vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX  did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites XXXX XXXX  LExisNExis Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. XXXX/Lexis Nexis indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / LexisNExis had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites SageStream / XXXX Risk Solutions Consumer XXXX as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. SageStreamXXXX XXXX indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and SageStream / XXXX had XXXX security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/XXXX, I applied for a Best Buy Credit Card at a store in XXXX, CA. I was deferred but even after Best Buy called Citibank, they would not give further information. A few days in the mail I got a letter stating I was declined due to a security fraud alert on my account. Citibank never tried to call me or verify my identity. They attempted to do so while on the phone with me but could not because they were calling an old number I haven't had for over 2 years. They told me to get the fraud alert cleared and to try again in 30 days. This made 1 negative hit on my credit due to a credit inquiry that they didn't even use. The system they explained to me that they use apparently doesn't use the credit reporting agencies to validate my information, when the fraud alert specifically on my credit report said to contact what is my right number. So I took a negative hit on my credit because Citibank neglectfully refused to use the information that was directly provided on my XXXX credit report at the time. 

After XX/XX/XXXX, I applied again and was denied for already having an application in the system. I called Citibank and they said to wait a few more days. I applied again 2-3 days later and was told again that my old application was still in the system. I was told to apply again after XX/XX/XXXX because that is the date my old application expired. I applied again on XX/XX/XXXX and was deferred. I called to see if there was any issues with my application, information, etc. They declined to provide any information and told me to wait for their letter. 

Citibank willfully admitted that they did not use information that was directly included on my credit report, using some outside source that they refused to disclose. I have a strong belief that Citibank is declining my application because I had 4 applications in one month, which was because they lied to me about the timeframe I could apply multiple times. They have caused me to harm my credit part with this neglect.

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 2022-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I received my credit file and noticed credit acceptance had been reporting negative payments to all CREDIT REPORTING AGENCIES which makes them in violation of 15 USC 1605. I've sent them over a letter VIA certified mail on XXXX XXXX  tracking number being ( XXXX XXXX ) which had been picked up by their company on XXXX XXXX. Ive asked company to stop reporting and correct all inaccurate late payments and to update the balance to XXXX $ being that the account had already been paid. This account is preventing me from achieving future goals due to lenders looking at account as negativ

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 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc.
State: OH

Complaint narrative:
I have seen multiple accounts opened at SoFI and I dont have any accounts with them. They have not defaulted but my personal information is being leveraged fraudulently. I have frozen my account with all credit reporting agencies. I have called SoFI numerous times and their fraud department seems to not exist at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022 I sent certified letters via USPS to Chase Auto Finance CEO XXXX XXXX & there Correspondence department requesting validation of alleged debt pursuant to 15 U.S. Code 1692g ( a ) ( 1 ) and how the alleged debt was calculated.

In said letter I also requested verification of claim against me, ( a signed invoice ), a copy of the Contract binding both parties ( me & chase auto finance with wet signatures from both parties ), via certified mail, an Affidavit of Truth, and a {$8000.00} invoice stating 8 Federally Protected Consumer Rights Violations under 15 USC 1692 from a previous correspondence Chase has mailed me via USPS. I also informed Chase Auto that they were not the creditor in pursuant to 15 USC 1692g ( a ) ( 2 ) and that impersonating a creditor is a FEDERAL Crime. I requested that they remove said account from my consumer credit report if they could not provide with the above mentioned. 

As of Thursday, XX/XX/2022 Chase has yet to provide with my a remedy nor have they provided proper documentation for the validity of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-22 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: NY

Complaint narrative:
I saw some inquiries on my TransUnion and XXXX credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the TransUnion and XXXX in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my TransUnion report and 2 unauthorized inquiries on my XXXX report.. They said they can't help me with. It ' is having a bad effect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MA

Complaint narrative:
The following negative account listed on my credit report does not belong to me neither where the inquiries authorized by me.

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 2022-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
I called SiMM and associates after logging into their portal to pay a debt. The website offered 4 options. 3 payment plans and " decline offer '' When I called them to find out what the offers were, they said I should " just pay them '' that they do not know what the three offers were. Which leads me to believe I owe them nothing.

Here is a link to the actual photo of the " payment arrangements '' XXXX  : XXXX The representative I was speaking with said he had " NO IDEA '' what the offers were and that I should " just pay him '' I asked to speak to a supervisor, because I would like to see what I was accepting or declining. He went to get a supervisor and reported again -- we have no idea and to pay him. 

XXXX  : XXXX XXXX  : XXXX I told him I was recording him and he then hung up. This is the video/audio to the call XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 - - - - 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 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 non-monetary relief
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 A XXXX XXXXUntitled { Consumer disputes this account information Medical Subject has not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** -CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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 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 non-monetary relief
Consumer complaint received 2022-04-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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 2022-04-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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 2022-04-22 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian did not correct my child support balance. It was included in my bankruptcy and disputed the balance, however, Experian indicated that it was already disputed and need to submit new information. 

I attempted to upload the new information to support my dispute but their system did not allow me to. 

XXXX also intercepted my recovery rebate credit and applied the funds to my account

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 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: TX

Complaint narrative:
I am writing this to you as a complaint, I had made a recall request to the bank in order to recall transfers that I inadvertently made to a fraudulent merchant. 
The details of the transfers are as follows : Amount Currency Transaction Date Sending Bank Receiving Bank Beneficiary XXXX USD XXXX XXXX XXXX XXXX XXXX Cathay Bank XXXX And XXXX XXXX XXXX I was contacted by a company that identified itself to me as XXXX XXXX XXXX XXXX. I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
I didn't receive the service. The merchant XXXX XXXX XXXX XXXX claims to be a broker and provides a self-directed brokerage/investment account with the ability to trade financial instruments ( stocks, CFDs, Binary Options, commodities, etc. ) and with the ability to withdraw funds on request. This was the service I paid for. But this company doesn't have a license for brokerage / investment services and is unable to have ever provided any brokerage / investment account. because all companies ( the merchant and beneficiaries ) don't have a license for brokerage / investment services, they can't provide me with the service I paid for. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant, XXXX XXXX XXXX XXXX, and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 
It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 
That is why I asked my bank, XXXX XXXX XXXX XXXX, to start the wire recall procedure. My bank sent the wire recall request to the beneficiary bank Cathay Bank several times, but the beneficiary bank I believe that the beneficiary bank Cathay Bank is associated with this fraud and money laundering. 
Cathay Bank has responded in my last complaint that they had no records of any recall initiated from my XXXX XXXX XXXX XXXX. I have attached the responses from Cathay Bank received XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 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.

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