vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, a collections company XXXX XXXX XXXX opened a report for {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
My current XXXX fixed rate mortgage with LoanDepot for my home at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX is 6.99 %. I reached out to LoanDepot and started a refinance process around XX/XX/year> for a XXXX fixed rate of 5.99 %. LoanDepot took forever with the refinance process ( my rate lock was going to expire on XX/XX/XXXX ) and put me and my wife XXXX through the wringer under the pretext of following " the process ''. They kept asking for several documents over a period of several WEEKS! Despite having reservations about the confidentiality of data and data privacy, I went ahead and shared ALL documents including complete paystubs of both myself and XXXX as well as complete bank statements and yet, the LoanDepot underwriting team kept dragging the process on and on till XX/XX/XXXX ( note XX/XX/XXXX was the last date for lock expiry ) each time asking for MORE AND MORE information. At first they claimed it was to validate the source of funds for our extra principal payments [ we are honest citizens who have been using our own savings to pay off extra principal on our mortgage ]. Still, after all those transactions were validated, as late as XX/XX/XXXX they started nitpicking on some OTHER unrelated transactions that they saw in our bank statements. Throughout the process, I did not receive any periodic updates on what was going on and I had to proactively send text messages to my loan officer XXXX XXXX asking about this. I am extremely ANGRY and upset at the shoddy and unprofessional execution of this process by LoanDepot. I kept imploring that I be allowed to have a conference call with the underwriting team to explain everything in one go, but they refused even there. Out of sheer frustration, I finally asked them to CANCEL the refinance request. However, I want to ensure that they are held accountable, and others do not suffer through what we have. Lastly, the mortgage rates have gone back up now and so we are stuck at 6.99 %. LoanDepot has left us high and dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete all these fraudulent accounts none of the listed is associated with 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 2024-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit karma said u was pre approved and or had excellent approval odds multiple times also that searching thru their qpp wouldn't add hit on my credit report which clearly is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
A request for a card, for which I have not taken any action to want to have that card and it seems to me that they have taken a request that I did not make.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a payment f {$1000.00} to my XXXX XXXX account. In XXXX, they were still reporting my previously held balance of {$2000.00} to the credit bureaus. I called them and asked them when they would report the correct balance and they said after the close date on XX/XX/XXXX. I filed a dispute with the credit bureaus and they corrected the balance. Then on XX/XX/XXXX, they changed the report and returned it to the XX/XX/XXXX balance of {$2000.00}. I have not used my card at all and my balance only decreased since my XX/XX/XXXX payment, it has not increased. I filed another dispute, uploading the payment history and true date balance and the the score was corrected within 5 days. Today, XX/XX/XXXX, XXXX XXXX XXXX has once again returned my balance report to {$2000.00} with the credit bureaus. That has not been my balance for 46 days and 2 billing cycles. As of today, my balance with XXXX is {$840.00}. 
Their fraudulent reporting has caused me irreparable harm as I am in the process of moving and due to the yo-yo in my credit score and repeated false balance reports, I am unable to obtain a mortgage and could be homeless by the end of the year. I have been a loyal customer and have never missed a single payment. It is unethical that they in poor practice to falsely report consumer debt and payment information.

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 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Coinbase Case Number : XXXX Account Holder with Coinbase since XX/XX/XXXX Latest customer support phone transaction ID : XXXX XXXX XXXX I am filing this complaint against Coinbase for improperly restricting access to my account funds, resulting in significant financial and personal inconvenience due to Coinbases prolonged delays, lack of communication, and inadequate customer support. I have been a Coinbase customer since XX/XX/XXXX, and until XX/XX/XXXX, I experienced no issues with compliance or account access. 

In XX/XX/XXXX, Coinbase allegedly sent an email regarding a compliance review, requesting my response to restore full access to my account. I did not receive or respond to this email, possibly due to thinking it was spam. When I attempted a transaction in XX/XX/XXXX, I discovered my account was restricted and flagged for manual review. Since then, I have encountered multiple issues as follows : XXXX. Repeated Customer Support Failures : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Coinbase support via phone, requesting assistance to resolve the restriction and receive the compliance email. Despite multiple assurances that I would receive the compliance email within the next week, I have not received the promised email, and my case has even been accidentally closed and reopened, showcasing their lack of care. Support representatives have been unable to provide a means to escalate my case effectively. I should note that a monthly fee of {$30.00} a month is required in order to have access to 24/7 phone support. It seems like they just want to verify my identity with that email, but every time I contact them by phone, they have me confirm my name and date of birth, which is already confirming who I am.

2. Conflicting or Misleading Account Information : My Coinbase app and website account display a message instructing me to Check your email for next steps, yet no option exists to resend the email. Additionally, an option to verify identity on the website redirects to an unrelated account settings page, creating further confusion and blocking any means of resolving the restriction.

3. Financial Impact Due to Prolonged Restriction : The account restriction has prevented me from making transactions during several market opportunities, limiting my ability to invest or withdraw funds as intended.

Coinbases failure to provide timely and effective support has severely impacted my right to access and manage my account funds. Despite multiple attempts to follow Coinbases instructions to wait for the email, I have been met with delays, miscommunication, and inadequate guidance. They have not provided a reason for any of the delays and they always say they are escalating the case, but nothing ever happens. I have been left in the dark by them and have thousands of dollars that are essentially wrongfully frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been involved in Several Data Breaches XXXX  XXXX, XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all XXXX credit bureaus. Please investigate.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been involved in Several Data Breaches XXXX  XXXX, Equifax and several other and have found a lot of inaccurate information far as old addresses and reporting on all XXXX credit bureaus. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/XXXX my cellphone was stolen out of my shopping cart at XXXX in XXXX XXXX, XXXX XXXX. I had no password or biometrics on my phone to use it. All of my apps were logged into for easy access and my debit card was saved in those apps. A few days later my debit card started having unauthorized transactions. I filed two disputes and quickly was denied. Come to find out they NEVER investigated my claims and NEVER even contacted the companies. My checking account is with Chime. Dates, apps used, and amounts of those fradulent transactions are below : XX/XX/XXXX {$28.00} XXXX XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$27.00}. XXXX XXXX XX/XX/XXXX {$67.00}. XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX {$52.00}. XXXX XX/XX/XXXX {$0.00}. XXXX XX/XX/XXXX {$26.00}. XXXX XX/XX/XXXX {$32.00}. XXXX XX/XX/XXXX {$27.00}. XXXX Timeline of events below : XX/XX/XXXX Cellphone stolen at XXXX XX/XX/XXXX Unauthorized transactions started XX/XX/XXXX Called Chime and opened two disputes. Each disputes had multiple fradulent transactions which are stated above. 
XX/XX/XXXX Chime denied and closed both disputes. 
XX/XX/XXXX I called each company involved in my disputed transactions and each company said they were never contacted by Chime and they never received any filing of chargebacks. 
XX/XX/XXXX Called Chime and filed a rebuttal to each denied dispute. I then filed an online police report. 
XX/XX/XXXX Filed a complaint with Consumer Finance online. 

Proof I have to substantiate my claims : Each transactions resulted in deliveries of orders sent to an address I've never lived at, been to, or had my billing address at. 

The two XXXX transactions even had a name on the deliveries that I'm not familiar with. 

I have screenshots of every order showing the same strange address. 

During this time I had to buy a new phone since mine was stolen. The XXXX XXXX XXXX transaction showing this is listed on my Chime checking account which proves I had to buy a new phone. 

I also received numerous fraud alert texts from Chime during this time. 

I also ordered a replacement debit card and reported it to Chime as stolen and was mailed a new card. 

Be aware if you use Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TRANUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear TRANSUNION, I am writing to formally dispute a fraudulent account reported by XXXX XXXX on my credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX ( XXXX ) Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from XXXX  XXXX, ACCOUNT # XXXX, BALANCE : {$820.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$2500.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$560.00} ; XXXX FUNDING, ACCOUNT # XXXX, BALANCE {$2200.00} ; XXXX XXXX, ACCOUNT # XXXX, BALANCE : {$1100.00} ; XXXX ACCOUNT # XXXX, BALANCE : {$6500.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$10000.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$5200.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7100.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$11000.00} ; XXXX XXXX XX/XX/XXXX ( INQUIRY ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX5 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase

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