vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Someone cloned and hacked my cellphone, and on XX/XX/2021 they used my phone to initiate forgot password on my yahoo email, and then to enter into my email. They then reset my Coinbase password using the " forgot password '' method with Coinbase. 

They converted all of my cryptocurrency to XXXX, then they initiated a {$1000.00} buy of XXXX. The {$1000.00} was transferred from my bank account to Coinbase, it was then used to buy XXXX, and then all the XXXX was sent to a Coinbase XXXX wallet. 
In total {$1600.00} was stolen from me, converted to XXXX and sent to someone else 's crypto wallet. 

I had reached out to Coinbase. Initially they locked down my account and then stopped responding to me. I have, since then, managed to unlock my account and retrieve the transaction reference codes for the transactions and the transfers the hacker intiated through my account. 

I had also opened a case with Coinbase, and they did not communicate any resolutions to me, they provided no resolution with regards to this hacking, and closed the case. 

I have reached out to them multiple times and they have been uncommunicative and uncooperative. 

I have attached, to this complaint, screenshots of the unauthorized transactions, image of a letter from my cellphone provider company showing that my phone was hacked, and my email chain with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: IL

Complaint narrative:
On XX/XX/2021 I certified mailed a notarized Identity Theft Affidavit to Experian. along with a copy of my drivers license, social security card, a current utility bill and requested that all the listed fraudulent accounts, names, addresses and inquiries be blocked from my credit report/ file. I called Experian on XX/XX/2021 and was told from a representative there XXXX XXXX that my documents didn't meet Experian 's criteria and that the accounts were being investigated because the address I'm asking to have blocked on my credit report is attached to quite a few accounts. I was literally in tears. This ordeal is devastating!

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 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )

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 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I recently refinanced my existing mortgage with XXXX which was transfered to nationstar/mrcopper for loan servicing/escrow. as part of closing i had to show proof of home owner insurance/purchase a new policy with my existging insurer XXXX. mrcooper has claimed they have no proof of insurance on file for me and to go to their website www.mycoverageinfo.com/mrcooper to upload it. when i attempted to put my info to look up this information throughout the last 2 months and most recently to XX/XX/2021 my account cound n't be located despite having a proper loan number and online account to pay my mortgage with them. I filed a complaint email to them cc'ing their CEO as well as attaching proof of insurance regarding the faiure of their website as well as keeping my proof of insurance through title company. My bf refered me to this company and they did the exact same thing. he also filed a complaint with the CFPB on his mortgage re : mr cooper/nationstar mortgage " loosing proof of insurance '' this seems to be a pattern of abuse of claiming to have lost this information on new accounts so they can double bill insurance premiums for people who do not pay attention. We advised them we noticed this pattern as this is two seperate accountss between us with the exact same pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 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 2021-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
The money source, as well as the original lender of this loan -- '' XXXX XXXX '' -- -. Since XXXX of the year 2020, has repeatedly made changes to my account without my consent. After 2 years of complaints to the each company, ALL my complaints were ignored. Now, my ability to obtain credit has been hindered/ restricted due to the fact that changes were made to my account -WITHOUT MY CONSENT. My mortgage account was put into forbearance without my permission. Now because of these companies actions, I am unable to obtain any new credit account. I have enclosed proof of my application for new credit which was denied based solely on the actions of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX, I switched from XXXX XXXX to XXXX XXXX XXXX XXXX. 

I have a letter from XXXX confirming that my account has been disconnected with the last day of service being XX/XX/XXXX. 

I received a new bill for payment on XX/XX/XXXX - XX/XX/XXXX for {$760.00}. 

In XXXX ( date unknown ), I spoke to a XXXX XXXX Customer Service Representative and requested to dispute the payment. The customer service agent hung up on me. 

Again, on XX/XX/XXXX, I called XXXX XXXX Customer Service to address and dispute this bill. I was told that they could not help me and transferred me to XXXX XXXX- the website they provided was XXXX. I waited on the call to talk to a representative, but no one answered. When I tried to call back, I could not speak to a person. I called XXXX XXXX back again and explained this situation and the rep I talked to ( XXXX XXXX said that she could not help. 

So I have been waiting for another official communication which I finally received this Friday by XXXX ( received Friday, XX/XX/XXXX ). This communication came from RPM ( Receivables Performance Management LLC ) - Reference Number XXXX. 

The letter says I have XXXX to notify the office to dispute the validity. HOWEVER, The letter is dated as XX/XX/XXXX. I will not be able to submit my dispute in time if they go by this date and not the date of receipt. 

In the meantime, I would like to protect myself and will fully dispute this bill in full ( now {$830.00} ). I also assume they have reported to the credit agencies. In the meantime, I will send a letter ( which will likely be received well after the XXXX from the XX/XX/XXXX date they indicated in the letter ), but will also send an email copying this note to you at the CFPB. 

I am attaching the documents I referenced above. Additionally, I am showing proof of payment from my credit card that shows that I paid my previous bills ( there are no outstanding bills since I had had auto-payment set up ). My last payment to XXXX XXXX was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
A few years ago, my ex opened a XXXX account in my name and didn't return the equipment. I didn't know this until I went to try to open a Spectrum account in XX/XX/XXXX. I informed them then that I had no idea what they were talking about. They didn't offer me an option to just pay for the missing equipment. I forgot all about it until flash forward to XX/XX/XXXX and I see that XXXX  has sent me to collections with the organization I'm reporting. Alas, this organization NEVER contacted me whatsoever about the debt and instead just put it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00}

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 explanation
Consumer complaint received 2021-12-13 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2021-12-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-12-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.

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