vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There was fraud on my checking account on XX/XX/2022. This is my second complaint because I still havent received the funds. 
The original complaint number is XXXX The bank manager called me and I was told weeks ago that I would be receiving the funds promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Self Financial Inc.
State: KY

Complaint narrative:
Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: WI

Complaint narrative:
The dealership told me that I would have XXXX inquiry and they ran my credit multiple times after telling me they wouldn'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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MP

Complaint narrative:
Towards the end of 2020, I notified Coinbase via email that my account had been compromised. I knew this because I tried to login and all of a sudden my password didn't work and I couldn't access my account anymore. I had my cryptocurrency in their " vault '' feature which meant the assets were supposed to be frozen for a period of several days from the time that a transfer request was made via my account. 

Coinbase eventually responded several days later and said that they were looking into my case further and had assigned an expert to investigate. By this point, I realized who had compromised my account, it was my former roommate and reported him to the police and FBI to no avail. Apparently the value of the account at the time it was compromised ( {$80000.00} to {$90000.00} ) was not enough to warrant an FBI IC3 team investigation. 

I then realized that my phone, email and other electronic devices were also compromised and had to get all new devices and phone numbers/emails. I have since tried to reach out to Coinbase via phone, email, regular mail, etc. and have never heard anything back from them. I even consulted with an attorney that specializes in arbitration and after reviewing their user agreement, he advised me to make a formal complaint directly to Coinbase which I did XXXX year ago and then again 6 months ago and never heard back even though in their own user agreement it stipulated that they would respond to formal complaints within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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:
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. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have sent several letters to have these collections removed LVNV Funding LLC {$1400.00} LVNV Funding LLC {$550.00} LVNV Funding LLC {$1700.00} LVNV Funding LLC {$3700.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a CareCredit account issued by Synchrony Bank that was included in my XXXX. XXXX bankruptcy discharge. After receiving my discharge, I had applied for PayPal Credit which is also issued by Synchrony and was approved for a {$2300.00} limit. I was approved on XX/XX/22 and made XXXX purchase under the 6 months no interest option. Today on XX/XX/22, I login to my account just to see it is now closed. I chat with an associate online and they advised me that it was closed due to my history with Synchrony. If they were going to hold my CareCredit discharge against me, then why was I approved for an account only for it to be closed not even XXXX months later? This bank is very shady and I do not recommend anyone use them. There are many reviews/complaints that Synchrony randomly lowers credit limits and randomly closes accounts. I can understand if I got declined for including XXXX of their cards in my bankruptcy... but to approve me then close my account later on for my history is a poor business practice. So much for rebuilding my 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 2022-12-12 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: WI

Complaint narrative:
The dealership told me that I would have 1 inquiry and they ran my credit multiple times after telling me they wouldn'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 2022-12-12 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: WI

Complaint narrative:
The dealership told me that I would have 1 inquiry and they ran my credit multiple times after telling me they wouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NY

Complaint narrative:
I sent a debt verification letter via certified mail to XXXX. The company received and signed for receipt on XX/XX/2022. The company has not only failed to send me a debt verification letter with the requested information but has since tried to call me once and has sent 3 letters to my home. It has been over 30 days and this point and this company continues to harass me about which a debt they can not provide verification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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  Retail : account # XXXXXXXX XXXX : account # XXXX CXXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/22 I received an alert from XXXX that a new Wayfair/Citybank credit card was opened in my name. I immediately called all 3 credit bureaus to report that I did not open a new account, I also put a freeze on my credit reports, called Wayfair/citybank and reported this account as fraudulent and asked that they close the account. They informed me that they would investigate the claim and let me know their findings. I received a letter today stating the following : The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information : The letter also states that I will be responsible for any charges relating to the account. I will be going to the local police station to file a 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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I used a XXXX party automated trading platform called XXXX and uses API keys to authorize trades through various crypto currency exchanges ( in this case Coinbase ). On XX/XX/XXXX I got an email from XXXX that my API access to Coinbase was XXXX. I attempted to login to Coinbase but my account was disabled. I went through the process in Coinbase to recover my account the same day. Coinbase stated they suspect my API keys were compromised, which I use on XXXX site. On XX/XX/XXXX, coinbase restored my account and I was able to login and identified fraudulent transactions on XX/XX/XXXX starting at XXXX XXXX and ending at XXXX XXXX With the API keys, the attacker was not able to withdrawal the funds directly, but they were able to sell my XXXX and XXXX holdings and then used a low liquidity coin, XXXX, where they can manipulate the price/market as there is low trading volume. They then created over XXXX transactions for buy/sell where my account was buying XXXX coins at {$0.00} and then selling them at {$0.00} ( amounts vary towards the end and price fluctuates ). My guess is the attacker was on the other side of the trade buying what my account was selling ( they buy low, and sell high where my account was buying high and selling low ) .I estimate they were making about {$1300.00} per trade, at approximately XXXX trades = $ XXXX plus over $ XXXX in trading fees through coinbase. The attacker 's IP showed up in the activity logs as 10.120.100.38, which is not a internet routable IP address. It's reserved ( RFC 1918 ) for private business and not supposed to be routable to the internet. However, the attacker would have to have had a coinbase verified account to be on the platform trading, given the time of day, and low volume on that particular XXXX coin, it shouldn't be difficult to pair the attacker to the trades. I have screenshots of my portfolio before the attack, as well as transaction logs for the trades themselves. 

