vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 

The following Accounts Debtor : 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 non-monetary relief
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my 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 2022-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
When I asked about repayment options while I had XXXX XXXX coming in, including deferment and forbearance -- and I was told that I was ineligible for any other options and I needed to continue to make my monthly payments -- was I, in fact, able to just restate my XXXX income and have a XXXX XXXX monthly payment this entire time? If so, I want a refund for the payments made on my loan since XXXX, totaling {$980.00}. Money is extremely tight, I need to make ends meet, and I sure could have used the other options at the time. 

Attached are my payments history from Navient 's website, and the calculation for the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  Credit Acceptance Corporation XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 3 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I looked in my account and only had XXXX in my account. I had {$1000.00} in my account someone hacked my XXXX. I called chase as soon as I noticed and they helped me file a claim and told me it would take XXXX business days to get my money back. The XXXX day comes and I dont have anything. They told me after going under investigation they didnt see anyone logged into my account and that it was authorized. I was highly upset they denied it because I worked hard for that money and thats supposed to go to my car as a down payment. I went to chase bank yesterday to talk to them to get to the bottom of the situation and they called the supervisor of claims so I can talk to him. He went in my account and told me the same thing they told me but he gave me more information. I asked who is the person he said he didnt know because they bank with XXXX XXXX XXXX and he couldnt look into the account. He also mentioned they sent the money as XXXX mortgage loan payment so they wouldnt see the payment as a red flag. Mind you my mother doesnt have a mortgage period. Also XXXX sent me a text message at XXXX a.m asking if I added this person as a recipient and if not to call them. Which I did. He also noted his area code of his number wasnt anything like mine. I told him see u see all the red flags I see so why cant I get my money back? Also I read online that a lot of scammers are scamming through XXXX XXXX XXXX so theres another red flag. I went to XXXX XXXX to the XXXX XXXX to see if they can see if my phone been hacked they told me they couldnt help. The police station told me the same thing. Now I went online looking for other possibilities and seen this website. I just need help getting to the bottom of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
I currently have an investment account with Coinbase the leading cyrto exchange company out of XXXX XXXXXXXX XXXX. On XX/XX/2022 I received an email from Coinbase stating that I needed to update my identity profile by XX/XX/2022 or I was subject to being out of compliance with some federal regulations. I contacted Coinbase support group on XX/XX/2022 via a phone call to verify the email. I changed my password on XX/XX/2022 prior to this call. The agent from the support team was very difficult to understand so after 45 minutes or so of getting nowhere my account was locked until I could have my son help me with updating my identity profile. This was scheduled for XXXX XX/XX/2022 afternoon. 
On XX/XX/2022 I received another email from Coinbase stating the same information about being out of compliance and I had until XX/XX/2022 to fix the update. Since my account was to my understanding locked I waited until XXXX the XXXX to contact Coinbase 's support group to update the profile. We my son and I were able to successfully update the profile after about 60 minutes or so working with the Coinbase support group. I received an text from Coinbase late on XX/XX/2022 stating that the identity update was successful. I logged into my account that evening and found out my a large portion of my assets had been converted to a cash position and transfer to a bank account that I never heard of or authorized by me. I immediately contacted Coinbase 's support group who transferred me to their fraud group. I followed up on XX/XX/2022 with Coinbase 's support group and found out they were sorry but there is nothing they could do. The date of the theft was XX/XX/2022 the same day I received the first email stating I needed to update my identity profile. I never received any communications either by text, email or a phone call stating that an unknown device was entering my account or that my transfer bank name and location changed. As an custodian on a customer 's assets this is totally out of the norm in an age of hacking and cyber theft. I expect a total return of my assets from Coinbase based on the value the day of the theft or if appreciated the value the day of recovery. XXXX  that are using Coinbase need to be aware of how dangerously risky it is to leave their assets with a custodial company that does not secure their investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: GA

Complaint narrative:
XXXX XXXX CHANGED THE INFORMATION OF THIS ACCOUNT FOR {$8300.00} AFTER CORRECTING DATA THAT WAS INCORRECT AND VIOLATED MY RIGHTS ONLY TO POST THE INFORMATION THAT IS EVEN MORE INACCURATE. THEY ARE REPORTING THIS CHARGE OFF AS OPEN, ACCRUING INTEREST THUS OVER LIMIT, AND A INCORRECT BALANCE ONLY TO MAXIMIZE THE NEGATIVE IMPACT ON MY CREDIT REPORT. I AM A XXXX XXXX THAT WAS FORCED TO XXXX DUE TO MY XXXX XXXX XXXX XXXX WANTS TO PUNISH ME TO THE MAX OF THEIR ABILITIES. AFTER SUEING ME THEY HAD TO VOLUNTARILY WITHDRAW BECAUSE I HAVE NO TAXABLE INCOME. THIS IS HOW THEY WANT TO GET ME BACK. BY VIOLATING THE FCRA.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking and savings account with Capital one 360, with XXXX dollars in XXXX XXXX XXXX 
when the money came available, I transferred money to savings, the next day my account was restricted and I needed to contact them. 
I called them as asked, ended up gong to the store font they have and upon giving my drivers license told it was fraudulent activity and they where closing my account. 
I provided my driver 's license and proof that the phone numbers I gave belong to the company that I am an XXXX for. 
it is not XX/XX/XXXX, almost three months and no release of account or closing of account. just stating to contact the phone number which I did previous to going to store font and after. 

I would like my account reinstated due to its their computers and not a person making decisions. my phone numbers do belong to me but they are in an XXXX XXXX XXXX along with I am an XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: RI

Complaint narrative:
I HAD AN UNAUTHORIZED ACCOUNT ON MY XXXX AND EQUAFAX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX XXXX REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY XXXX REPORT AND EQUAFAX REMOVE AND BLOCK XXXX XXXXXXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH XXXX AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I sent my money ( {$2300.00} ) from my Venmo account to my friends Venmo after being told it was okay to do so. After I sent money to my friend account the following day the funds were returned to my account. Then my account became frozen with funds stuck into my account and I was told I cant get money out my account for 180 days because the Venmo account specialist said that was a violation of user agreement. I constantly contacted Venmo letting them know I need money to pay my bills and that I believe my account was frozen incorrectly because I was told that it was okay for me to send money to my friend. Company is vague with responses and told me that my account is closed and Ill have to wait until XXXX to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
15 usc 1666d treatment of credit balance consumer refund demanded. XXXX. Loan from attorney general XXXX XXXX n crew. 18.usc 8 delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account # # # # # # XXXX has violated my rights. 15 US 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 absolutely 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 explanation
Consumer complaint received 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached. 

They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation