vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VT

Complaint narrative:
I just received a letter from Shellpoint Mortgage Servicing ( aka Newrez LLC dba Shellpoint Mortgage Servicing ) stating that I am " in default under the terms of the documents creating and securing your Loan... including the Note and Deed of Trust/Mortgage/Security Deed for failure to pay amounts due. '' They are asking for the money by XXXX, XXXX which is not even 30 days notice. 

In short, they are notifying me of intent of foreclosure proceedings. 

The problem is, I am NOT behind in my mortgage payments and have proof of such. What has been happening since beginning XXXX of XXXX is they have been accepting my payments, and then REVERSING them for reasons I do not understand.

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 2024-12-18 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: NV

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
My Gemini credit card was stolen on XXXXXXXX XXXX XXXX  and an unauthorized purchase in the amount of {$1800.00} was made with my card on that day. I was traveling internationally on that day, and the purchase was made while I was on my flight. When I landed, I received a notification from my phone regarding the purchase. At the destination airport, I immediately locked the credit card and emailed Gemini support. They helped me freeze the account for security purposes, and I went through a XXXX reset process to unfreeze the account. 

On XXXX XXXXXXXX XXXX I called Gemini support and spoke with XXXX, regarding on how to file a transaction dispute. He advised me to wait a few days until the transaction had posted, in order for me to create a dispute. He also advised me to submit a police report because it would help. Since I was no longer in the country, I asked my aunt, who was in XXXX at the time and with me the day the theft occurred, to file the report on my behalf since I was unable to do so myself. 

On XXXX XXXXXXXX XXXX, I filed the dispute using the Gemini web portal which shows all my transactions. I had not used this credit card in over 1 year, since it is my secondary credit card. 

On XXXX XXXXXXXX XXXX I called Gemini support and spoke with XXXX. I asked how to submit additional documents for the dispute, and she said the team would send me a internal link to do so. 

On XXXX XXXX, XXXX I received an email from Gemini denying my dispute, even though I submitted sufficient proof that I never made this purchase, as my card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I have an account in collections which shows the original creditor as the debt collection agency. I have never done business with the debt collection agency to result in such charges. When I disputed these charges as inaccurate, all the resolution said was " dispute resolved ''. I do not owe this money, I do not know where these charges occurred from. The account is for XXXX dollars.

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 2024-12-18 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
This is my fifth attempt addressing Exeter Finance LLC 's continued misrepresentation of the purpose of my dispute. My complaint is not about the validity of the debt itself, as I acknowledge that I had a financial obligation with them. Rather, my concern is that their original contract does not include an authorization clause or any explicit consent from me allowing them to report my account information. This omission constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated complaints, Exeter Finance continues to mischaracterize my dispute by focusing on the existence of the debt instead of addressing their lack of authorization to report it. I respectfully request your assistance in compelling them to cease reporting my account ( which was paid in full and closed ) information due to this contractual deficiency. 



Would you like me to add or adjust anything further?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
I'm a victim of identity theft There are a lot of accounts I disputed with all three Bureau even my address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
MOHELA refuses to place me into another XXXX program ; I have applied to be placed on an alternative XXXX plan since being placed on the involuntary XXXX  forbearance. This is negatively impacting my ability to resume my payments towards XXXX and MOHELA refuses to help me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: ALLSTATE LENDING GROUP, INC
State: OH

Complaint narrative:
15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 



15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability.

Please Delete false information from my consumer report immediately!

Company response to consumer: Untimely response
Consumer complaint received 2024-12-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Transaction Date, XX/XX/XXXX BestBuy Co., XXXX XXXX, IL Amount, {$3400.00} XX/XX/XXXX, we entered a contract with Best Buy to purchase and have installed a XXXX XXXX XXXX XXXX Dual Combo Oven identified as an OPEN ITEM in EXCELLENT condition. Order # XXXX. 

XX/XX/XXXX that item was installed. 
*****At the same time our fully functioning XXXX double-oven was removed by the Best Buy contractor. ***** XX/XX/XXXX we were informed by XXXX XXXX customer support that my new oven had been declared " dangerous '' and a field destroy in XXXX of XXXX in XXXX, Indiana, and as such is ineligible for support. Over XXXX XXXX miles away in a different state more than XXXX  months before we purchased this same unit. with NO disclosure on it's status other " New '', " Excellent Condition '', and an " Open Box ''. 

XX/XX/XXXX the Best Buy store manager offered the following resolution options : XXXX. Return the unit. 
XXXX. Return the unit and buy an alternate. 
XXXX. Keep the unit and assume the risk that it will fail. 
XXXX. That the additional extended warranty we purchased would not cover this oven. 
These options fail to satisfy the original contract and place all financial and risk burdens on me. When we asked to escalate our concerns, we were advised that that was not possible. 

Since then, we spent over XXXX documented hours on the phone with BestBuy. 

Having once reached XXXX XXXX ( XXXX ), who identified himself as a manager agreed that a service technician be dispatched. The tech identified a multitude of product failures and took no action. Subsequently, XXXX has failed to answer or return our calls. 

All interactions with Best Buy Customer Service have resulted in the same, unacceptable resolution option offered by the store manager. 

My complaint has been filed with Best Buy customer service. Case : XXXX. 
A dispute has been filed with My Best Buy XXXX. Case ID : 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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I requested why was the payment not received. Capital One is saying that they did not receive my payment. I have attached proof of payment submission prior to the deadline here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
I am writing to formally request a copy of the purchase agreement associated with the account Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account.

If you are unable to provide this documentation within 30 days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. 

Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On December 15-16, 2024, my Coinbase account was hacked into. I had opened up an email that day that was later identified as a fraudulent email & my Coinbase account got hacked for around {$5000.00} the following evening. Before it got hacked I went into my Coinbase account to change my password & click on fraudulent account/lock account prompt ( as I noticed it was a phishing scam ) and a prompt from Coinbase popped up after changing my password your funds are secure and I assumed they were based on reading the prompt. 

After contacting Coinbase customer support, they told me that this prompt pops up automatically. This is very misleading & lead me to believe that my funds were indeed secure when they clearly werent. If I had known my funds werent secure I would have taken extra measures by making sure my account was locked & notifying Coinbase support asap. The very next afternoon my funds were still in my Coinbase account but that evening they were stolen from my account. 

This is very misleading & I could have done something to stop this fraudulent activity but believed that Coinbase did secure my funds based on reading their prompt & I assumed I was in good hands with a reputable platform but clearly that wasnt the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2024-12-18 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I open up this account with sofi because I wanted to change it over from XXXX app account because XXXX  I was charged me too much and I said that I wanted {$600.00} transferred for my XXXX to my sofa well being on did not let that happen so I had to use the money through my XXXX to pay my bills well so fine had took a {$76.00} out but they did not get the {$600.00} and so I'm being owner investigation because there is not enough money in mind being XXXX account because XXXX did not let me transfer my money to my sofa account and so XXXX 's been holding on to my money for over a month now and they won't let me have it they won't let me have no access to my account all I could all I could do is log in but I can't do nothing else with the account I called them I get hung up on and being told that I'm going to investigation my counsel nerve investigation I told them let me help you figure this out together and they won't do nothing with me I told okay well that's going to happen I'm going to close my account out now I want my money out and I don't want no more dealings with y'all they won't let me take my money out they won't let me do nothing until the investigation 's over with and they're not explaining to me what they're doing investigation if they're even getting up and doing anything about this post being investigation right now and I called them XXXX times already and XXXX times got hung up on or threatened to be hung up on I asked to talk to somebody higher up they hang up on me and I sent him emails when they want me to do a surveying about how I feel about their how they took care of me on the phone and I tell him I want my money I want close my town I'm not happy with y'all they won't do nothing I'm not getting nothing back from them at all and I can't touch my money deposit money do anything with anything about that account I just want to close up and I want my money back and they're not doing nothing

Company response to consumer: Closed with explanation