vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 we attempted to open a credit card account at Macys. We applied for a joint account under my name and my wifes name providing all required information to Macys. We were denied. After much trouble getting to the right person, we were told our application was denied because of lack of activity under my wifes name for credit reporting. Since we are retired and elderly, I do virtually all of the buying for our household and that explains the lack of activity under her name. However, we were still denied the account. We dont understand since we were applying for a joint account under both of our names and there is plenty of activity under my name. We have a credit reporting score of XXXX. We are filing this complaint, primarily to ensure no black marks show up on our 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted Equifax Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to Equifax, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : 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 2023-01-26 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:
This is my fourth dispute with Experian requesting removal of a credit inquiry made by XXXX XXXX XXXXXXXX on my credit report that was not authorized. I have reached out to Experian multiple times via certified mail, phone, and CFPB requesting removal and Experian has refused to remove the unauthorized credit inquiry. By law, they are required to verify that it was an authorized inquiry and they reply to my dispute that it was authorized when I know that its not true. I demand Experian to remove this credit inquiry immediately or I will file a law suit and will request monetary relief.

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 2023-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loan was transferred to XXXX. This company is showing my student loan as closed across some bureaus and opened across others. The total balance is not accurate across my credit profile either. I've been trying for months to get this corrected it has prevented me from purchasing a home and it also makes me disqualified for other credit ventures I apply for. It is against the law to report false information on peoples person credit. I am requesting that XXXX  fully delete this debt from my credit profile for falsing reporting items, inaccurate debt owed and XXXX asking that I be paid for all my pain and suffering for trying to continue to get this resolved. Im seeking monetary settlement in the amount of XXXX. All the times and hours Ive put into getting this corrected has fell on deaf ears. Im exhausted all sources at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent this company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the Atty General.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dear Equifax I have previously disputed this item with you US BANKRUPTCY COURT- Case or ID # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : US BANKRUPTCY COURT- Case or ID # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MS

Complaint narrative:
I am aware that my SSN belongs to the ( SSA XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. ( XXXX  ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX  for the account opened XX/XX/2021 with account number XXXX. Failure to remove account in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
your company violate15 USC 1681c-2 : Block of information resulting from identity theft

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 2023-01-26 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: CA

Complaint narrative:
late payment IN XX/XX/2022 that XXXX XXXX XXXX account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Experian Information Solutions Inc .

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CT

Complaint narrative:
In 2021 XXXX XXXX XXXX  was notified with a complaint against XXXX XXXX XXXX concerning these charges. 3 days after a customer service manager from XXXX XXXX XXXX contacted me to understand my complaint submitted to XXXX. I explained the reason of the determination of the contract service since I could not use the phone and neither the service and I was tired calling and calling for help. I returned the phone and I was told that my service is terminated and I would not have anymore charges or any contract with XXXX XXXX XXXX. and here we are after 2 years. Everything should be on file, including the dispute made throughout XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PR

Complaint narrative:
On XX/XX/2023, I accessed my account at Newrez over the internet. The Newrez page asked me to update my password, which I did. I then made an extra principal payment. I logged out and logged back in to look at my payment history. I then noticed that the name on my page had been changed from my name to a name I did not recognize : " XXXX XXXX. '' I logged out, restarted my computer, and tried to log in again, but the page said I had the wrong password. I tried to update the password, but was unable to do so. 

I then tried to call Newrez, but I got a recording saying the number could not be reached from my calling area ( I am in XXXX XXXX ). 

Finally, I asked my brother-in-law to call for me from California. He was able to do that and put me on a conference call with Newrez. I explained the situation to them and they promised to help within 48 hours, but they have not done so. 
Currently, I am locked out of my account, and Newrez will not help me. I have reached them twice by having other people patch me through, and they promise to send me links via email, but I have not received anything. This is a very serious situation for us because this is our mortgage holder and there is a different name appearing on our account, and we can not get Newrez to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
your company violate15 USC 1681c-2 : Block of information resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I was trying to get my money out of Coinbase Wallet. I transferred to XXXX XXXX as I was not having any luck getting it out of Coinbase. I received a phone call stating they were from the company and going to help me. He sent me a form, I mistakenly filled it out and they stole over XXXX. I filed a police report, Ive been in contact with a secret service agent, but no updates or contact. 

