vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had logged into my account after a few months on XXXX XXXX  and noticed that my account said XXXX XXXX and realize that it said the crypto was XXXX XXXX and this is after they charged me for a gold package twice that I never authorized. I dont use cryptocurrency I went to my spending account and seen unauthorized transactions so I disputed them and I let them aware of the cryptocurrency that Ive never used so they put a restriction on my account after this I spoke with a few representatives, and they assured me that it would be handled and they get situations like this all the time so I was secure in the situation. I called back two days later and they still couldnt give me an update each time I log into the app it still says restricted and it keeps giving me a later date on when they will contact me. I have emailed them. every other day and all they said was theyll get back to me so after three weeks of calling a representative, I spoke with said he sees what happened and that he will get it handled and give me a call personally about two hours later, they sent me an email saying that my account has been closed and they didnt see anything that was an authorized or fraudulent with my account when I have only made small purchases, but deposited so much money into my account I have lost over {$20000.00} without so much of a reason why or how they came to this conclusion because the representative told me that there were several devices logged into my account a few from out of state other cities that werent mine and he told me that maybe because I login with my phone onto the app that it can be pinging from different cell towers and I assured him this was not the case. Now I am going through a financial hardship and it may be facing eviction with me, and my two children because of their negligence for not doing a thorough review and trying to figure out what is going on I also downloaded my data information that they collect and when I look at it, everything says non-applicable and that seems strange to me and Ive downloaded all of my statements from my spending account and my crypto account and a lot of the information does not add up I tried to help as much as I can. I gave them all the information I had and Im still left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: KY

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX OF XXXX XXXX XXXX : {$5100.00} ; 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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
You discriminated against me and did not approve my application requesting to extend credit meaning you failed/never tried to make me a counter offer. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as I'm being told it is. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Fact, this is a violation of 15 USC 1611 being that CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me extension of my own credit. CAPITAL ONE AUTO FINANCE has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. CAPITAL ONE AUTO FINANCE has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law. This could lead to criminal liability and civil liability for CAPITAL ONE AUTO FINANCE if chooses not to rectify this matter which is in the best interest of CAPITAL ONE AUTO FINANCE. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. 
Since the letter you sent me dated XX/XX/2023, is both proof and evidence that I have been discriminated against, you are also criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. 

AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed. 

This furnisher is not following industry 's own XXXX XXXX Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$350.00}

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 explanation
Consumer complaint received 2023-03-17 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this accounts immediately : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: KY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-03-17 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX Date Opened XX/XX/XXXX  Balance : {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: OH

Complaint narrative:
I have been victimized by identify theft. Multiple accounts have been opened up in my name. And i need them removed now. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: KY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-03-17 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: KY

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-17 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: HW Holding, Inc
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my right.

15 USC 1681 section 602 States in have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer report agency can not furnish an account without my written instructions 15 USC 1666B : A credit may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
Credit reporting agency removed a previously disputed collection account from my file on or bewteen XX/XX/XXXX and XX/XX/XXXX. They then re-added it back to my credit file on XX/XX/XXXX. In the dispute, I asked for the original agreement from the creditor, an itemized list of what I allegedly owe, and a description of the investigation process. The credit bureau did not provide me with any of this information, so the file was removed from my report. Now that the file has been reinserted, I was not provided with a notice of reinsertion from the credit reporting agency about this account within 5 business days- which is, according to the FCRA, a serious violation. I was never provided with any communication from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I booked a hotel on XXXX for an upcoming XXXX trip. This was reserved for XXXX XXXX with the XXXX being the checkout date. I have provided the XXXX receipt where I originally booked and paid for the hotel months in advance. Upon checking in I gave them my credit card as the XXXX receipt said there would be a {$66.00} fee upon checking. We were instantly bombarded by people trying to sell us activities. We do understand there is a resort fee at most hotels. We enjoy our stay, and upon checking out we are given this ridiculous receipt totaling {$1200.00} that is not only charging us once again for the stay which we already paid on XXXX, but they also tried charging us for room service we never ordered. I have provided the receipts I received from the hotel proving they tried charging me for the stay again. I refused to pay for any of it but of course they still charged me. What additional evidence do you guys need? I provided the XXXX receipt that proves I paid for my reservation, and then the receipt the hotel gave me which proves they are trying to basically extort me with the two main issues being that they are trying to charge me for my stay again and room service I didn't order. If there is any additional evidence you guys need please give me a call at XXXX or my husband a call at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had a car loan with myself and my son as the first borrower on the loan, his car was totaled out by the insurance company after a deer caused damage that was considered a total loss. After insurance paid off the vehicle, it was discovered that the gap policy on the car loan was never utilized and the amount of the policy was paid in full at the inception of the loan. 
After speaking with XXXX the administrator of the gap policy, they acknowledged the refund was due b/c the policy was never used, they car dealership was to close out the gap policy so the refund would issue, the dealership pointed the finger to the bank which held the car loan Wells Fargo , and each party involved is pointing the finger at someone else. Meanwhile, the refund amount is sitting in limbo not being distributed back to me and my son, since the amount was funded in full at the beginning of the loan. 
I have had double talk from XXXX who held the gap policy, from XXXX XXXX of XXXX, who sold the vehicle and from Wells Fargo who held the loan which was paid off.

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