vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have over XXXXXXXX XXXX in my Blockchain.com crypto exchange account. The amount was withdrawn by me to my bank account, yet the withdrawal has been sitting in limbo - " pending '' as displayed in their system. I have also been de-verified and requested to complete verification once again. 

I have been a customer for a few years and was XXXX verified to the last level ( most thorough XXXX verification available ). 

I have requested the XXXX withdrawal to be allowed to be sent to my bank account, but got nothing but excuses such as " the team will get back to you, I am sorry '' etc. 

As of now, I can not even log in to the account, because they won't send me the verification E-mail. I tried logging in just now and a few weeks ago as well, so it's not a temporary issue nor does my E-mail client experience problems whatsoever. 

There are dozens of similar situations such as mine posted on XXXX. I want my money back, these guys are selectively scamming people. I hope they go bankrupt and their CEO losses all his money to someone selectively scamming him as well. 

Thank you, would really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

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 2024-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. XXXX, TRANSUNION & 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 2024-05-12 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account has violated Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX security credit service has violated 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-05-12 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: NY

Complaint narrative:
I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.

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 2024-05-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: PR

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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
After I applied for assistance from XXXX XXXX XXXX because of the XXXX pandemic, XXXX placed the loan into foreclosure. The mortgage loan originated from XXXX XXXX XXXX. This loan was subsequently sold to XXXX XXXX XXXX, which reduced the principal by approximately 50 %. However, XXXX stated the loan at the original amount. We requested a full loan repayment history from XXXX, which was never provided. 

The home was recently sold and the loan amount was paid in full. However, XXXX falsely reported to all the credit bureaus that the house was foreclosed and they stated that we surrendered the deed in lieu of mortgage. This reporting has a major impact on our credit, reducing our credit score by more than XXXX points. We would request an investigation into this situation since we believe we were overcharged by hundreds of thousands in interest and other hidden costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I have been attempting to remove the PMI on my property for 6 months now. My property does not meet the qualifying pay-off amount, however ; the value has increased by more than enough, and I am attempting to initiate a valuation to prove that. 

The first time I requested the document, it as right before the holidays, and I didn't see it until it was too late to mail the proper documents and payment. That was my mistake. 

Since then, I have requested it 4 times. Each time I received an e-mail confirmation that the document was sent to my online document center. When I checked the documents, a new document was not there, or I was sent an expired document. Most recently, I reached out to customer support about this after not receiving anything for multiple weeks after my request and e-mail confirmation. They claimed they would resubmit the request for me, but they did not. They actually just sent the document from my previous request ( XX/XX/2024 ), which was not available before, hence why I reached out to customer service. I received the e-mail confirmation for this on XXXX, which is the exact day that document expires. I still do not have any document related to the XX/XX/2024 e-mail notification. 

XXXX also seemed uneducated on the process, or blatantly lying to end the conversation. See attached conversation for details. 

I do not know if their is an internal issue that is sending notifications, but not presenting the documents, or if this is an intentional effort to discourage PMI removal in the current housing market, but either way it is very inconvenient and ethically bankrupt. 

Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MO

Complaint narrative:
Equifax has ignored my FTC report during the investigation of identity theft case. They allowed creditors to add false erroneous accounts during a credit freeze, block and fraud alert. Even worse they removed and added different accounts within the same creditors with negative false information. Currently XXXX still allowing me to be victimized-even worse they are actually removing adding different info that was never reported by the actual creditor. I spend hours on the phone with equifax only to wake up with an even more incorrect report. 
Equifax is responsible for a credit score average that caused me to possibly lose my home, not purchase a vehicle. 5 court dates & a high interest loan in order to survive that is currently showing late payments. In return tanking my credit Score even further. They have not responded to the cfpb complaint still to date. However they have been taking action. See documents below.

Yesterday 3 old negative reports were added to equifax report as new reports. These were removed by the actual creditors several Months ago. Equifax lies to me and only instigates me to file a dispute always. They actually force me to file disputes while the status is still under investigation elongating the process even further. 
I feel Absolutely helpless at this point. Someone please help. I am about to give up, sell my business etc. I cant take their financial abuse any longer. Its insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. XXXX, XXXX. & transunion...