I work for a bank. If they got me, they getting dozens of people daily. Any help is appreciated The date was back in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: WI

Complaint narrative:
Equifax received inquiry from a Lender call XXXX regarding credit, I was notified by email from a service I use. I contacted Equifax to start a dispute. During the phone conversation, it was made clear that even if the inquiry was incorrect and the XXXX says it was correct that the inquiry would remain on the credit report until the customer can prove that the inquiry was incorrect. These investigation are fraudulent, " receiving a service under false pretenses ''. Credit reporting Agencies use Fraudulent Investigative tactics that automatically find in favor of any Creditor despite evidence to the contrary. When asked about this, the operators are being trained not to answer the question directly, but to divert it to with another topic to sound like they are on your side. This consumer is attempting to clean up their credit for a home purchase, and getting nothing but resistance from All Three XXXX XXXX XXXX with the same goal. " To favor the credit during an investigation ''. I have looked into this, and I am not the only XXXX to experience this type of XXXX. 

XXXX offers you a way to boost your credit in many ways as long as you pay for this service, I was under the impression that the Credit Score is earned, not paid for through XXXX 's membership You no longer have access to XXXX XXXX Because you ended your XXXX benefits, you no longer have the ability to boost your XXXX Score. As a result, weve stopped updating the bill payment info in your self-reported accounts. 

If you'd like to take advantage of this feature again, you can reactivate your account. 

Looking for assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: NY

Complaint narrative:
On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX ( XXXX & XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXX & XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX XXXX  by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX & XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or XXXX  XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and XXXX overdraft fees to collections.

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 2023-01-26 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: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. First Merchant Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with First Merchant, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer. 

I request that the 30-day late be removed from all 3 bureaus as a courtesy by First Merchant .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
My daughter purchased the prepaid gift card online in XX/XX/XXXX and gave it to me on XX/XX/XXXX. On XX/XX/XXXX, I accessed the card online to confirm the {$500.00} balance prior to its first use. The balance remaining was {$1.00} due to its fraudulent cashing at a XXXX in California. I notified XXXX and submitted dispute packet # XXXX on XX/XX/XXXX. I was told that I would have to wail up to XXXX weeks before I would receive a response. On XX/XX/XXXX, I received an email and its attached letter stating that I would be receiving a replacement card. After waiting over two weeks, I started making follow-up calls. On XX/XX/XXXX, I was told I would be the replacement card by XX/XX/XXXX. The card has never arrived at my mailing address ( residence ). 

I have since made 8 additional follow-up calls and always told that the replacement card will be arriving in anywhere from 1 to 10 weeks time. Every time I call I wait on hold from 20 to 40 minutes before I get to speak to a customer service representative. My last call was XX/XX/XXXX and I still have not received the replacement card. I believe this is either a scam or a totally incompetent company, the effect is the same they are stealing their customer 's money. 

ps : Just called them again, after waiting 40 minutes to talk to " XXXX '', after identifying myself the call was " dropped ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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 XXXX, Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A ( Section 2 ) : 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 2023-01-26 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: MA

Complaint narrative:
I was charged multiple times by XXXX XXXX for flights I did not take. The transactions took place on XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XX/XX/22 for {$160.00}, XX/XX/22 for {$24.00}, XXXX for {$160.00}, XX/XX/22 for {$160.00} totaling {$710.00}. I disputed every single one of these charges a total of three times between XXXX and now. I submitted over 10 pieces of documentation that these charges were not mine and I immediately tried to cancel them. I can even show proof of my location to show I was not traveling. Discover repeatedly sided with XXXX on these charges even after I sent proof and spoke to them multiple times over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

TRANSUNION INTERMEDIATE HOLDINGS , INC . 
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