vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
Account frozen without notice for three days for an investigation leaving elderly account holder without access to cash in the 3 day interim, until the investigation is concluded. No regard or consideration given to the fact that this is the only financial institution and locking account up leaves the person financially stranded for 3 days. Tried to request that the investigation be expedited unsuccessfully after mentioning that it is the only financial account and that I could not buy groceries to make it through the weekend. Placed me, XXXX widow without kids or family in significant financial hardship for three days as I do not beep cash in the house and did not have enough food to make it through the weekend. Account was locked on Thursday and will take 3 business days to be unlocked ( 5 actual days without any access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: LA

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-02 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: LA

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: AR

Complaint narrative:
My name is XXXX XXXX my When the pandemic 1st started I applied for XXXX I was approved I signed up for a prepaid card to get direct deposit from the card.com company On XX/XX/XXXX {$12000.00} was loaded on card ending in XXXX I had 2 cards with them The other ending in XXXX I had XXXX XXXX deposited on it as well In order to even be approved for this prepaid card you have to 1st in advance Fully verified which I did I purchased a few things I guess my account got red flagged when I made a purchase out of town and I did not see the notification until they had already closed my account they are not following any of their policy and procedures I've read them over and over I have gone back-and-forth with them they will not give me the remainder of my money I have done everything I know possibly to do how can they just keep my money their policy States that infinite account for any reason is closed and there's more than one cents on it they will send A check to the address on file they will not give me my money and I want it back. Please take note the billing address It's not my current Residents anymore the one I provided here is the current my number has also changed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NC

Complaint narrative:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like to have this extended fraud alert deleted from my Experian credit profile. 


XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2022-12-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting the account below, my rights were violated : XXXX XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
The card is a capitol one quicksilver card. 
There was a charge from capitol one travel on my card. 
I spent 1 hour trying to resolve it, nothing was done. 
Then I spent another 20 minutes at which time the card was locked, so right now I have no credit card that I can use. These are both capitol one companies ... and they are treating the credit card customer like XXXX. They will not talk to each other and resolve the matter. 

Plus, all 5 customer service people that I talked with were pretty rude. Women in XXXX do not need to be referred to as " Miss '' XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 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 2022-12-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 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 explanation
Consumer complaint received 2022-12-02 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: TX

Complaint narrative:
I pulled my credit a few months ago I noticed that there was inaccurate information on my Equifax report. I have reached out to them multiple times to get an investigation done and they failed to conduct one. They never provided results to me and they still have not responded to my letter on XX/XX/2022 where I provided them with more information. The FCRA states that they have 30 days to respond and they did not. They continue to report inaccuracies after being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comentiy Bank/Bread Financial has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma sent me numerous of emails and also advertised within the website on my account that I was preapproved for a credit card and when I applied I wasnt approved which caused damage to my credit because of the hard pull of credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XXXX XXXX I opened an Ashley HomeStore credit card in order to purchase a couch for my new home. Although I had XXXX XXXX interest for a year I paid off my card within 8 months. 

I received notification on XX/XX/XXXX that Synchrony was closing my account " after a review ''. They chose to close my account due to the following Lack Of Real Estate Secured Loan Information Too Many Revolving Accounts With High Balance Compared To Credit Limit Too Many Inquiries Balances On Bankcards Are Too High Compared With Credit Limits 1. Why was my account reviewed? There were no missed payments of any kind or late payments.

2. What does having a mortgage have to do with purchasing furniture?

3. What does my balance on other cards have to do with my Ashley HomeStore Card?

4. Why would Synchrony close a card with a {$0.00} balance and paid on time when in use?

Synchrony closing this card caused my credit score to drop XXXX points flat out. Synchrony Bank harms consumers by closing accounts that aren't posing a risk to them and damages consumer credit worthiness for no reason. 

They actually did this previously to me with an old Lowe 's card. At the time that card also had a {$0.00} balance and Synchrony had cited that my credit score was " too low '' then closed the card and dropped my credit score even further.

Synchrony harms Americans by closing open revolving cards that are not risky.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I believe that this inquiry was done fraudulently because I have no knowledge of how this inquiry was made because I've never applied for anything using this Navy Federal Credit Union. I have requested for a fraud alert to be put on my credit report and hopes that this never happens again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They dont allow me to open an account after I been victim of fraud I tried to communicate with them about it but they still saying Im the one who do the fraud so now they dont want me to open an account with them

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Date : XXXX RE : Late Payment Removal Account Number : XXXX Balance : XXXX Late Payment Dates XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication.

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 2022-12-02 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: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase XXXX XXXX XXXX : On XX/XX/2022 I made a purchase at a restaurant for {$48.00}. Coinbase has continued to hold {$140.00} ( Coinbase lists the charge as pending ) which has resulted in 6 Declined Charges to my card since I have been unable to access the {$97.00}. 

I have contacted Coinbase numerous times and not only have I been directed to out of country service reps who don't know how to handle the situation, when it gets escalated back to the US team they point back to the retailer ( Coinbase will not take phone calls in the US ). The retailer has provided me proof that they submitted to Coinbase the charge for {$48.00} and NEVER hold extra amount over the charge as a matter of policy. 

This amounts to theft of {$97.00} by Coinbase and at least 10 hours of time, duress, embarrassment, pain and suffering, emotional distress and general XXXX The retailer can not understand why this banking group has a hold as they DO NOT hold funds like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a notification from Discover that I had possible eligibility in a Discover XXXX XXXX 2 % rebate program. I called in to ask and was told I was eligible for the smaller of two loans ( or about a {$40.00} rebate ). Unrelated to this inquiry, I was told that the reason I was not eligible for the larger loan is because I chose a fixed rate and not a variable rate. This sure feels a lot like steering. 

At any rate, I was told I was win fact eligible but I then needed to provide proof of XXXX. I did that after much searching through old photos as I was overseas. I was then told today via secure message that now I'm ineligible. But no reason was given. I called in and asked why. Then I was told that I XXXX too long ago. Then I was told that my claim was too long from the date of XXXX Then after being put on hold a long time, I was told that now my loan was disbursed too soon to when I actually XXXX  Frankly, I should be paid 2 % back on both loans since I took out loans, paid them back, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TX

Complaint narrative:
On Experian there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed XXXX report and sent it in but those items are still on my report when i call Experian they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the XXXX  letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.

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