vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX, 2022 XXXX requested credit report Creditor info : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX XXXX requested credit report Creditor info : XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX XXXX. XX/XX/2022 XXXX  XXXX requested credit report Creditor info : XXXX  XXXX XXXX XXXX  XXXX XXXX, Va XXXX ( XXXX ) XXXX These are all unrecognized inquires and they are affecting my score

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 2022-11-22 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: MI

Complaint narrative:
There are multiple inquires on my credit report from companies that were not authorized by me i do not recognize these inquires and are affecting my credit negatively XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-22 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: NC

Complaint narrative:
XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in 10 days. 

thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX! 

XXXX XXXX XXXX has utilized validation documents that violate my XXXX rights. I have complained about this several times and you have done noting about it. I am enclosing the unlawufl document for you to see and thus is is what was provided to me for validation Thus breaking federal law. 

As you can see it contains my doctors names and the services provided but have been x-d out to prevent you from seeing this., both illegal. Only the entity name is allowed and certainly no services! 

This document is unlawful for XXXX XXXX XXXX to have in their possesin, and they see in violation of the law and you are too. 

Please remove these accounts : XXXX XXXX XXXX from collections on my account asap. 
or I will file suit in XXXX  days. 

thank you kindly, 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 explanation
Consumer complaint received 2022-11-22 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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-22 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: MOHELA
State: VT

Complaint narrative:
My complaint is with MOHELA and XXXX XXXX XXXX XXXX I have worked for the department XXXX XXXX XXXX and a qualifying employer for over a decade. I have been making large student loan payments during that entire time. Recently the department of education began harassing me via email saying I may qualify for XXXX under the new waiver requirements. To qualify I was forced to switch my service provider to MOHELA. I have been waiting for MONTHS to process my paperwork only to find out I do not qualify and Ive only made two qualifying payments which is impossible. Im now stuck with this awful scam organization as my loan provider. This is clearly a scam to funnel business to this company. I am a public servant and am absolutely disgusted and am leaving my position over all of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
1. XXXX account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX, Account # XXXX 6. XXXX XXXX, Account # XXXX 7. XXXX XXXX, Account XXXX 8. XXXX XXXX, Account # XXXX 9. XXXX XXXX, Account # XXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-22 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 604 A Section 2 : It 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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a XXXX XXXX in the United States, I traveled to open an account on XX/XX/XXXX with CITIBANK, they opened my financial product and gave me a provisional debit card to carry out my transactions, which would be active until XX/XX/XXXX. XXXX, when they opened my product, they informed me that the definitive card with which I could activate my online transactional portal would receive it no later than XX/XX/XXXX, However, this did not happen. I went back to the branch and the adviser who opened my product realized that she had mistyped the delivery details of my card, she made the correction and supposedly the card would arrive as soon as possible, I already I returned to my country of origin and as of today the card has not arrived at the address of my family member, I have called the bank several times, I have sent emails requesting the shipment and none of my requirements have been met, As of today I have no way of using my resources because I finished transferring them all from my account in my country of origin to the account I opened with CITIBANK, and now I have no way to dispose of my resources. All I am requesting is that you deliver my final card as per the service promise to the address I provided.

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Account opened XX/XX/XXXX. Beginning XX/XX/XXXX Fortiva began charging a monthly account maintenance fee of {$12.00}. Customer service couldn't explain how that fee is calculated, but stated it was for : online account access, credit limit increases, security measures and the ability to use the card internationally. 
I had to do an online search for the pricing disclosure, that is referenced 12 times in the credit card agreement, as being accompanying the agreement, but is/was not. 
The Pricing Disclosure ( not found on my login access page. Needed to perform an internet search to locate ) does state that a monthly maintenance fee is billed at a rate of {$60.00} to {$150.00} annually and billed monthly at a rate of {$5.00} to {$12.00}, but does not indicate how that fee is calculated. Placing a call to customer service did not resolve the issue of where/how it was disclosed in regard to the calculation of the monthly fee, in addition to the annual card fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was absolutely ripped off by Jetblue. Plain and simple. I was promised on a flight that if I signed up for the JetBlue Barclays Mastercard, I would get XXXX points, no annual fee. I was literally given a booklet and a pamphlet advertising it all. I went and I applied and not only did I get hit with an annual fee, but I never received the XXXX points as promised. Yeah when I called them they said because I applied on XX/XX/XXXX and the promotion didn't take place until XX/XX/XXXX so I was not eligible. I find these business practices to be misleading and disgusting. You cant hand out promotions and flyers on a flight, announcing for people to apply for something but not mention it doesn't take effect until XX/XX/XXXX. Unacceptable, misleading and wrong. They were handing out flyers on these flights and announced it on the PA system, I guarantee I was not the only one misled by their shady business practices. I also don't like how they advertise introductory 0 % APR for a year, but then in small letters later on after you apply it says 0 APR only for balance transfers. That's shady too but that's the least of the problems I have with this card.

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 2022-11-22 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: GA

Complaint narrative:
I was a victim of identity theft around XXXX of 2012. I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This company not only repeatedly called me from various numbers, they implied I needed " counseling services '' on my account statement.

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 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase Inc. to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase Inc. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase Inc. respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase Inc. to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Unknown and unverified debt reported as a collection on my XXXX credit report. I disputed debt XXXX with XXXX ( XX/XX/2022, XX/XX/2022 ). 
I have no knowledge of this debt, have never received written correspondence and was unaware it existed until noted on my credit report. 
I want this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 604 A Section 2 : It 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 non-monetary relief
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: OneMain Finance Corporation
State: IL

Complaint narrative:
Someone is using my identity. There are many accounts on my profile which do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/2022 we were advised that our two party collision repair check made out to XXXX XXXX and XXXX XXXX XXXX XXXX in the amount of {$1200.00} was cashed. The back of the check shows 'two signatures '. However, the signature for XXXX XXXX XXXX XXXX was not made by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX signature was forged. We filed an affidavit of forgery with Wells Fargo on XX/XX/2022 and mailed it to : Claims Assistance XXXX XXXX XXXX # XXXX Wells Fargo Bank XXXX XXXX XXXX in XXXX XXXX XXXX CA. The phone number on the form is XXXX. But when we call that number for an update, we get an automated message that states the number can not be reached. We have reached out to several Wells Fargo XXXX # 's and each one advises that they can not help. Now they are stating that we have to physically visit the branch that allowed the check to be deposited. Which is not possible since it was deposited via a mobile app. No one at Wells Fargo can give us the phone number to contact the Wells Fargo claims department. 
They are also advising that since they did not send us documents with a claim number they can not give us an update because we dont have a claim number ... that they never sent us.

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 2022-11-22 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: CT

Complaint narrative:
You pay down your bills and your credit score goes down. How can you win with these organizations.

Company response to consumer: Closed with explanation