vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: SC

Complaint narrative:
My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I ask my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I felt sick and I was unable to use the card ; I called the bank asking for help and they couldnt advising to do a payment plan, but I declined to do a payment plan. Unfortunately, the representative put me in a payment plan without my authorization. I emailed them complaining to take me out of the payment plan and they responded after some days that they will do it, now I needed to use the card To buy medicine and the card still locked. I called an they say that I will receive an email. 
I dont know what to do anymore Im in a hard ship situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone else is using all my personal information and all my finances, benefits and bank account

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 2022-11-20 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
So Im trying to figure out why my account got frozen. On Friday the XXXX I went to go pull out money from my account and a banker blocked my account an hour after I left from the branch asumming that my identification was a counterfeit ID So later that evening I returned back to the bank with two forms of identification and they told me that they couldnt unblock it because my account was getting reviewed even though I showed up to with 2 forms of identification. That confirms all my information tied up to my account What Im not understanding is how they thought it was a fake id all of a sudden when its the same exact id I used when I went to get my temporary card on XXXX at the same exact branch. They even helped me set up my online banking there I cant go in to show my ID now due to me being on bed rest due to me having COVID. 
What Im not understanding is that why they put a block on my card after I exited the bank and got back home. From my understanding is that they have to follow a certain procedure when you put a block on someones account as well as when I showed up later that day with my id The branch offficer who put a freeze was XXXX at us bank in XXXX XXXX on XXXX  XXXX Later that day I had realized that they had pulled a credit report without my consent even tho my account was frozen Im certainly unhappy with this whole situation that is going on so I would like so speak to the branch officer named XXXX that put a hold on my account .I honestly dont want to go to the extreme measures of getting my attorney involved unless needed that being said I would like for you to contact me on Monday once she gets in to the bank if I dont receive a call by the end of the day. I will be speaking to my attorney and will be letting him take over this whole 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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
I realized this inaccuracy on XXXX Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following. 

I have called this company several times throughout this year and asked for the suspension on this account to be removed. However, I am being told over the phone, that Discover checks my Consumer Report every month. Yet, Im being denied a credit increase and Suspension removal. Discover Financial Services is also reporting to third party companies my private credit transaction information. I mailed a letter on XX/XX/ and have received no response. As a result, I have been denied mortgage loans and Auto Loans. 

According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I would like to inform that I NEVER gave consent to this report being furnished on my behalf and I am also aware of the fact that Discover Bank XXXX Discover Financial Services assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

Therefore, this company has not only infringed my right to privacy but also denied me an extension of credit, reported in accurate information and violated multiple FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have an old credit card with Capital One Bank - I use it intermittently, with the balance being paid regularly. 
requested an increase for a credit limit in XX/XX/2022, and received the following rational for refusal of a credit increase " Recent use of this account 's existing credit line has been too low '' I followed up in XX/XX/2022, after taking advantage of their offer to transfer a loan from another bank for XXXX interest for a limited time. 
This time the denial was very interesting. 
" Your average monthly payment has been too low '' " Recent payments on this account have been too low '' Given that their offer for a XXXX interest rate transfer does not require more than a minimum payment until the due date, their response was as expected. 
Capital One bank is violating Federal law by discriminating against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
I, XXXX XXXX has been fighting this frivolous supposedly debt for XXXX over 3 years now. First, I was going back and forth with Diversified ConsultantsXXXX but they could not verify the erroneous information that was being reported to my credit reports, so XXXX, XXXX and XXXX XXXX removed the debt from all three reports. Diversified Consultants were harassing me sending computer printed statements, but nothing ever indicating that I was legally responsible for the debt. Next, a few months later, Diversified Adjustments Service INC inserted the debt back on my reports illegally, with no notice or anything indicating on physically verifying validation of the debt. I called and called both collection firms and I was getting conflicting stories about the erroneous debt, which does not belong to me legally. So I reached back out, contacted the credit agencies first class mail, along with Diversified Adjustments. I sent first class with a return receipt which showed that " XXXX XXXX '' with Diversified signed for the letter on XX/XX/2021 ( evidence at hand ). I still didn't receive any legal documents or relevant information expressing debt is mine, there is NO LAWFUL STANDING 15 U.S Code 1692i ( b ). So XXXX and XXXX XXXX went on to delete this debt again, but XXXX has not and still showing negatively on my credit reports, although there still has not been any proof presented. Granted, this issue has been a nightmare and I am turning to CFPB to help me with this dilemma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-20 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused sever XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX on : XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I set up an autopayment on my AMEX account this morning for {$1600.00} each month. The payment is due XXXX XXXX. Today is XX/XX/XXXX and I've already made a payment on XX/XX/XXXX ( {$2700.00} ) which is still processing. Typically, one can not start an autopay for the current month this close to the due date. Knowing this, I assumed the autopay would start in XXXX which is what I want. The next screen stated that my autopayment would be processed today! I can't afford to make two payments in one month. So, I looked for the edit payment or delete payment button. There is no option to edit one 's payment or even to delete the payment. All I could think is that I don't have the money to pay my other bills and make two payments to AMEX! Plus, I still need to buy food for XXXX. I called AMEX. I was told that the payment can not be canceled. I would need to wait until it has posted and then request a credit to my bank account. I don't have that kind of money to do this. I called a second time, thinking I'll just delete my first payment since that hasn't posted yet. I was told that the first payment can't be stopped either! I would have to wait for the money to be taken from my bank account and then call AMEX to request an electronic refund which allegedly would take two days which means it won't hit my account until after XXXX. Maybe that wouldn't be a problem except that I still need to buy food for XXXX -- which isn't cheap. 

