possible recoupment. 

Coinbase will have a history of my transactions and the wallet addresses. 

Coinbase opened a ticket ( ticket # XXXX ). The online agent gave me information from a script after giving me transaction numbers, but did not offer solutions for recoupment from a fraudulent claim. I also submitted a online complaint with Coinbase. 

All monies were sent from XXXX address : XXXX Sent To addrsses : XXXX. XXXX XXXX. XXXX There are different time frames where crypto fraud took place ( network XXXX. 
XXXX. XX/XX/2023. {$19000.00} XXXX. XX/XX/2023. {$13000.00} XXXX. XX/XX/2023. {$2100.00} XXXX. XX/XX/2023. {$17000.00} Below are the confirmation transactions : XXXX. 
XXXX. 
XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I have my loans set to auto-payment. Prior to loan repayment resuming, I checked to confirm that auto-payment was set and my bank information was accurate. On XX/XX/, I checked to ensure the auto-payment was set up and my information was accurate. I saw that my payment of {$420.00} was paid on its due date (XX/XX/XXXX ) but was immediately reversed, same date. My loans now say that they are past due, which will impact my credit score as I previously had a perfect record with paying bills. I put in a payment via quick pay on XX/XX/ to make a payment before the next due date so I am back on track and it would not accept the payment, despite accurate information. It repeatedly says " An error occurred. Try again. '' They just aren't letting me pay and it is ultimately impacting my credit and life. 

I tried to contact on XX/XX/ but was unable to get through via phone or a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Nelnet currently has my student loans since acquiring them from Great Lakes. I filled out an IDR application in XXXX XXXX. The payment amount has fluctuated multiple times & I can't get a consistent answer as to why. So I filled it out again. Furthermore, when trying to contact them by phone, the last time I waited over XXXX hours. The rep stated that they did get my application in XXXX, but they received the one I recently sent & they're reviewing that. No idea what happened to the first one, she just said it was received & theyre taking a longer time processing applications. Now my account says IDR proc admin, interest still accruing & no payment estimate. It should not be this hard, unorganized & such a hassle, simply for getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a XXXX either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/2023 My account has been locked and Apple or Goldman Sacs has not provided a reasons why. 
I requested the reason after contacting support. They requested that I change my password and I did so. After this they claimed someone will contact me within 2 hours to resolve and no one has contacted me. Meanwhile my account remains locked, and I have not been provided any information related to the details of why it is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/23 I request for my free credit report. Lexisnexis response was for me to go online to get it and i clearly stated in my letter i only communicate through the US Postal service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I paid off the balance in full based on the information I had about this student loan and one other student loan XXXX now has an overpayment ( credit ) of {$75.00} and the loan remains open student loan XXXX has been paid in full and closed as it should have been I have sent multiple messages to Edfinacial requesting the credit be paid to me and the loan shown as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: Zions Debt Holdings
State: NE

Complaint narrative:
XXXX TO XXXX YEARS AGO SOMEONE FALSEFIIED MY NAME AND INFORMATION TO RECIEVE SERVICES FROM A SECURITY COMPANY. WHEN I WAS FINALLY MADE AWARE OF THIS, I EXPRESSED TO THE COMPANY THAT IT WAS NOT ME AND IF THEY LOOKED AT THE SPELLING OF MY NAME, THEY WOULD SEE THAT THE SPELLING WAS INACURATE. I ASKED THEM TO SEND ME A COPY OF THE BILL, ON ARRIVING I SEEN THAT THE NAME WAS SPELLED ANOTHER WAY. FAST FORWARD A FEW YEARS LATER A THIRD PARTY DBT COLLECTION COMPANY HAS PURCHASED THE DEBT AND IS NOW WANTING PAYMENT. WHICH I EXPRESSED TO THEM ALSO THIS WASNT ME. THEY SAID THEY DIDNT CARE THAT THE NAMES DIDNT MATCH AS LONG AS THE DOB/SSN MATCHED. I REQUESTED A COPY OF THE ORIGINAL BILL FROM THE ORIGINAL CREDITOR VIVIT TO SHOW PROOF THAT THE NAMES DONT MATCH. TO WHICH I WAS TOLD IT DONT MATTER IF THE NAME AND SIGNITURE ARE MISPELLED WRONG.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: TX

Complaint narrative:
A company called DCM Services , LLC, called me on an unsolicited basis at XXXX CT on XX/XX/2023 and again at XXXX on XX/XX/2023 from the phone number ( XXXX ) XXXX. Then, the same company sent a letter in the mail via USPS ( included with this complaint ) making the same generic inquiry looking for the " person who is authorized to act on behalf of [ my recently-deceased spouse ] ''. However, no context was given, and no detail of any potential debt was provided. Based on these unwanted correspondences, it seems this company is fishing for estate information for some unstated reasons. The decased has no outstanding debts. We do not feel comfortable providing this company with any information, since the purpose of their outreach has been non-specific in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XX/XX/2023 To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

U S Dept of EdXXXX XXXX Reinvestigate the completeness of every piece of information, and if it is not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX  I wrote a dispute because the account for XXXX XXXX XXXX XXXX Account Number XXXX is reporting with a completely wrong payment history!! You had 30 days to respond to my dispute, and it has now been 52 days and I still have not received a response. Your false reporting 's are damaging my credit score and ability to obtain credit. I refuse to let you all report such false information on my credit file. Please remove the false payment history and complete a thorough investigation of this account! I was never late and the house has been sold for a profit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I do not recognize these credit inquires and I have ask for them to be removed. The credit buraus did not do as I a requested. I am providing a identify theft report. I am requesting that they be removed.

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