vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year> {$8500.00} was transferred from my bank account into Coinbase. I then noticed that there were transactions occurring within my coinbase account that were not initiated by me. I immediately requested a password change and that my account be locked so that no money could be transferred out. Instead of helping me secure my account, Coinbase locked me out of my own account for XXXX hours for verification and when I was finally able to log back in, all my money was gone including additional funds I had in the account before that day. I called Coinbase begging for help and begging to get my money back but they denied my request and told me it was my fault and that I had initiated the transfers when I did not. I requested they provide the IP of whoever or wherever the transfer was requested from and they denied it knowing that I was not the one who requested these transfers. I dont know who stole my money or how they did it but my money was stolen and denied. Ive been trying to fight this for the past year but Coinbase is not helping me at all and refuses to cooperate. Please Assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX, called Amex to get info on why I can't use the card which is for the amount of XXXX dollars, they directed me to the Amex site to make my purchases then declined those purchases. Everywhere I try to use the card Amex declined the purchase not the vendors. So I feel as though Amex has taken my money and I get nothing in return

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 : # XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX : # XXXX. 

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 : States a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 168c. ( 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.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. XXXX attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors ; 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. I also received a corresponding physical letter from a debt collector, XXXX XXXX XXXX. According to XXXX this company does not have a license to collect ANY debt in the state of Texas. From this physical letter they sent to me, they are in violation of two laws. 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code XXXX - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; this is a violation of my rights. I am entitled to {$1000.00} per each violation I would also like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$1500.00} This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I have had this account opened for nearly a year with a credit limit of XXXX XXXX The company has failed to report my credit limit with this account to the Credit bureaus. Credit limit has been marked N/A. Which in turns affects my overall creit utilization rate, therefore giving me a lower credit score. I have paid for this service for XXXX  months now with the sole purpose of having my credit line report its true limit of XXXX XXXX The company needs to update my credit limit with all 3 bureaus immediately. Or I want my money back for this line of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my account without due cause. Capital One accepted my application which is a letter of credit that is treated as a receivable asset for Capital One. As the only original holder I have equitable interest in this account and Capital One is required to return the payments to me from my investment. Capital One has not yet paid any money due to me and closed the account. Since I can not benefit from my own asset I want the application closed and all security trading to cease. 

Capital One is also furnishing inaccurate information to XXXX to damage my reputation. I can not be late on an account that has equity and the interest should be applied to the balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have had my credit report used for promotional purposes by a person or institution whom did not have my permission to use my consumer report/credit report. As a result, there has been hard inquires added to my credit report without my authorization. These reported hard inquires do not belong to me and i have no association with these banks. 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 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 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 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 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 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A lot of hard inquiries was placed on my report without my consent, I tried multiple times to have equifax to resolve the issue but nothing has been done to fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried purchasing " online '' on XXXX, XXXX, XXXX, XXXX, XXXX, and it continues to get declined. Although, there is a full balance available. I thought it was a mistake. Purchased another Amx prepaid gift card and same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I had a loan with ONE MAIN FINANCIAL during the beginning of XXXX. 
I called to see what options I had and the XXXX had offered a refinance of the loan at a much higher payout with my XXXX XXXX XXXX ( at the time valued at {$2000.00} ) as collateral. 
I feel the offer was predatory ( due to the circumstances of COVID - furlough and not knowing status of job ) as I ended with a $ XXXX loan against a $ XXXX vehicle ( at best ). 

As well, I had added unemployment insurance when I renewed at an added cost. I was told this was to protect me if I should become unemployed and can not pay the loan it would be handled by the insurance. 

I have done the best I can to keep up with payments ( might have been late a couple of times ) and had recently lost my job in XX/XX/XXXX. When I contacted ONE MAIN I was told the process to access the insurance benefits which included documentation from the unemployment office as well as my bank. 

I have lately been denied my benefits and still have the large ( $ XXXX ) payments on no income. I have since moved back home with my family and assist in the care of my elderly mother and am not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
improper use of my credit report and no proper validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I review credit report and notice XXXX department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only 13 accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I review credit report and notice XXXX department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only 13 accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this 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 explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in XXXX days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other XXXX major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Online forums refer to this as the Equifax split file. 

Please help I am going on my third year doing this and I was hoping this could be fixed without taking more of a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After reading the XXXX article on CapitalOne with the subtitle - They Thought Their Money Was in High-Interest AccountsThey Got Paid Peanuts Capital One says its savings account pays 4.35 %, but not all customers are getting that - I figured out this same thing happened to be. When you go to their savings rates webpage even today, they dont even list the historical account type with the below market rate. Crazy. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
See notice of dispute sent to Navy Federal date XX/XX/XXXX and the received on the date of XX/XX/XXXX via certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the denial of my credit card application, which I submitted on XX/XX/XXXX. I believe the reasons for the denial violate the Equal Credit Opportunity Act ( ECO ), as outlined ni 15 U.S.C. 1691c. Additionally, Iam bringing ot your attention potential violations of U.S.C. 1681m and 12 CFR 1002 concerning fair credit reporting practices. 
According to the adverse action letter I received from your company, the stated reasons for the credit denial are as follows : XXXX Balance status of XXXX XXXX accounts XXXX Insufficient variety of secure loan accounts XXXX Number of credit card trades opened in the last 24 months XXXX Length of XXXX XXXX membership XXXX. Number of inquiries on the credit bureau report I contend that XXXX XXXX may be in violation of 51 U.S.C 1691, 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, as I applied in good faith, yet credit was not issued. None of the reasons for your adverse action against me fall within the scope of the law. 
Furthermore, I am concerned about potential fraudulent activity, as my social security number ( credit card ) was used without my benefit. This raises questions about the unauthorized use of my credit card information by XXXX XXXX. 
Irequest that Navy Federal Credit Union conduct athorough review ofmy credit card application and explain the factors leading ot the denial. I also ask for clarification on the alleged violations mentioned above. 
If XXXX XXXX fails to address this matter promptly and fails to compensate me for any damages incurred. I may be compelled to pursue both criminal and civil actions in accordance with 15 U.S.C. 1681n and 15 U.S.C. 1681o. Additionally, I reserve the right ot submit an invoice for any proven violations, with a proposed amount of {$1000.00} per violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Respected XXXX, This is again a misrepresentation by American Express about the financial relief program they offered. I paid the XXXX  installment on XXXX XXXX as per agreement. On XXXX XXXX they have sent another statement asking for XXXX installment payments. 

Previous case closed by them XXXX. This is an aggressive attempt by them to ask for more than what I agreed to pay XXXX XXXX as part of financial relief. 

I am attaching a statement I received from them. I request clarification from them about why they are asking for payment which is XXXX times of {$320.00} I agreed to pay XXXX XXXX and started the first payment on XXXX XXXX. 

This is a part of the case XXXX and XXXX in addition to family cases XXXX, XXXX. The people involved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other defendants in cases pending including various companies involved related to XXXX  and my family members may be associated with American Express in XXXX way or another. I request arbitration and proper guidance from American Express about what is due. I can afford only {$320.00} per XXXX. I will be able to make only that amount XXXX XXXX until I find another job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation