vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-10-11 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: MD

Complaint narrative:
I have been attempting to fix my problem with Transunion for over two years. I am a victim of the XXXX data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. I have filed an Identity theft report attached I have placed a claim for XXXX Data breach I have listed again, the account 's that do not belong to me. As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy

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 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited an amount of XXXX into my account which was put on hold on the XXXXI complained to this office about the hold ( ref ) XXXXThe hold was released on their unilateral date of XX/XX/2021, not before and to no response of my complaint to the bank and to the cfpb I issued payment for the goods supplied and the supplier deposited the cheque for the XXXX .The cheque was returned unpaid. 
The account had a balance of XXXX on friday XX/XX/2021. 
this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
The covid forbearance on my mortgage was scheduled to end XX/XX/XXXX. In XXXX, I told Flagstar Bank, my servicer, that I wanted the covid-19 payment deferral option to keep my mortgage payments, but was interested in what the numbers looked like for a loan modification. They told me they would send the file to underwriting and let me know in a few weeks. On XX/XX/XXXX, they came back to me with a loan modification option that would increase my principal balance by {$26000.00}, and told me that the covid 19 payment deferral option was no longer possible since my forbearance period was over. This additional debt puts an undue hardship on my finances as I attempt to put my life together after the pandemic.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My identity was stolen, my personal information is incorrect. I notified XXXX, XXXX, and Transunion more than 60 days ago. 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 explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
Please see my previous complaint XXXX. I have attached the letter I received from American Pacific Mortgage. As I stated before, they do not read what they send out. They state that my current home value is {$820000.00} ( low estimate because the home directly behind me just sold for {$900000.00} ). They say I need to pay {$60000.00} to get my LTV ratio to 80 %. Last I checked the principal I owe ( around {>= $1,000,000} ) divided by their new estimate {$820000.00} ( again low ) is 80 %. This company cant even do basic math. Please investigate them for failure to do their job, incompetence, stealing from clients, and conflict of interest. Thank you.

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 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XXXX I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction.

EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
According to UCC subsection 3-401 a person is not liable for an instrument unless the person signed the instrument or the person is represented by an agent or representative who signed the instrument. They never gave me the right to dispute the debt, I have already disputed this with the credit and the company I demand the items be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CO

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. The XXXX Credit Bureau is reporting inaccurate information on FRONTLINE ASSET STRATEGIES which opened XXXX XXXX, 2020. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.

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 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Segment 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for prosecution because of the pressure you have caused me. My data was additionally affected by the Equifax information break and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
upon checking my credit i see i have fraudulent accounts on report. i reach out to have problem fixed but didn't get any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My identity was stolen, my personal information is incorrect. I notified XXXX, equifax, and XXXX more than 60 days ago. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity was stolen, my personal information is incorrect. I notified experian, XXXX, and XXXX more than 60 days ago. 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Thomas Agency, Inc.
State: CO

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. The account THOMAS AGENCY which opened XXXX XXXX, XXXX is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on my report that I do not recognize

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

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 2021-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/ XXXX I sent a letter with respect to off base and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint to the CFPB and the collection company provided me a letter through your portal that I sent to Experian ... and they still haven't removed the negative from my 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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Someone hacked into my account and sold shares of my crypto on XX/XX/XXXX. I didn't get a notification from Coinbase that a transaction was made ; the only notification I received was that there was suspicious activity on my account ; specifically, there was an attempted ETH trading. So I received a text from Coinbase that if its not me I should let Coinbase know so they " delay '' the transaction. I did so right away and told them I havent done any kind of transaction on my account. Despite letting Coinbase know that the transaction attempt was not made by me, and that my account was " /disabled, the transaction was nevertheless not delayed ; it was completed although you knew it was fraud. 

On XX/XX/XXXX, I received an email from Coinbase acknowledging that my account was indeed hacked and accessed through an IP address. But, you explicitly assured me in the email that " your funds is still in your account since no external sends and withdrawals were made from the said IP address. '' Now we know that Coinbase 's assurance of account security was false.

Once I recovered my account by providing private information and changing my password, I noticed that my account balance went from around {$27000.00} to {$1800.00}. So, clearly, you could understand why I'm completely suspicious of Coinbase 's actions here if my account was purportedly restricted as of XX/XX/XXXX, as you explicitly assured me. If my account was truly restricted and any external sends were " delayed '' and " disabled, '' then obviously the hacker should not have been able to access my account through XX/XX/XXXX and completely liquidate my entire account balance. 

I am filling a complaint with the SEC regarding the events that have unfolded and the false security and suspicious activity on Coinbase 's end. I have proof of all the emails and texts you have sent me regarding the assurance regarding my account security. To make the matter worse coinbase took my XXXX $ remaining balance in my account to cover for unpaid funds for the cryptocurrency the hacker bought from my account and when I mentioned to them that it was the hacker not me, they acknowledged it but they still took my remaining balance. my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There was a charge from XXXX on my XXXX financing account for an item we did not purchase. I started a dispute with the financing company and the amount was removed from my statement. When my next statement populated, the charge has reappeared even though the dispute is still open. The disputed charge is the only charge left on the account. I called the company today and was told I am required to make payments on that amount even though it is actively being disputed. I said I feel that is against FTC rules and was told that is not what the rules are for the financing company.

Company response to consumer: Closed with explanation