vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NM

Complaint narrative:
USBank credit card over charged me on XX/XX/2022 above {$6000.00} for a Minimum Payment. This is Outrageous. I contact them and they wrote me that they could not lower. 
How in Earth a minimum payment its over {$6000.00}? 
I can not afford. I paid over {$3000.00} and asked them to make it reasonable. They raised the amount Without Any Notice Any Communication. 
Is this Right? They can do that? Raise an unbearable price? With No notifications so ever? 
How they could work to make reasonable for us to pay. Would that be possible? Please I am looking for a reasonable minimum payment that would not be this Outrageous {$6000.00} what is this? And no communication with customer to advise that they would cut your throat on XXXX? 
I am trying to pay my bill but they made impossible. 
Could they made possible. 
Also they charged me a fee on top of the {$6000.00} Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}

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 2022-05-31 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX Equifax : XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Department Of EducationXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; Experian : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}

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 2022-05-31 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

Transunion : XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department Of EducationXXXX Account XXXX XXXX XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received an email from coinbase.com saying that my account is being closed and I need to remove my funds from the account before it is closed. 

Coinbase.com offers a staking opportunity where a consumer can invest in an upcoming cryptocurrency called XXXX XXXX or XXXX. These funds are locked in the staking opportunity until XXXX launches and I have staked two XXXX coins which is roughly {$4000.00} USD. 

There is no way for me to remove the XXXX funds from my account and they must be converted into XXXX or XXXX  before I can remove them from the account. 

I emailed customer support about this issue and on XX/XX/2022 I got a response from coinbase.com support saying they would convert my XXXX holdings to XXXX  so that I could move the funds from my account. Converting a cryptocurrency is something that could be completed within an hour but its been over 5 days now Ive emailed, called, reached out on XXXX and reached out on XXXX to the support teams and I just kept getting told they are working on it but Ive seen no progress. 

Im concerned coinbase.com is going to close my account without giving me the opportunity to remove the {$4000.00} off the account. 

I received absolutely no warning about account closer or anything indicating this was potentially going to happen. I just got an email one day my account was closed. And they told me to remove my funds but Im not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2022-05-31 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} Equifax : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2022. While I was on Chase credit cards website trying to log in to set up or update my security features. I have 3 email come through at same time stated that there was a new inquiry. And the inquiry stars from Jpmcb. I was not trying to acess any records at that time. I immediately looked to who I should contact but the office is currently closed. And I also reached out to the branch of company on XXXX about. Which she couldnt do anything. So. Now I have another inquiry as i am trying to clear it up. So please reach out to them as I will tomorrow. Thank you so much. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I was having consistence Health Issues, which, as a result my Account ended up in Collection, After I got myself together in XXXX I decided to resolve the problem with the Credit Company. 
I pick up my phone and call them and trying to come up with a solution to work with The Debt was Originally {$890.00} We come up with a Settlement Agreement that I will Pay {$500.00} to get the Account Removed from my Credit Reports, and as agree I make the payment of {$500.00} on XX/XX/XXXX But then I got a call back on XX/XX/XXXX saying that their was a mistake on the process and the only way to get the Account Removed is by paying the full Amounts Debt After I listen to what they have to say Then I go ahead and pay the Remaining Balance which is {$390.00} on XX/XX/XXXX After waiting Two ( 2 ) Months for the result and what I got was an Update Report Since then I been treating Unfairly for Two ( 2 ) Consecutive Years. 

I call the Company Constantly to Resolve the Issue, sometime they hang up on me and when I do get somebody on the line they treating me like I am some kind of Villain I feel like I'm being Discriminate by them All I ask from them is that they do their part and Remove the Account on my Credit Reports and not take advantage of me.

I am getting hurt, my Credit Score is hurting because of that Account I can't get Approve for a Good  Credit Card, I can't get any Financial Aid because when a lender look at my Credit Profile they said I have a Delinquent Account on my Credit File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts XXXX XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: PA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : Experian XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}

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 2022-05-31 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: PA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} TransUnion XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}

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 non-monetary relief