I am very angry that I was not given the ability to edit my payment or delete my payment by American Express. No other credit card/bank does business this way. I would not have this problem otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX, I have been using Square to process payment for my business and Square stole my funds. My email address with Square is XXXX My funds of {$5200.00} was stolen by Square customer service from XXXX. 

I received email from Square that my funds was available for withdrawal and immediately I received email that someone from XXXX has logged into my account from a device from XXXX hence my funds just disappeared and funds were sent to a bank account not owned by me. 

I sent email to Square immediately about this incident letting them know that I have been hacked and Square didn't respond. This means that the hacker is from Square. 

I have sent several emails to Square support to rectify this issue but they have not gotten in touch with me. I believe that someone from Square logged into my account on XX/XX/2022 to steal my funds and I need my funds back because I have tried to resolve this issue with Square but to no avail. 

I spoke with Square customer support team four times on the Phone about this issue and I was told that I would be refunded. 

On Sunday XX/XX/2022, I got another email from Square that my account has been accessed from XXXX again and that my password has been changed. 

I spoke with Square again and reported this incident but they have not returned my money. 

I need all the funds stolen from my account back. 

I will attach screenshot of email stating that my account was accessed from XXXX. 

I am in the USA, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Good Day, Thank you very much for allowing me to register this complaint with the CFPB on my behalf regarding the debt collection company Ability Recovery Services , LLC. This company has repeatedly sent me a copy of a contract agreement that does not contain any agreement to pay XXXX, XXXX for an alleged debt. 

I have requested that they forward me a signed contract, by me, to pay XXXX, XXXX and they have refused to do so. Additionally, I have asked for proof that this company is authorized and licensed to operate in my state to attempt to collect this alleged debt. 

I have requested to receive information regarding how they obtained my personal information without my signature to provide permission to obtain my personal data, which they have ignored as well. 

I have informed XXXX, XXXX that without proper VALIDATION, which has not been provided regarding this matter, they must stop all of their illegal attempts to contact me via email, mail, or phone and discontinue reporting this alleged debt to the credit bureaus immediately because they are committing a violation of my privacy rights and they are engaging in character XXXX. 

Thank you for your assistance in 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following inquiries XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc.
State: IL

Complaint narrative:
Data Mortgage Inc XXXX XXXX  continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the two confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022 in preparation of changing my phone number In my Chime App I sent myself {$190.00} using my alternate phone number ( XXXX ). I understand my money transfer is non refundable in the case of money being transferred to the wrong recipient. I snapped a screenshot of my receipt which confirmed I transferred money to my phone number ( XXXX ). 

The next day I had not received my money. When I checked the my transfer history which displayed My transfer went to XXXX XXXX The person who owned my number before me. 

The next step I took was I requested {$190.00} from XXXX XXXX XXXX please send it back. My request was received on My phone ( XXXX ). 

I started a dispute and received the instructions for providing documents to proceed changing my phone number in my account. Shortly after I received a confirmation that my number was changed to my current number ( XXXX ). 

The following days I expected to receive a credit to my account because It is clear that all of the transactions were done using the ( XXXX ) phone however I didnt see anything my claim was denied. 
I then had my claim reopened I sent pictures that time but the very next day my claim was denied Chime wont put me in contact with investigators or anyone else with authority. I am XXXX. Im on a fixed income and my storage app likes. My bills are late based on this whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Claim numbers XXXX also XXXX I did not authorize theses transactions I contact XXXX XXXX they told me XXXX XXXX made theses transactions I contacted wells fargo they told me the case is close I want theses two case to open back up I did not make none of theses transactions on both of theses claims.

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