vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2015 I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: IL

Complaint narrative:
I mailed a dispute letter, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not recall receiving dispute results or a confirmation letter saying my dispute letter was received and they are working on my dispute ; the security freeze has been placed.

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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase has an ad on their website that states " Set up a recurring buy of {$50.00} or more and youll earn {$10.00} after both your XXXX and XXXX recurring buys. '' A picture of the ad is attached. The? icon in the ad links to information on pending/received rewards ( picture attached ). There is no fine print in the ad, linked to from the ad, or the " Set up a recurring buy '' form. A picture of the latter is also attached. 

I set up a recurring daily buy of {$50.00} on XX/XX/XXXX. XXXX such buys completed. I did not receive the promising bonuses. 

I opened a ticket on XX/XX/XXXX. Their reply on XX/XX/XXXX listed terms that were never disclosed in the ad. The ad is still on their website and still does not list any additional terms. 

A XXXX search for the text of those terms shows that the only place they are listed is from other people complaining of the exact same problem. Those hidden terms do not exist anywhere on Coinbase 's website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
see attached documents. Late payment on my XXXX credit report. I sent a complaint to the CFPB and receive a reply from the company involved Shellpoint. This investigation they send was incomplete and superficial. I have attach their first response to my inquiry and my response to shell point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was all of XXXX year old. I applied for a vehicle loan in which I got approved for but never took pocession of the vehicle. After learning what the interest rate my parents qould not allow me to go through with the purchase. I have had numerous conversations with XXXX XXXX in regards to this matter however, to no avail. I am seeking dire help to have this matter removed from my credit as it has made it very difficult to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report, and I noticed some inaccurate information from XXXX XXXX XXXX about some late payments I have never had a late payment associated with that account I contacted the credit reporting agencies to correct the inaccuracies but they didn't.

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 2022-02-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent Equifax written instructions according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Equifax is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Equifax to carefully read my written instruction and grant me my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at 4 different adresses in 2 states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for XXXX credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and XXXX XXXX XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For 1 yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you 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 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
It started with them being UNABLE to take a payment ( unless I paid a " service charge '' ) I was unable to have ANY access to my account and NOBUDY was able to help.

I asked them to close the account and send me a paper statement because I had ZERO abilities to look at a statement digitally or in ANY matter. 
I'm a 100 % XXXX American Veteran and I still have an open account and they have REFUSED to send me a statement so as that I can pay the bill.

This frustration is affecting my health in a extremely negative way.

I believe they are taking negative actions against me for closing the account, the CS rep even threatened me with the fact that I can never open an account again.

I disputed the account with XXXX on XX/XX/2022

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 2022-02-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is still reporting things I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. 
Will you please remove from my Experian report. 
Address XXXX XXXX Address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I set up automatic payments for my XXXX XXXX Credit Card last year using my credit union account to make the payments. There were NO PROBLEMS until XX/XX/XXXX. I received a message from Comenity Bank indicating that there was a problem with my bank account. To be clear, my credit union account HAS NOT CHANGED nor did I change the payment method for my XXXX XXXX Credit Card. I made the mistake of thinking the issue would be easily resolved by talking to " customer care. '' I spent 15 minutes verifying my information repeatedly, including having to spell my last name 7 times for the " customer care representative. '' That was a lesson in futility, so I began contacting them through their secure messaging center. ( Please see attached correspondence. ) After getting NOWHERE, I went into my XXXXXXXX XXXX Credit Card account, removed the credit union account information and put it back in. The only difference? I added the number 4 at the end of my credit union account as it appears on my checks. I informed Comenity Bank that this may have fixed the problem ( which I did not create, by the way ) only to have been met by another lesson in futility by Comenity Bank 's " Award Winning Customer Care Team. '' So, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Comenity Bank sent the XXXX a canned response indicating that they would be launching an investigation and would send a letter to me within 30 days of receiving the complaint. The XXXX  closed the complaint on XX/XX/XXXX and I have yet to receive a letter from Comenity Bank. Unfortunately, I do hear from them in the way of harassing phone calls, text messages and Emails, including that they've frozen my XXXX XXXX Credit Card because I haven't paid my credit card bill, their interest charges and their late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX continued its mischievous billing practices on XX/XX/XXXX, {$1300.00}. Referencing attachment, on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX naughtily inflated its billings XXXX XXXX XXXX XXXX and XXXX XXXX respectively. Perpetuating its fraud, stating : WE HAVE FILED YOUR INSURANCE, YOU ARE NOW RESPONSIBLE FOR THE BALANCE OF THIS ACCOUNT and intended harm Quest has yet to bill XXXX  XXXX, {$1300.00}.

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 2022-02-05 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: FISERV FINXACT CORE
State: MN

Complaint narrative:
Tele Check File Report Tracking Number : XXXX, The following transaction information listed on my Tele Check Consumer Report is fraudulent and unauthorized : Explore XXXX, XX/XX/XXXX, Explore XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2022-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The next time I receive a letter like this ( see attachment ) I will be filing my complaint to the FTC. These letters are discriminatory and negligent at the least. The fact that transunion does not believe that I'm smart enough to write my own letters and pursue invalidated items on my consumer report is irresponsible. The FCRA and FDCPA law books are Free on the internet for all to study. Does transunion get prior authorization from me ( the consumer ) before furnishing outlandish items on my consumer report without proper evidence that affect me and my family? NO. The letter they sent was not only confusing but it's discouraging to people like me that are being taken advantage of by debt collectors. I pray the CFPB takes a hard look at this and fixes it or I will be forced to file suit against transunion for discriminatory tactics that are against consumer rights and their own policies and procedures. I also received a letter specifically speaking about permissible purpose. In response transunion says and I quote Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. According to the FCRA it prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. If I specifically tell you as a consumer that a item was unauthorized that I do not have a relationship with or gained any benefit from and their was no written consent then you are not working in FACT as a CRA, you are working on assumption until the items are validated. In todays time with data breaches and fraud happening everyday anyone can acquire or pursue credit in my name and put negative notations on my consumer report. I want my right to dispute respected. 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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On the date of XX/XX/XXXX I stated to Chime that I tried to contact XXXX XXXX due to the policy stating that they only do a transaction after the 30 days Instead of abiding by the policy on the XXXX XXXX website which was to charge the card after 30 days they actually took the money out the the same day and on XX/XX/XXXX. Chime stated they did not see where an error was occuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My unemployment card was being used by someone else for over a year and a half. Ive never received a card. I was trying to get into my account with XXXX  XXXX for over the last year and a half due to someone else stole my identity. I finally got into my account and was told to contact the card that the payments came through and I contacted them told them the situation and they disputed the cards that the person who stole from me had used. They denied my claim automatically without even doing an investigation that was promised when I first called. Im devastated as Ive been basically lied to and now I am out of XXXX! That Ive been waiting over a year for. I havent received not XXXX payment! The bank can see that the addresses that were on file are not mine and nothing is being done. They wont even disclose the addresses to me to give the police. I literally have been robbed and the bank does not care. US bank is not following their policy or anything. The charges arent even made where I reside.

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 2022-02-05 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: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
This error on my report has cause me to go into a XXXX. I have spoken with several representatives and a supervisor regarding this matter. I was ensured that my credit would not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In a recent copy of my credit report ( Confirmation # XXXX ), Equifax reported no payment activity during a XXXX year period ( XXXX XXXX XXXX ) on any of XXXX credit cards I have. 

In addition, a high credit balance that significantly exceeds the credit limit does not correspond with the period for which monthly balances are provided by XXXX, while XXXX XXXX  XXXX and XXXX XXXX report high credit balances exponentially greater than any balance reported in the XXXX period under review and for which monthly data is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Credit report was ran by company without my permission or having any noticed!!!

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 2022-02-05 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Credit report was ran by company without my permission or having any noticed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX from Diaz & Associates stating I owe a XXXX XXXX XXXX an amount of XXXX but were willing to settle the account for XXXX and that I should submit the payment no later than XX/XX/XXXX. Ive never heard of no XXXX XXXX XXXX and every time I try to contact that Diaz & Associates it tells me they are not available at the time. Im on top of my credit and I have not defaulted in any payments but today I checked my credit and this company had the audacity to file a collection on XX/XX/XXXX and I received this letter after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXXTo whom it may concern, XXXX XXXX ( with her long title that she gave me and clearly not the one in this email ) was of no help, smug and very condescending. She only reiterated that it was all my fault. I was the one who was required to give information. It was NOT Rocket Mortgage job to make sure they pulled the proper name. She also reiterated that no matter how low my credit score dropped it did not matter what the Rocket Mortgage employee told me. They were NOT required to verify any information. They had the right to put my signature on all their documents and was not required to go over them ( Pulled my credit with XXXX XXXX XXXX and then again on XX/XX/22 in the proper name, dropping my credit 10 points. Also, I made a big deal because my credit came back at XXXX. I let them know on several occasions that it was to close to going under 740. They stated it wouldnt be a problem and MAYBE AT THE MOST 1 point, needless to say the next day I got notification it went down 10. Also it show to pull on my report. GIVEN WRONG INFORMATION AGAIN. They failed to tell me about a portal, where all my documents would be, and nor were they required to go over them with me. 

As long as I gave my OK to pull my credit, they were NOT responsible for ANY documentation in their possession. 

Just horrific service and I am sure there are regulations that say differently.

Also I was not made aware of a portal until the 8th day of my loan ( unprofessional ) thats when I found out that my name was spelled wrong ( XXXX XXXX ) ( thus the second pull ) XXXX XXXX. I was told my credit would not dropit dropped 10 points. This is going to be on my credit report for 2 years. I was give wrong information BUT since I authorized the pull, I am at fault!!!! 

I want the extra pull from my credit report removed!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation