vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: FL

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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an XXXX loan ( -- XXXX ) with Wells Fargo bank since XXXX. I was paying on time every first of the month. But recently they have started charging {$450.00} every month as past due. I went to talk the local wells Fargo bank. They said it is a XXXX account and call the number provided for help. I did call them with provided phone number on the statements with many times. They just transferring phone calls and hold for many hours. Still I am paying {$450.00} every month since XXXX. My business is very slow and not able to pay this " illegal '' late charge for past due. I was paying on time in the local bank then how come it is " past Due ''. No one is giving me any answer. Always says- will e-mail. But they never contacted me. Please kindly resolve this issue and refund my " past due '' money collected illegally. Thanks Sincerely 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 monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please remove the unauthorized inquiries stated in my letter

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 2023-07-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
please remove the unauthorized inquiries stated in my letter

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
My car was originally leased to XXXX XXXX XXXX  but was transferred to green Road Finance with no knowledge to me. Im XX/XX/2023 the repossessed my car out of a private underground parking structure this parking structure is permit only they never received permission from landlord or manager on site to enter the parking structure. When I went to pay to get my car back at XXXX XXXX XXXX they refused to give me a receipt and my birth certificate was missing out of the glove box.I called green Road Finance they refuse to recover a receipt for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MD

Complaint narrative:
I have never given my consent and feel that Im a victim of identity theft from the following companies : XXXX, XXXX, and Experian. I ask that these situations be resolved.

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 2023-07-18 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: VA

Complaint narrative:
I am writing to file a formal complaint against American Express regarding the wrongful deduction of promotional points from my Membership Rewards account without providing a valid reason or proper explanation. Despite my attempts to resolve this issue with American Express directly, their customer service representatives have been unhelpful and have claimed that they are unable to assist me. 

On XX/XX/2023, I received an email notification from American Express informing me that they had made adjustments to my Membership Rewards account. The email vaguely stated, " We've adjusted some points on your Membership Rewards account, '' and went on to mention that the adjustment was made due to activity that allegedly violated the terms and conditions of the Membership Rewards program or the promotional offer through which the points were earned.

The email failed to specify which terms and conditions I may have violated, leaving me completely unaware of the alleged discrepancy. Furthermore, American Express used uncertain language, stating that the points " may have been earned or used '' in a manner contrary to the terms and conditions. This lack of clarity and specificity is deeply concerning and raises doubts about the legitimacy of their actions. 

To my disbelief, American Express deducted XXXX points from my account, which holds a minimum value to me of {$1100.00}. These points were acquired through a legitimate promotional offer, and I have diligently adhered to the terms and conditions outlined by American Express. Therefore, I strongly believe that the deduction of these points is unjustified and constitutes a breach of our contractual agreement. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf. I expect American Express to provide a detailed explanation as to why my points were taken away and present evidence supporting their claim. Furthermore, I demand the immediate reinstatement of the wrongfully deducted XXXX points to my Membership Rewards account. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a swift resolution of this issue. American Express 's lack of transparency and failure to provide a valid reason for the deduction of my points is both frustrating and distressing. I am confident that with your assistance, justice will be served, and my rights as a consumer will be protected. 

Thank you for your attention to this matter. I eagerly await your prompt action and a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. 

Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. 

Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. 

Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. 

In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. 

I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. 

Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. 

I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.

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 2023-07-18 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-19 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: AL

Complaint narrative:
I submitted disputes to the 3 credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.

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 2023-07-19 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: AL

Complaint narrative:
I submitted disputes to the XXXX credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.

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 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I called Coinbase support because I had purchased XXXX token and value was not in my coinbase wallet. Tech support helped me find some of my XXXX tokens. This is where things got weird. I had been holding onto XXXX XXXX tokens since they showed up in my coinbase wallet. I just assumed it was an airdrop or was sent to my wallet but I cant find the transaction Hash. So I just left them in my wallet. Well during my tech support call with Coinbase, Coinbase told me to delete and redownload the app. Which I did. They also told me to renter my XXXX word Seed phrase which I did. But when I was logged into coinbase wallet. My XXXX tokens had Vanished. I hope my call to coinbase wasnt spoofed with is a hacking thing. But if I wasnt spoofed and someone didnt steal my funds. Then during my call with coinbase they stole my tokens. Its been very stressful loosing my tokens. Which at the time was only a {$2000.00} value but for holding them for so long why did the fund disappear. I think coinbase took my tokens because of a weird guess is. Is your holding XXXX it should be at a higher value and I was gifted those tokens or airdropped. Coinbase doesnt want to believe that those tokens are worth more and have not been honoring the value of these tokens. So they stool them. But I will not stop till this situation has been resolved. They keep closing my case # XXXX trying to say I didnt have the funds because I dont have a ether scan hash to search my value but its because I never swapped or moved or sold those tokens in my wallet. I believe the fraud my tokens. Im going up against a firm that can edit and change info so its going to be hard but I have been saving screen shots of my investment since I began with XXXX investing and I would like them to return my funds back into my wallet! This isnt fair to the investor. And I hope I wasnt spoofed and my funds was stolen by a hacker. I would like to believe coin is just holding onto my fund till after do kwons court with XXXX token but XXXX not sure. Thank you for your help on resolving this matter with Coinbase stealing my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MD

Complaint narrative:
I applied for a quick silver secured credit card with Capital One. I made XXXX deposits totaling {$1000.00} dollars. My account was opened on XX/XX/2023 and closed on XX/XX/2023. I was initially told it was closed because returned payments on the new account. However, both payments were cleared and verified by my bank. After the verification of payments, I was told it was from XXXX previous accounts. I informed Capital One that those previous accounts were opened fraudulently, and I submitted the appropriate documentation previously. This was verified by the closed accounts department, and I was transferred to a fraud supervisor who told me that it was nothing he could do and it could take XXXX billing cycles to have my deposit returned. I told them this was unacceptable because I never used the account and it was closed at no fault of my own. He responded there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief