vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, Coinbase allowed an unauthorized person to sell all of my crypto assets and immediately transfer {$70000.00} USD to an unknown location. Bank XXXX XXXX ( account linked ) returned {$1000.00}, but I have lost the remainder of {$69000.00}. 

XXXX provided my XXXX card to an unknown person who hacked into my coinbase. Coinbase is being targeted by criminals because they automatically transfer money with no hold and offer apparently complete protection for the criminal. In fact coinbase locked me out of my account for almost 2 days after the theft occurred. 

Coinbase has been uncooperative and will not refund any of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Transunion that the 13 complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that FCRA 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA 15 U.S.C. 1681B states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within 15 days according to 15 U.S.C. 1681i but the agency also did NOT comply with the law yet again. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative. Also note, XXXX XXXX, General Counsel, understood my request and deleted the other accounts so it appears the person reading this is not the right person. Side note, how is it that my rights were upheld with the other accounts ( see attachment below ) yet the transaction in question is being disregarded?

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 2022-01-03 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: AZ

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. I sent letters to Experian Credit Bureau but to my surprise, I did not receive anything back as a response. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : Accounts : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$240.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$140.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$90.00} Inquiries : XXXX  ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX  Incorrect Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX Got a called, which seemed to be a scam. They stated that I owed 5/3rd  bank XXXX dollars from XXXX. 

I hung up and called 5/3rd bank and they confirmed that I never owed money to them, I had an account prior to XXXX. 

I called back after speaking to 5/3rd bank and when transferred to the " case manager '' the receptionist wasn't muted and she was making a lot of negative comments. I asked what kind of scam they were running and she said they were sending it off to an attorney and hung up. 

They were predatory and pushing for me to pay over the phone. Insisting my current bank accounts would be frozen if it was not paid by end of business and an attorney im my jurisdiction would be filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Equifax that the XXXX complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that XXXX XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA XXXX XXXX. XXXX states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within XXXX days according to XXXX XXXX. XXXX but the agency also did NOT comply with the law yet again. For the record, only the original credit can validate an account per XXXX XXXX XXXX and a creditor only refers to a " person. '' Equifax never validating anything with me. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A XXXX account via XXXX XXXX was charged-off in XXXX. XXXX states on my credit report that the account was sold to a third party following the charge-off. The company that XXXX lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that XXXX is reporting on my Experian credit report. 

XXXX XXXX and XXXX XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. Experian must remove the duplicate negative reporting.

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc.
State: AZ

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. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Friday XX/XX/XXXX -my card was pick pocketed around XXXX in XXXX XXXX -I  was using it for retail shopping, a few minutes later I noticed my card was missing -I immediately checked online and noticed an unauthorized trasanction -The retailer XXXX  XXXX was steps away transaction amount {$300.00} -I immediately entered XXXX, they confirmed my card was used by a lady -I immediately notified Citi who cancelled my card and mailed me a replacement As of today XX/XX/2021 the charge from XXXX  for {$300.00} was still on my card, Citi has not removed the charge, to protect my credit worthiness I was forced to pay the amount since I pay the card in full every month. I've tried many times to call Citi and continue getting transferred around until eventually the call is ended by dead air.

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 2022-01-03 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: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delivery Financial Services, LLC
State: AZ

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. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this DLVRY FN SVC ( XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus 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. 
DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$240.00} DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a Chime debit card in the mail XX/XX/2022. I did not open this account, I have tried contacting their number and no options to get to a human. I have contacted support through their support email, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am not able to open up a bank account due to someone using my information for fraud.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX I received late notice via text on my Synchrony Bank Lumber Liquidators credit card that I was late on my payment for the balance of {$960.00} that I did NOT make. I've only used this card once and paid it off before this unauthorized balance. I've been told it's a surcharge from the store, it's interest from the promotion of my only purchase which I paid off before promotion ended. This account had been dormant until surprise I've got a balance. Not once was I made aware of purchase or that a payment was coming due and I had an excellent payment history with them and none of that played a factor. I did not make any purchases and yet I'm being charged late fees and a negative mark is placed on my credit. I've been told that it's being investigated. That the account was closed with a new one issued but with this balance.

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 2022-01-03 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient is in violation of the following : 15 USC 1692b ( 2 ) Exhibit A attached 15USC 1692b ( 5 ) Exhibit B attached 15USC 1692d ( 1 ) Exhibit C attached Navient has failed to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank, with whom I have never opened an account with, is attempting to collect money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XX/XX/XXXX 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXX/XX/XXXX1 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft Crypto Hacker so I want to report this to FTC. After I contact to related department, they advise me to file a FTC complaint to help resolved this matter. On XX/XX/2021, I signed up with Coinbase Company to invest in crypto. Very shortly after that on XX/XX/2021 at XXXX am, someone hacked into my Coinbase account and took {$6000.00} cash credit in my Coinbase account. At XXXX am XXXX XX/XX/2021, they used that cash to purchase Bitcoin and transfer the coin to their account, in short, they stole {$6000.00} cash credit from my Coinbase account. At the same time and date, they also hacked and stole XXXX XXXX XXXX anXXXX XXXX  XXXX XXXX from Coinbase. On XX/XX/2021, at XXXX Pm, I contacted Coinbase via Coinbase website and informed them about the hacked. XXXX XXXX, they emailed back saying they closed the case. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 received a credit card from TD bank .I did not request this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

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. I have been contacting the 3 Credit Bureaus requesting a complete payment history with this account. Despite the multiple previous written requests. Below are the accounts that are reported, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CREDIT COLL ( XXXX XXXX ) XXXX Balance {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I had not received statement for XX/XX/XXXX payment. I called and was told that my statement went out that day but was delayed due to XXXX tax forms for XXXX being mailed with statement. On XX/XX/XXXX I received statement that payment that the payment due date is XX/XX/XXXX without the stated tax statement that supposedly made the mailing late.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation