vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Venture X charges an annual fee of {$390.00} that can be offset annually with the {$300.00} Annual Travel Credit ( Receive up to {$300.00} back as statement credits for bookings through Capital One Travel, where youll get our best prices on thousands of options. ) and a {$100.00} Anniversary Bonus ( Get 10,000 bonus miles ( equal to {$100.00} towards travel ) every year, starting on your first anniversary. ) Capital One advertises You can use your travel rewards credit card to book any airline, anytime, anywhere with no seat restrictions or blackout dates ; however, does not offer and restricts flight options within Capital One travel. 

On XX/XX/2023, I attempted to book an airline flight through Capital One Travel ( American Airlines ). After discussing with a Capital One Travel agent on the phone, the flight options originally selected were no longer available ; however, reviewing XXXX XXXX website all flights on the trip were only half full. I proceeded to purchase the trip through XXXX XXXX instead of Capital One Travel on my Capital One Venture X Card ( You can confirm flight and seat availability through flight numbers and tickets purchased through Capital One Statement ). As this is the only trip that we will take this year, I expressed my concern with Capital One agents that I have paid an annual fee ; however, will not be able to offset the annual membership of {$390.00} because Capital One Travel restricted their airline options. I further expressed a concern that this is an Unfair and Deceptive Practice per their website advertisement and marketing materials. 

I requested to have my annual fee refunded of {$390.00} dollars ; however, was only offered a {$100.00} good will credit. Note, as of XX/XX/2023, the good will credit has still not been posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
See letter and report attached

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 2023-07-12 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've reached out to XXXX, XXXX and Equifax multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We've requested reward program details from the Citi Costco Anywhere Visa card multiple times. In response to a previous CFPB complaint, Citi responded with a form letter referring us to their website. In a recent chat session with Citi 's customer support, we requested a specific link to find details about the rewards program, including any exclusions. The agent stated, " there is no such link from the bank 's side okay. '' When further questioned aobut where to get program details, the agent continued to insist that Citi does not have the requested information and directed us to contact Costco. We recognize it is a partner program, but Citi is the card issuer and should provide program terms and conditions, including any reward program exclusions.

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 2023-07-12 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Attempts to collect on an alleged debt thats not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/2023 someone used my social security to open a XXXX credit card and used {$900.00} of the {$1000.00} credit limit in a city I never been too. I contact all credit unions and put a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CA

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. I saw these inquiries are on my credit report and they inaccurate 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I co-signed my son XXXX XXXX 's private student loan with Climb Credit, during XXXX we assume that Climb Credit loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted Climb via email with the pay to delete offer and I received response back from Climb Credit on XX/XX/2023 that account has been charged off to XXXX now. XXXX enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to Climb Credit to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact Climb Credit to remove negative reporting of credit bureau specially XXXX and I have not been able to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I closed my American Express ( AmEx ) Platinum card account earlier this year because American Express had failed to deliver on its promise to giving points for a stay at a luxury hotel even though they'd stated multiple times they would. I then later decided to reinstate my account to which they say I could not do that and had to start a full new application ( a process wherein they'd re-check my qualifications/credit from scratch again ) which I was a bit surprised about especially since I've been a member of AmEx in one or another for over 20 years. So I took the hit on my credit again during their re-application process and they stated at the time and repeatedly during follow up conversations with their agents on the phone that because this was a new application that I'd get new membership welcome reward points if I spend a certain amount by a certain date. I got accepted for a new card and proceeded to spend as much as possible on my card ( and was checking periodically along the way with AmEx agents who kept on confirming that I was closer and closer to the goal of getting my welcome reward points ). After reaching the target for getting the signing bonus points, XXXX changed their mind and stated that the signing points bonus were now supposedly only meant for 'brand new ' applicants which they had never never talked about before! I found that reversal both sad, disturbing, and frankly dishonest, especially because multiple AmEx agents had confirmed I'd get those points if I kept on spending and reaching the stated goal. Please also note that my new card does not have the same number as the old one I had so for all intent and purposes I'm a new applicant even from their perspective! As you can tell by my story it's the second time AmEx does not fulfill its part of the deal for a card that's marketed primarily as a reward-type card and for which I pay over {$690.00} a year in membership fee!! Additionally, when I closed my prior card/account I never got the points that were left on that old account but for some reason they don't consider these old points mine and didn't give them back when I open a new card -even though they pretend that I'm not a 'new " applicant. Quite contradictory as you can tell. Thanks in advance for your help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've reached out to XXXX, Transunion and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've reached out to Experian, XXXX and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.

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 2023-07-12 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, 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.

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Attorney General 's Office CC : 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 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP.
State: SC

Complaint narrative:
On XX/XX/XXXX, I purchased {$1400.00} worth of Bitcoin ( XXXX BTC ) using the cryptocurrency exchange CEX.10 ( Order No. XXXX ). At the time, Bitcoin 's price was {$14000.00} USD per coin. On XX/XX/XXXX, I sold my Bitcoin which had risen slightly and had {$1700.00} USD in my account. On XX/XX/XXXX, I used my {$1700.00} to purchase Bitcoin again because the price had dropped considerably ( Order No. XXXX ). On this day, Bitcoin 's price was {$3800.00} USD which gave me XXXX Bitcoin. In XX/XX/XXXX Bitcoin had risen to {$64000.00} and I decided to sell my Bitcoin which was valued at {$26000.00}. Previously, I was told by CEX.10 that my only way to withdraw my funds would be to open an off-shore bank account because sending funds to my XXXX XXXX via wire transfer was not an option at that time. By XXXX of XXXX, CEX.10 had made it possible for US citizens to sell Bitcoin and I attempted to do just that without any success. I have been trying to sell or transfer my Bitcoin to a wallet ; however, when I attempt to sell my Bitcoin, I receive the following message " We're not there yet but might be coming soon! Unfortunately, were not providing our service in your country yet. "! What? CEX.10 has as of today 's Bitcoin rate {$12000.00} of my money they refuse to return to me. I have been in contact with their CSR, and have an email from a CSR named XXXX informing that I absolutely CAN sell my Bitcoin and withdraw my USD to my XXXX XXXX account and he provides details and a link ; however, when I follow the link or log into my account through their website via my desktop, I can not find anything regarding my XXXX Bitcoin or any way to sell or withdraw my funds. I do have access to my account via their App ; however, I am not given any SELL option. I can not perform any type of withdraw of my funds or my Bitcoin. I have been very patient, but this company has clearly stolen my money. CEX.10 was registered with the SC Secretary of State 's Office as a Corporation in XXXX, but the status now shows a status of forfeited with a date of dissolution XX/XX/XXXX. I want my XXXX Bitcoin returned to me OR the value of my Bitcoin in USD which as of today is {$12000.00}. CEX.10 previously offered itself as FDIC Insured on their website and in other online communications. I am now aware this was untrue.

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 2023-07-12 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: MN

Complaint narrative:
Transunion claims to have verified as accurate a bankruptcy record - case # XXXX despite having been sent the attached letter directly from the bankruptcy court showing that the court does not have such a record under my name, DOB or SSN. Transunion continues to report this record on my consumer report in violation of the FCRA. Notable, XXXX and XXXX have acted promptly in removing this account from my consumer files. I have requested certified court records reviewed by Transunion or the names and phone numbers of the specific individuals whom it claims to have verified the records and Transunion has failed to do so.

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 2023-07-12 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: AK

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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:
Greetings, I sent out a personal information letter to Equifax on XX/XX/2023. The letter gives my correct address and correct name. I also requested that any other names, addresses and employment information be removed from my consumer report.

I also stated 15 USC 1681 ( a ) ( 4 ) in reference to a consumers right to privacy as well.

It has been over 30 days since I've sent the letter and a new credit report was furnished by Equifax. The report was still not accurate and incorrect addresses are still being shown on my report. 

I sent a second letter on XX/XX/2023 to request for second time to ask that the incorrect addresses be removed. 
I also sent and arbitration Opt-Out letter as well on XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: OH

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I sent a certified mail of debt validation letter ( XXXX ) to the address listed on the XXXX XXXX app and it was returned. Company failed to provide all information needed to validate debt. I did not authorize my personal information to be sold to a collection agency.

Company response to consumer: Closed with explanation