XXXX is claiming their site was not breached ( https : XXXX ), and that it was phishing, but I know for a fact that I have not used or put those keys anywhere. That particular key is only used for XXXX, which I've had setup for about XXXX years. Their site is indeed compromised Coinbase has refused to refund the transaction fees, despite the transactions being fraudulent. XXXX doesn't hold me liable for fraudulent transactions, nor does my bank. But Coinbase is able to have XXXX liability?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act Convergent accounts number XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, # XXXX, for the balance of {$1100.00}, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have absolutely no knowledge of this 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-12 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: GA

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have had XXXX different accounts attempted to open under my name. I have been receiving urgent letters in the mail, and several different warnings regarding them. According to TransUnion, someone has attempted to view my credit via TransUnion XXXX on XX/XX/2022 from XXXX XXXX XXXX, CA. Another log in via TransUnion XXXX happened on XX/XX/2022 from XXXX XXXX XXXX, CA. A third account was attempted to be opened from XXXX XXXX XXXX in XX/XX/2022 from XXXX XXXX, WI. None of these were me, and the letters in which I had received in the mail were also from XXXX other separate banks. XXXX Bank, as well as XXXX XXXX. These have not showed up on my credit reports, but there were XXXX checks written from my name for the amounts of XXXX and XXXX dollars to accounts at each bank. I am just very overwhelmed and confused. I have requested a credit freeze and reported identity fraud, but am unsure of what else to do at this point to protect myself. I have no idea if there are more accounts that were opened that I dont know about yet, or what exactly to do.

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I was shopping at XXXX back in XXXX when a XXXX  XXXX  employee approached me and offered to check if I was qualified for some sort of discount on an internet plan. I gave her my information purely out of curiosity to see if I was qualified. She then offered to sell me an internet package, which I declined considering I already have internet through XXXX XXXX. I then left the store. I never set up an internet connection in my home through XXXX, and I did not take home any XXXX internet equipment from XXXX that day. Later on I received a bill in the mail from XXXX claiming I opened an account and owed them money for the first month of internet access and alleged equipment. I called several times asking for this problem to be resolved, and I was told that the account that got opened under my name by the XXXX  XXXX  at XXXX would be closed. I then received a notice in the mail from XXXX debt collections telling me I owe XXXX {$140.00}. I have sent XXXX in writing via email a dispute of the full debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Incorrect info is being reported by the company. There are different days being reported to each credit bureau for the date that the account was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: ARC Management Group, LLC
State: FL

Complaint narrative:
I did not sign a contract with this company and I have no signature or binding contract with this company ARC Management Group , LLC. Therefore I want them to delete account from my credit report! Asap! Or I will take legal action. They bought an account and are trying to charge me for something I do not owe there. Please provide information where I signed a binding contract with ARC Management Group , LLC and also show point of contact. Please delete from my credit report asap! Thank you As of XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. 
If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: CO

Complaint narrative:
I spoke to an Equifax representative today XXXX XX/XX/XXXX regarding fraudulent inquires that I did not authorize on my consumer report. Please remove the following inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX 2021

Company response to consumer: Closed with explanation