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. Equifax, XXXX. & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
that the credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have received a collection on my credit report from XXXX. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$210.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX. I paid this off once before but the physical card i never had in my possession. Purchases were made that were not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 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: MN

Complaint narrative:
Since the beginning of this year and last tear I had to wait weeks or months to access my own money to use alternative funds to afford basic living expenses, forcing me to turn to credit cards or payday loans to make ends meet. I bank through Chime Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I entered into {$24000.00} loan agreement ( attached ) with Toyota Financial Services ( aka XXXX  of XXXX XXXX XXXX XXXX ). The Loan ( no. XXXX ) was subsequently refinanced with XXXX XXXX  XXXX XXXX and paid off in full in XXXX. 
My complaint is with the original loan issuer, Toyota Financial as driven by the following circustames which I believe to have punitive, predatory and illegal. 

During the loan closing I was advised by the Finance Manager, XXXX XXXX XXXX XXXX, that I could not quality for the loan due my " poor credit '' which was based on my then XXXX score of XXXX and a past bankruptcy filing in XXXX, and that the only way for me to get the loan was sign up for ancillary and unwanted products as follows : {$2900.00} for Optional Mechanical Breakdown {$1400.00} for Pre paid maintenance {$990.00} for Tire and Wheel Safe Gaurd I was " railroaded '' into taking these services under threat of not being able to buy the car I has negotiated the price after several hours of haggling at the dealership. 
I complaint is being file at this later juncture since I become more aware of my rights now after some research. I am seeking redress in the form of refund of the unwanted product costs and for forgiveness for and refund of the entire debt. 

Thank you for your review of my case. Please call or email me with any questions. 

XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
On XX/XX/year>, XXXX Mortgage, which is my lender. I call to apply for refinancing with equity cash out. I to by the name of XXXX XXXX which is the mortgage consult. We did the application process, answered the questions that ask me about my race and gender. Once we went that process, he tells me that didn't meet the qualifications. I told him that my home is worth more he think and needs to appraise again. He tells me that in order to see my home is worth more that I have get an XXXX. I told that VA paise for it not me. He disagreed with me. I told him that VA paid for it before twice. He gave me his Phone and told that he was going check on and call me back. I never received a phone back. On XXXX XXXX, I can him and got another consult and told that trying to get in contact with. They said they relay the message. Never received the call back. On XX/XX/year>, I called again. They that they will relay the message. Never got a call back. I fill that when fold out that I was XXXX XXXX, he didn't want continue. I you need is call recording where i called the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12 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: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: PR

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 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction was made between my Discover debit account and an unknown XXXX  XXXX XXXX  account which resulted in unauthorized withdrawal of {$60000.00} on XX/XX/XXXX ( via XXXX Pull from XXXX XXXX ). I never authorized this transaction. Please refer to the previously submitted complaint in my account on this website. 

On XX/XX/XXXX, I contacted Discover Bank and they advised me that they would need to " freeze '' my account and transfer my remaining funds into a new debit account to prevent further incidents. Then on XX/XX/XXXX, during my follow up call with Discover Bank, I was informed that my old account has been " closed, '' instead of " frozen. '' I was also informed that at this point, even if the transaction of {$60000.00} becomes reversed, I would not be able to receive the fund back because the old account is now " closed. '' Discover bank also informed that even after transaction reversal, the fund will be sent back, again, to XXXX XXXX because of the same reason. 

Discover also informed me that they closed the investigation with " not in my favor '' with no further investigation. They did not provide me with any reasons or made attempts to correct the situation. All I was told was I would not receive my {$60000.00} back. 

I will try to have Discover reopen the investigation and look further into this, but I feel helpless at this point. Please reach out to Discover and XXXX XXXX and help me get my funds back. 

Here are the transaction number and the reference number for my case : Trace number for the fraudulent ACH transaction : XXXX Related reference number : XXXX Thank you for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief