vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: AXOS FINANCIAL, INC.
State: OK

Complaint narrative:
There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 1. AXOS XXXX XXXX XXXX 2. AXOS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo will withhold charges until you are low on balance to intentionally cause overdrafts to charge fees

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 2023-09-09 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: The Savings Group, Inc.
State: OK

Complaint narrative:
There are different inquiries on my credit that are unfamiliar. I do not recognize the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed for XXXX  XXXX bankruptcy which was ultimately discharged in XXXX. At the time I had delinquent private Tuition Answer loans through Navient that I used for expenses during school. I was told they could not be discharged and ended up settling with them as a charge off for a percentage of the balance in XXXX. Now I am seeing the pending lawsuit claiming these loans should have been discharged and I have not received anything from Navient notifying me of my eligibility to possibly obtain a refund/damages. My spouse had the exact same situation with his private loans and he is eligible. I am not sure if I trust the company to offer this to me without being prompted. If I am not eligible I would like to know why since my situation seems to meet the necessary criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I received a {$10.00} prepaid XXXX from XXXX XXXX operated by XXXX. I had trouble using it. It expired in 2020. When I call or login they say the expiration is invalid so I can not view the history. 

I never agreed to any terms of service with this card and I have no record of using the {$10.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: MA

Complaint narrative:
A fraudulent application for credit was submitted in my name without my knowledge or approval to a lender on XX/XX/2023. I received a letter in the mail from the lender informing me of the fraudulent application on XX/XX/2023. I immediately called the lender to report the application as fraud and placed a security freeze on my credit file with all three major CRAs. I also submitted an identity theft report with the FTC on XX/XX/2023. 

A month after calling the lender, the hard inquiry had still not been removed from my Equifax credit report, so I filed a dispute with Equifax on XX/XX/2023 ( Confirmation # : XXXX ) to have the hard inquiry removed from my credit file. Less than 26 hours later, I received a notice from Equifax informing me that INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. On XX/XX/2023 I submitted a new dispute ( Confirmation # : XXXX ) and received the same response. 

Equifaxs own website states : When a lender requests to review your credit reports after you've applied for credit, it results in a hard inquiry. Im not disputing the fact that my credit file was accessed on XXXX by the lender. However, as stated above, the inquiry occurred without my knowledge or approval. I did not submit an application for credit with this lender, a thief who committed fraud submitted the application. 

Based on Equifaxs own language about hard inquiries, this information reported in my credit file is inaccurate. I did not submit the application for credit, and therefore a hard inquiry should not be reflected in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) 15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate.

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 2023-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with XXXX and Credit Karma. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.

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 2023-09-09 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: LEXISNEXIS
State: FL

Complaint narrative:
My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with XXXX and XXXX XXXX. In addition, her name and previous addresses come up using my social security number as well which prevents othe

r 3rd party companies from verifying my address, identity, income, etc. Most recently, o
n XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and LexisNexis that provided the insurance company with my sisters driving history instead of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc.
State: VA

Complaint narrative:
on my XXXX credit report XXXX XXXX XXXX XXXX total XXXX  card shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I applied for a credit card from XXXX in approximately late XXXX or early XX/XX/2023 to start rebuilding my credit. When I initially applied, I had a different phone number. However, I had to change my phone # prior to receiving the card. When the card finally arrived, I contacted the cc company and told them I needed to update my phone # so I could activate the card. Well, I was instructed to email them proof of my new phone number and it would take less than a week to complete. It's been well over a month since all this started and my number still has not been updated which means I still can't activate the card. I keep being told the same thing. I would prefer not to deal with XXXX, however, if I close my acct it will adversely impact my credit. 

I need them to complete the process. It's causing me undo stress. 

I appreciate your assistance.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Applied for Capital One Credit online and was approved on XX/XX/2023 for the Platinum card with a balance of {$500.00} at XXXX XXXX interest rate. In XX/XX/2023, I purchased a vehicle that was going to be financed through Capital One also. The first payment for that account was set to be XX/XX/2023. I contracted them on XX/XX/2023 to attempt to have the payment date moved b/c I couldn't log in to pay my car payment and credit card payment. They agreed to move date to end of the month and t he rest of the call was attempting to troubleshoot XXXX computers and XXXX cell phone for logging in. After all the time I have been on the phone with them, I am able to now log into an account, but no accounts are showing on the account. My husbands account is showing my new vehicle, but we are unable to make payments online or set that up. Every time I attempted to have them take a credit card payment, they told me that they are going through an update and that I would have to call back in about XXXX hours to have it processed. The final time was the most upsetting as I just paid my car payment and after being switched over to the Collections Department, they gave me yet again the same answer that they can not process a payment. They said once again that they were going through an update and that they apologized but I would have to try back again later. My car payment has been made I believe 3 times now and without any issues. I am unable to get them to process a credit card payment therefore the account is in bad standing and I have asked for tech support, a manager and more to get this resolved. But nothing. 

Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX sec XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX hr XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX min XXXX secs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 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: NJ

Complaint narrative:
Inquires that were not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: OH

Complaint narrative:
Just a heads up my account is XXXX and I am currently in the process of potential getting a lawyer. I have also complained to student loan omsbudman as well as the CFPB. I am currently awaiting for a call back and here is the issue This is with regard to student loans. After I graduated from XXXX University in XXXX I have paid the loan from XX/XX/XXXX as to which during my exit I applied for the extended fixed payment plan. Up until the covid pause XXXX. I applied for the student borrower defense act against XXXX XX/XX/XXXX. I went to XXXX XXXX XXXX XXXX university for the duration of my student loans. On XX/XX/XXXX I saw a bill for XXXX dollars and some odd change. I called ED financial and it took two hours to get ahold of them. The woman that I spoke with told me that I had not made any payments on my loan. She told me that the prior payments were inaccurate based on any of the plans and in order to reduce my payment I would have to switch the loan to a graduated plan. Which accrues XXXX extra in interest after 25 years. I then called my father because I am not paying over XXXX on my loans. My father agreed that he could help me pay it in full and I would pay him XXXX a month until it was paid off. The next day my account was not showing it stated that there was not information on the account. On XX/XX/XXXX I called again and was told my loans were in forebearnace due to the borrower defense act the only loan covered is the XXXX under that. I called again on the XXXX to say I wanted to pay off the loan by XXXX. I was told to call the borrower defense hotline to get it taken out of forebearance. I called the hotline they told me edfinancial would have to take it out of forebearance. I called the student aid hotline and submitted a complaint, and called again a couple of times every time getting told I would have to file a complaint or call edfinancial. I do not want anymore interest accruing and I do not want to deal with this student loan financial service any longer. People have blown up edfinancial on their XXXX reviews, XXXX, XXXX  etc. about XXXX XXXX XXXX XXXX XXXX not being able to get a hold of them. missing payments, double payments. etc. As a borrower I should be able to pay off my debt whenever I please regardless. I am awaiting another call from them today which takes 2-8 hours to once again see what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: TX

Complaint narrative:
Someone tried opening these account in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX in XXXX, FL charged my CareCredit card {$5000.00} for XXXX  services and XXXX  procedures not yet commenced. I disputed the charge and CareCredit reversed it. But on XX/XX/2023 CareCredit posted a {$5000.00} charge, described as " Merchandise Sale XXXX OH. '' I disputed the new charge, and I asked CareCredit to send me a photocopy of my alleged " signature authorization '' but they refused.

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 2023-09-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian continues to report on my credit report the XXXX XXXX accounts # XXXX and # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Experian to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, Experian continues to list these accounts 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 2023-09-09 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: NC

Complaint narrative:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Experian is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Experian is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate Experian regarding this matter. Next step is to sue!

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023, I requested a free credit report from my.equifax.com. However, when I attempted to view the report on their website, I received a message stating " We are temporarily unable to complete this request. Please try again later. '' I called the customer support line, and the agent told me she would escalate the issue to a technical team, and that I would receive an email from them within 7-10 business days. 

I never received any communication from Equifax, and the issue on the web portal remains unresolved, so I called the support line again on XX/XX/2023. I was told that they would escalate the issue again (? ) and that I did not receive an email because the team was unable to resolve the issue. I was told that there is nothing that can be done, and that I should wait for another 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received an offer in the mail along with a change of address I submitted with XXXX. It came from citizens bank asking me to open a checking and savings account with a promotion. I went to the website and put in all my private information as requested. I was surprised that I was denied with no proper explanation. i have never been rejected for a checking and savings account. I gave this company my private information in exchange for an account as they offered me just to receive nothing in return. As a consumer if i am offered something in exchange for my private information i expect to receive it. This seems like a tactic to collect people private information without giving anything in return. This is predatory because i know that there is no reeason for me to get refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have XXXX debit cards with Bank of America. Both were lost/stolen on XX/XX/23. I called Bank of America to cancel and replace both cards. As of XX/XX/23, neither card has been received. Furthermore, Bank of America did NOT cancel the debit cards, potentially opening my account to fraud. I called Bank of America on XX/XX/23 and asked for them to properly cancel the cards and send them via tracking number. BOA refuses unless I pay {$15.00} per card. I asked for this to be waived due to their mismanagement and was told no. Those fees need to be waived to the account considering their mismanagement of cancelling the 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 monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My account was paid in full and closed. XXXX shows accurate information. However, XXXX XXXX and Equifax showing as charged off as bad debt and never paid. XXXX XXXX XXXX XXXX XXXX  credit card.

Company response to consumer: Closed with explanation