vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
I am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
I am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.

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 2022-04-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a 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 2022-04-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive asked the XXXX, Experian, XXXX, and XXXX XXXX to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

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 non-monetary relief
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I originated these two loans for two different properties with LoanDepot around XX/XX/2021. They have all of my insurance information showing insurance has been paid, etc. They have all of my property tax information on where taxes should be paid, etc. 

1. I recently found out that property taxes were not paid from my escrow accounts for these two loans. I reached out to LoanDepot when I found out, and they are still " researching '' the issue. Yet the property taxes are still unpaid and accruing interest from the city. I hope that they pay the interest from their own funds as this is their error. 

2. I received a threatening notice saying I do not have insurance on my property, and they would buy expensive insurance on my behalf if I do not provide them with insurance information. LoanDepot already has all of my insurance information. In fact, they apparently even paid the insurance on one of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-01 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: FL

Complaint narrative:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action TyXXXX 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 explanation
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was under the impression I was talking to a military friend on XXXX who supposedly made a huge sum of money investing in XXXX XXXX. His broker was XXXX XXXX. He referred me to her. 

On XXXX XXXX at approximately, I sent {$2000.00} via XXXX to an account registered to XXXX, XXXX, according to the XXXX XXXX. She was serving as a Broker for a website called XXXX 

The website looked like it had a legitimate account dashboard, and it was hard to believe I had made $ XXXX from a $ XXXX investment. I proceeded to make a withdrawal, but then XXXX contacted me and said I had to pay $ XXXX in XXXXXXXX XXXX fees. 

I proceeded to send another XXXX transaction in XXXX disbursements of {$1500.00} to a XXXX XXXX for XXXX XXXX  fees on XXXX XXXX. 

On XXXX XXXX I sent another XXXX disbursements of {$1500.00} to XXXX XXXX for more fees ; however, when I went to withdraw my supposedly new earned profits, I was immediately locked out of my dashboard on the website, and I could no longer contact XXXX on XXXX. Additionally, I was locked out of my XXXX the same day because it had been hacked. 

Friends on XXXX reached out and said that they were being with the same XXXX XXXX investing opportunity through my social media platform. 

I finally reached out to my friend via correspondence who mentioned his XXXX account had been hacked, and that he had fell for the same scam. 

On or about XXXX XXXX, I filed a claim with Bank of America ( BOA ), and the claim was denied because the bank is saying I authorized those transactions. As a courtesy, they would try and recover funds from the other banks the funds were transferred to ( XXXX, XXXX, and another BOA customer account ). 

However, after reading Regulation E of the Electronic Funds Transfer Act, I believe that this is covered under that regulation as it meets the criteria for fraud. Please help me resolve this. It seems that several other consumers are falling victim to these XXXX transaction scams. 

On XXXX XXXX, I called BOA and was told that they could not recover funds. I filed a report via XXXX, and I havent received a response.

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 2022-04-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 non-monetary relief
Consumer complaint received 2022-04-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 2022-04-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX my credit score dropped XXXX points for no reason. Transunion Score is now XXXX  points lower than XXXX and XXXX, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than its their proprietary scoring model that is causing the difference. 
Transunion refuses to fix or address the discrepancy or provide any transparency regarding the method in which scores are calculated, why the score dropped and why it is lower than the other reporting agencies. A large number of consumers on social media and consumer sites are complaining of Transunion Score being significantly lower than the other bureaus, or the score suddenly decreasing and fluctuating for no apparent reason, or for paying off loans to term and as agreed, paying off credit cards, or after having disputed information removed. Please open an investigation/federal inquiry to Transunion. Their scoring model is flawed, egregious and harmful to consumers, causing credit denials and higher interest rates.

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been using CareCredit for nearly XXXX decades and it has always been the same : I have 1 year to pay off the balance ; they divide the monthly payments so, as long as I pay the minimum payment amount, then it will be paid off in full within 1 year and I have no interest charges. This has been the case multiple times over the past XXXX years. 

I charged {$1700.00} to my Care Credit card in XX/XX/XXXX. I immediately agreed to set up automatic payments each month expecting the balance to be paid off by XX/XX/XXXX. But Care Credit changed this to a XXXX term without adjusting my minimum balance accordingly. So they have been charging me a total of {$380.00} in interest since XX/XX/XXXX. My current balance is {$1500.00} even though I have been making monthly payments for nearly 1 year ( totalling {$520.00} )! My acocunt balance should be {$1100.00}. 

This is total deception! How can they expect anyone to pay this off? My {$520.00} payments only took {$140.00} off my balance! That is a 72 % interest rate!!!! 

I need the {$380.00} in interest reversed and then I will pay the balance that is remaining in full today ( {$1100.00} ).

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 monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I was having all kinds of trouble signing in to my XXXX Coinbase accounts and was contacted by a Coinbase customer service rep who offered to assist me with getting both of my accounts unlocked. They were very knowledgeable and helpful. Everything they were saying made perfect sense as I have had issues getting into my XXXX accounts. They sent themselves XXXX transactions out of my XXXX accounts and stole XXXX XXXX and XXXX XXXX. On that date the assets were valued at {$260000.00}. 

Shortly after my phone call with the Coinbase customer service rep I felt uneasy and immediately made several efforts to contact Coinbase customer service to cancel the transactions. Unfortunately for me, the Coinbase customer service portal was down and they were completely unresponsive. I hold Coinbase responsible for these stolen assets because there were not safeguards in place to alert me that I was transferring money out of my account and the Coinbase customer service portal was not working at the time of the incident. 

I have reported this theft to the FBI, XXXX XXXX XXXX Police Department, the FTC and now the CFPB. 

Coinbase has not been responsive to my situation and keeps sending me out form responses that never address the particulars of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: NY

Complaint narrative:
As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to 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 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MN

Complaint narrative:
XXXX2022 Aargon Agency flagged my credit report for an electric bill, in an entirely different state from where I live, and now thinks I'm going to pay them {$350.00} for something I have no knowledge of. I've never lived at this address, got mail here or is it associated with me period. I don't know who lives here or where it is actually. I need help.

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