vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Credit report has my SSN wrong..Banks etc my money I still have not received my mortgages was closed on me..Also my car was taken from me..An my home was taken from me at the time I was living in it a was homeless along with other property.

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 2024-02-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

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. 

US BKPT CT XXXX XXXX XXXX, US BKPT CT XXXX XXXX XXXX, has violated my rights. 

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.

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 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 2024-02-06 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: FL

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. 

US BKPT CT XXXX XXXXXXXX XXXX, US BKPT CT XXXX XXXXXXXX XXXX, has violated my rights. 

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.

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 2024-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I believe my escrow analysis was incorrectly calculated in XXXX of XXXX, causing an escrow shortage of {$220.00} for XXXX thus increasing my monthly payment from {$1200.00} to {$1200.00}. 

In XXXX of XXXX, I was issued an overage refund of {$140.00}, and my monthly payment was lowered from {$1200.00} to {$1200.00}. The total difference in payment for the year was {$320.00}. The overage refund and the lowered payment amount together equal {$470.00}. Had the XXXX analysis been done correctly, there would not be a projected deficit for XXXX. 

Additionally, my property tax went down from {$1600.00} to {$1500.00} and therefore is not the source of the projected deficit. However, my mortgage company paid this tax late and therefore incurred a 10 % fee. I do not believe I should be penalized for this negligence. My insurance premium only increased by {$120.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TFS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a HELOC through Third Federal Savings & Loan. I had a very small balance left on the account and was making regular payments. I depend on them to send me paper statements every month. I run a business and have a large number of bills to pay each month, so I take the paper statements and put them in a date ordered stack and pay them, in order, prior to their due date. 

Some time in late 2023, a single paper statement was apparently returned to Third Federal by the US Post office. Nothing has changed with my address, and I still regularly get mail there just fine. 

Because of that returned statement, Third Federal stopped sending me paper statements. On top of that, they never notified me of the trouble via e-mail or phone call. They claim to have sent a notice in the US Mail. That's the same delivery method they stopped using because it was unreliable so they should have reached out via phone or e-mail. 

I happened to catch the monthly due dates a couple of times and made payments on time. I once tried to get a copy of a statement on their website, but that's not possible unless you turn on paperless delivery. I enabled paperless delivery and grabbed a statement, but then converted back to paper. Paper is the method I need for correct processing. 

I did call them at one point and was told that they are sending statements to me. I don't remember the date of that call. 

During the chaos of trying to get them to send me statements, I apparently missed one payment. I was never notified of the missed payment. The first I was notified was AFTER they reported me to the credit bureaus for being 30 days late. At THAT POINT, they started to call me, e-mail me and send me notices that they had reported me to the credit bureaus. 

They clearly have the ability to use e-mail and phone when they want to, but never notified me of the US Mail issue, nor did they notify me that I missed one payment. 

I have since paid off my balance and will be closing my account with them. Their credit reporting has caused me direct harm. I have a credit score of over XXXX and maintain a perfect record. Because of their unethical business practices, they have dropped my score over XXXX points at a time when I'm planning on buying a new car. I simply want my credit cleaned up. I will be engaging an attorney if this can't get resolved. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have been trying to close my arrival + Barclay credit card for the past two days. When i call their office i am passed around to different people who say they are having issues canceling my card. It appears that they are having a system issue that is not allowing accounts to be closed. This system issue has been going on for days according to someone i spoke with at the company. They do not know when the issue will be resolved and when i will be able to close my account. They have requested that i call them back in another 24/48 hours.

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 2024-02-06 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: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed 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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Hi there, Can you please help? 
I am formally complaining against Coinbase as they have closed my case while retaining possession of my funds. I ask that they be required to return my funds to me. 
I have attached the page listing my asset - that should be returned to me. 

I have been asking Coinbase for access to my funds in the account since XXXX of XXXX. I have given them plenty of time to give me access to the funds, but they continue to provide no access. 

I also attached the complaint I filed with XXXX, but they said it was out of their jurisdiction, so they referred me to you folks. 

The last email I got from Coinbase was a generic email with the following info : " As outlined in our previous communications, Coinbase no longer supports XXXX XXXX XXXX XXXX  ) as of XX/XX/XXXX. As such, Coinbase has liquidated the XXXX remaining in your Coinbase account. Your XXXX  has been converted to the equivalent market value of another supported digital asset and credited back to your account, minus any transaction costs. Please note, after accounting for transaction costs, and subject to market fluctuations, you may not have received any compensation following the liquidation. '' I have not received any clear communication about what happened to the funds in my specific account, and ask for both the funds to be returned to me and the communication about what happened. 

Thank you for your time and help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
This is my refiling complaint to TRANSUNION for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

didnt receive notice of right to dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
We paid the amount of {$440.00} for XXXX on XX/XX/2023. The confirmation number for that is : XXXX. I tried explaining this but the man kept saying to send it in the mail and I can not. It is a screen shot of the payment made when we made it. We are not gon na pay another {$440.00} for something we've already paid for. I will file for harassment if I receive another bill or call about this already paid debt. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-06 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: IL

Complaint narrative:
I submitted a payment for {$100.00} through the app, well above the minimum due, and as a " second '' installment within the same billing cycle. I was somehow and suspiciously charged another {$150.00} today, XXXX, for a payment towards the card that was apparently scheduled but that I know I DID NOT SCHEDULE. So, it is a DUPLICATE charge that I requested them to cancel or refund earlier today, on XX/XX/24. However, they said they " can not do anything about it '' nor could they provide a reverse credit after the payment is posted. Which, as far as I know, amounts to deceptive and predatory practices- especially when I am not past due or obliged to make additional payments. Especially with other bills upcoming, I have been set back an additional {$150.00} that no one can explain as to how or who authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, I replied to Shellpoint 's email on how to make my loan escrowed ( send insurance declarations, insurance receipt, tax receipt ). I sent all the required documents. They have yet to respond to me. I have called the company 4 times since XX/XX/XXXX asking for updates to which they tell me " we don't have any because that department only works with emails, not phone calls ''. Their chat support also replies in the same manner. I simply want me loan escrowed and have followed every one of their required steps but they ignore my communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
During the pandemic I made late payments to my previous Mortgage Company Mr. Cooper. The payments were late due to me losing my part-time job. My loan was always current I just ran behind occasionally. 
I submitted a letter of forgiveness citing the " Cares Act '' and Mr. Cooper has refused to meet with me to discuss that difficult time. 
The " Cares Act '' reported consumers would not report late payments during the pandemic. 

I would like Mr. Cooper to remove all late payments if possible as they were made during a difficult time. Currently my report shows my mortgage was paid late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

That time was difficult for all consumers so asking for forgiveness isn't new. 

Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation