vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/year> I swapped XXXX worth $ XXXXUSD for approximately XXXX XXXX  meme coins registered on the XXXX  network ( Coinbase Network ) as MEME with official website XXXX. Upon trying to sell the coin on the base network in the same day, Coinbase stated in-app upon sale that the " transaction is likely to fail '' and if I proceeded, that my network fee ( approximately {$30.00} USD ) would be lost. I searched XXXX to figure out how to resolve this issue. Upon searching, I found that this is a common scam technique called a honeypot. A honeypot is when the issuer of the coin project allows coins to be purchased, but not sold or swapped out because the issuer / creator of the coin programmed it as such. I was disturbed by this, so I dug deeper. I found several sites that scan coins for the signature of a honeypot, and unfortunately several of the sites I found did, in fact, flag this coin as a honeypot. Ref : XXXX XXXX XXXX XXXX XXXX XXXX ( screenshots attached ) Upon seeing this, I am shocked to learn that this is quite common. Most likely due to the relative ease of creating and publishing a coin on Coinbase XXXX  network, which I didn't realize was so easy and cheap to do, which most likely is contributing to the sheer volume of scams that are occurring. There ought to be a deeper dig into potential coins that are seeking to list on exchanges that are so easily accessible by the public through a company that claims to be trustworthy. 

Included in the upload portion are swap functions, clearly showing the ability to buy, but not sell, the coin. Impossible to know it is unsellable until it is too late. I shall do my own research from here forward. 

I am left wondering- how is it that it was so easy for me, a singular person, to find that it is a honeypot scam, attempt to reach out to coinbase, send a report to the CFPB, etc? But for coinbase, at the time of this writing, a $ XXXX publicly traded company to continue having WHO KNOWS how many of these coins listed on their exchange without doing enough due diligence to vet " assets '' on XXXX  network?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I was XXXX  and XXXX  into the XXXX XXXX XXXX XXXX Idaho XXXX  and I was transferred to the XXXX XXXX XXXX  XX/XX/XXXX until XX/XX/XXXX. So I was XXXX  from XX/XX/XXXX to XX/XX/XXXX all in total I had no access to my phone my debit cards any of my personal information and all of my money was spent. I filed a dispute it got denied and they told me the cause was the transactions look like they couldve been made by me from my history of my account Which doesnt make any sense because I provided legal documentation that I was XXXX  so I re-filed the dispute and it got denied again for the exact same reason it doesnt matter if the charges look like they couldve been a pattern of mine I didnt do it. I provided my legal documentation to show you guys. I didnt do that, and Chime keeps denying my dispute, hanging up on me and they will not talk to me. I want my money back immediately. This is theft service, and that is illegal in Washington state. In the space below, Ive attached documentation of Chime policies stating that we are not liable for unauthorized transactions which this was and theyre still not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX - XXXX - {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
its very upsetting and has left a disturbing and distained feeling after viewing my credit report and seeing several fraudulent items on my report as an act of identity theft. a XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, i did mot authorize these accounts, and they were updated to my credit report without my knowledge or permission. under 15 US code 6802, financial institutions are required to protect my personal and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within 4 days of you receiving this complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
Collections is not suppose to have a balance because the creditor sold the debt for is a violation SEC for securities fraud 42 USC 408 42 USC 405 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1692c ( c ) Account name XXXX XXXX XXXX Account number XXXX Account info Account name COLUMBIA DEBT RECOVERY Account number XXXX Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting 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:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate 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 2024-12-12 00:00:00
Product: Credit reporting 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:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I sent multiple requests to verify unknown inquiries on my credit report during the months of XX/XX/year> and XX/XX/year>. The credit bureaus did not investigate my request properly nor verified that these inquiries were authorized by myself. These inquiries are unauthorized. Im asking the credit bureaus to verify my authorization based on section 609 of the fair credit report act. Verify each and every inquiry or delete from 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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood restricted my account, and after multiple attempts to contact Robinhood ( below ), I could not get a resolution. 

Timeline of the incident : XX/XX/year> - notice account is suspended contact customer service, and upload ID for verification ( XXXX XXXX ), no reason was given by the account is suspected. 
XXXX - contact customer service again, and upload another ID for verification ( driver 's license ) XXXX - contact customer service again via phone, but couldn't get through XXXX - contact customer service again via email, and was told the case was under review XXXX - contact customer service again, could not get through XXXX - contact customer service again, still no resolution, been asked to upload ID again. 

I'm skeptical Robinhood will be able to lift the false negative diagnoses, without external interventions. Researching online led me to believe many other consumers are experiencing similar issues as me. Hope the bureau can investigate and protect our rights for our own funds and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I filed a complaint with this company for overcharges for fees/interest that were added in error. Additionally, I never received all items that were paid for and financed from the original company, XXXX XXXX, which were outlined in my original complaint. Additionally, I still have a range that was damaged during delivery, that I never signed for since it was not put together or installed and had extensive damage. This was supposed to be repaired by XXXX XXXX  and was never completed. I was comfortable accepting the company 's response : " In the interest of customer service, we credited the accrued promotional interest and the associated finance charges totaling {$1600.00}. Weve moved the remaining account balance to a new 18 Month Deferred Interest, Payment Required promotional plan. '' However, they have not honored this agreement and have continued to charge interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-12 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-12 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern, XX/XX/XXXX I found out XXXX had charged my credit card on XX/XX/XXXX upon reviewing my charge card statement. This was an auto-renewal that I did not approve. 

XX/XX/XXXX I called XXXX and was told to fill out a request for a refund online. I did and the request for the refund was denied. I called back and was told the services were paid through XX/XX/XXXX. No refund. 

I told XXXX that I was paying for an auto-renewal I had cancelled on XX/XX/XXXX. I had sold my business and NO LONGER NEEDED the website. 

XX/XX/XXXX I filed a dispute with Capital One credit card. 

XX/XX/XXXX Capital One credit card ( after I had sent all requested information ) denied the refund. It seems no matter what I sent in, Capital One did not want to assist me. 

I am planning on reporting/filing legal and governmental assistance on Capital One and XXXX 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
THis inquiry should not be on my credit report please remove it. Thank You! 

XXXX XXXX XXXX XXXX  - XX/XX/year>

Company response to consumer: Closed with explanation