vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by a XXXX XXXX XXXX XXXX  ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MI

Complaint narrative:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

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 2022-03-22 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: MI

Complaint narrative:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a complaint against CAPITAL ONE, regarding them closing my account and I had nothing to do with the issue, but someone trying to help me during a terrible experience I had stepped in to help me pay money that the scammer demanded. I have 4 credit cards, they are restricted and closed. This complaint focuses on ACCOUNT XXXX XXXX, which I paid out of my XXXX BANK account, and has a zero balance ZERO!!! after I paid the {$3000.00}. 
They send me a letter everyday giving me 45 days to submitted proof I paid this. They don't listen to me when I call them, and insist the account was paid by the individual that paid all my bills to help me back in XXXX that I was demanded by this scammer to get him. I WAS NOT AWARE OF HOW MY BILLS WERE GETTINGPAID, SINCE I WAS READY FOR A BREAKDOWN DUE TO BEING THREATEN. 
SEE MY COMPLAINT XXXX Capital also sends me a daily email that they are closing my accounts u less I produce a statement. 
ALL OF THIS WAS UNFORTUNATE DUE TO THIS SCAM by a lying fake DETECTIVE BUT CAPITAL ONE HAS TREATED ME LIKE A CRIMINAL!!!!! I KNOW this is my 2nd complaint, but the mail delivered 4 more letter today and calling them they never listen or help it's a recording the same answer. Stop hurting a very good card holder for over 20 years+++CAPITAL ONE HAS ALSO DESTROYED MY CREDIT REPORT. 
I ASK THEY CLOSE MY ACCOUNT DUE TO PROTEST. 
I'm sick of a bank being so nasty and seeming love to " hurt '' the public. I did nothing wrong! BUT OF COURSE, I'M BLAMED. All this harassment, and it hurts me! To be blamed for something I had no control of, and to rub it in daily. 
PLEASE ADD THIS TO THE ABOVE COMPLAINT. I know the bank will come out perfect since we are nobody and they have the power to do whatever they want. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On the XXXX of XXXX I contacted credit, spend account customer service to report fraudulent activity on my account explain to them via phone call all of my money was gone out of my account which was deposited from the IRS my taxes and I had gotten notifications on my email that the new card was issued and sent out to an address that I was unfamiliar with and that the phone number on the account I was locked out of the account the pain was changed to the card I had all these no notifications and when they told me the transactions these people drink my money through XXXX XXXX and at a casino and threw up it's very obvious and evident that it was fraudulent activity they have now not giving me an explanation why but they have denied my claim twice and that is not right they have also blocked my access to my credit karma account and will not send out any Credit Karma spend account card which I have money on my card still and I had a direct deposit so I need my money they are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This complaint is against the Paypal company, who have been imposing discriminatory, unreasonable, and illegal burden of proof on my company for every transaction we receive, slowing us down considerably in our business processes. 
I have spoken to their customer service and provided all needed information and have the Paypal system set up on my website which required all types of verifications... 
Why am I now and every time being asked for additional verifications though we have systems in place that have already done so? Who in there is being so nosy that they want to see bank statements and purchases from suppliers or additional private information for our business? This causes more security concerns and implications by unqualified third-party companies who could also be sabotaging our business activities... or stealing or business model... 
Now, I am being asked another 5 days after communicating and providing all information. 
Are we being purposely sabotaged to cause business failures?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TransferWise Ltd
State: CA

Complaint narrative:
The company - called Transferwise now called XXXX allowed XXXX XXXX to double bill my card- approximately {$500.00} two times = {$1000.00}. 

This has overdrawn my account and blocked access to my good funds for 10 days. I have sent twitter and email messages. They apologized but refused to clear the double charges. My subsequent emails to them - no replies- only silence. 

Account # XXXX My email address - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi is sending harassing letter told not to contact back in 2017 per NDR! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio America Asset Management, LLC
State: FL

Complaint narrative:
I recently see a collection on my report fir {$600.00} I only have one credit card for the last 3 years are more, I haven't been intouch with anyone in regards to any outstanding balance

Company response to consumer: Untimely response
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

EXPERIAN has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by EXPERIAN agent XXXX XXXX, there is no proof to the contrary. EXPERAIN is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

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 2022-03-22 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: CO

Complaint narrative:
My complaint is about Experian or possibly all the main credit reporting companies. PRIOR to XXXX XXXX erroneously reporting I was late with my mortgage payments, my credit score was in the mid XXXX 's ( excellent ). BECAUSE of a bank error by XXXX XXXX  my credit score tanked to mid XXXX 's ( fair ). XXXX XXXXk said they submitted that it was a bank error and yet my credit score is still DRASTICALLY lower than prior to their error. My bank statements prove every payment was sent like clockwork. The bank has verified this. What is the problem now? 

I am absolutely NEVER late on anything and I pay off ALL my credit cards each and every month. There is absolutely no reason for my credit score to remain in the XXXX 's vs mid XXXX 's where it has been for YEARS. 

I planned to re-fi my mortgage before interest rates went up but this situation has already make that difficult. What is my recourse?

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
For opaque reasons that are as unfair, American Express is consistently refusing to honor their advertised promotion to me when applying for their card ( see attached pop up image when attempting to obtain a publicly advertised offer ). 

After having been initially told that I am ineligible for any offers due to me electing to take advantage of their COVID relief program in late XXXX of 2021 and would need to wait a full year to reapply for a credit card with their company. Although the year has elapsed they continuer to not honor their publicly advertised promotion to myself- both when applying on the personal and business level. 

My credit score is above average and I feel that American Express is not honoring their commitment to the public by singling out applicants arbitrarily based on opaque reasoning that is equally unjust to the applicant. In this case, I am being treated unfairly and it is causing me to question their ethical practices in provided equal credit services to all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
I have all these inquiries on my credit profile that I did not give any company permission to run my credit My consumer rights was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I have been a victim of Identity theft since XXXX and my personal information was used by someone else to open more than 9 credit card accounts. I found out about this issue in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name using an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I'v also filed dispute with FORTIVA XXXX XXXX XXXX XXXX XXXX GA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am an ID theft victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 United Collections Bureau Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX, XXXX Bank XXXX ) XXXX 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2022-03-22 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: FL

Complaint narrative:
XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

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 2022-03-22 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: FL

Complaint narrative:
XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

Company response to consumer: Closed with explanation