vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on Wednesday fed XXXX I deposited {$840.00} into a Bank of America atm and the atm did not deposit my cash or return it. I contacted Bank of America the next morning and was told I would receive my funds within XXXX XXXX hours. I still have not gotten any of my money and when I contacted Bank of America again they now said I won't be credited my money for up to 45 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I have an Avant Credit card and I have auto payment for {$67.00} per month. In XX/XX/XXXX I paid and extra amount of {$47.00} on XXXX XXXX and my bill was not due yet and did not have a payment schedule of {$220.00} at that time. On XXXX XXXX, XXXX they took {$220.00} out of my check account that I did not authorize them to do because my monthly payment is {$67.00} per month. I did not get a text, email, statement in mail stating they will take {$220.00} out of my account which left me in - {$420.00} in my checking account. I did call them on XX/XX/XXXX and I was on hold for 4 hours. I called back on XXXX/XXXX/XXXX and the recording said they were having technically difficulties in their system. I called back XXXX/XXXX/XXXX and spoke to some one and I ask them if I have you an extra {$47.00} I would not have a balance schedule payment of {$220.00}!! they should of subtract that amount from the {$220.00} and it would of been a lesser amount and they did not have my permission to take out {$220.00} of my check account. my next schedule payment is dated XX/XX/XXXX of {$67.00} so where did they get {$220.00} from. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
In touch XXXX XXXX  damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
In touch credit union damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch credit union on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true

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 2023-02-21 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: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Because of the illegal reporting of these accounts I am unable to purchase a home for myself and my daughter.

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 2023-02-21 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:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX 3 ) XXXX XXXX  Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXX & XXXX XXXX Account # 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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Alliance Financial, LLC
State: NY

Complaint narrative:
XXXX XXXX closed account still on my report Also missed payments and there are old addresses on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
I was harmed on both XX/XX/XXXX & XX/XX/XXXX as a result of the company Cashapp in any order and or variation of the words posted, acknowledged and or accepted the transaction ( s ) and held my cash pending for days. At times when someone I owed came to collect some of there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I could not remove myself from the situation because my life was being threatened by my body because the company Cashapp not immediately returning the cash to the account. 
Whether the companys app relayed that the transaction ( s ) is or are of NOT ENOUGH CASH ( Declined ), Voided or Canceled I shouldve been able to a ( void ) the conflicts and the injuries they incurred because of the cashs absence. 

Does the company Cashapp deny that they in any order and or variation posted, acknowledged, and or accepted the cash available that enabled the merchant to have to be one to cancel a or the transaction ( s )?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
They sued me for the debt. I hired an attorney. When we went to court. The debt collector never showed up because they had no proof that it was mine. The judge ruled in my favor that the debt is not owed. It's been over a year now and they still will not remove it from my credit report. I have disputed it through the agencies multiple times and some how they still are allowed to keep it there. The creditor is LVNV Funding. The amount is {$2900.00}. I'm tired of fighting this after this has been settled in court already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The XXXX of XXXX I received a letter from Bank of America dated on XXXX XXXX, with reference number XXXX, asking me to call at XXXX XXXX XXXX to verify that I submitted a credit card application. 
They explained to me that the Credit Card Application includes my personal information which they used to run a credit report. I noticed that the letter is not Signed for any customer service Representative. However, I called and the person on the phone asked me for my SSN and DOB that I denied to her. I just explained to her that I never applied for a credit card to Bank of America. 
Later I went to check my XXXX credit report and I found out that I had a Hard Inquire on my record. I just want this hard inquire to be removed from my record, because this situation affects any transaction I need to do later about refinance or credit needed.

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 2023-02-21 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
on XX/XX/XXXX I received an email from Target saying that they welcomed me to the store and for joining them. I never signed up for Target services. Then I received another email saying congratulations you have been approved for a credit card _ XXXX XXXX with Target thru TD Bank. I never applied for a Target credit card. 
I contacted Target immediately once I found out on XX/XX/XXXX and reported the identity theft to them. I also contacted TD Bank to file the identity theft and requested the cancellation of the card and to issue a credit fraud alert to all credit bureaus. As of today, I have not received communication from Target or TD Bank. I already placed a freeze on all credit reports. I am also in the process of providing required information to the police to support this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I received two debt collection invoices in the mail. I tried contacting the debt collector and they referred me to the company, XXXX XXXX, who services utilities in Texas. When I called, they located the two outstanding debts and another account that was opened today in my maiden name. I asked the agent how they were able to open my account and she stated that these people have my social security number. 
I asked the agent what else they provided because according to there website they need to provide other proof of identity. The agent stated that she doesn't know how people are fraudulently opening accounts with just my social security number. The agent then asked me to open a claim with the FTC and to file police reports. Once I have them, send them to the company for review. 
1. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX in the amount of XXXX XXXX. XXXX XXXX account that was opened today and doesn't have an amount owed yet. 

These debt collections have affected my credit score. I have FROZEN my accounts with the credit reporting agencies, and I've frozen all my accounts. 

Please advise what to do next, this isn't the first time. I had to deal with this in XXXX of last year, I don't know what else to do in freezing my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-21 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:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. 

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX XXXX # XXXX 2 ) Bank XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXXXXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX  Account # XXXX 13 ) XXXX XXXXXXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXXXXXX XXXX XXXX XXXX Account # 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 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I updated my banking account information on XX/XX/2023, prior to making the full payment amount due of {$59.00}. Also On XX/XX/XXXX I received an email correspondence that my payment information had been received. However, Kohls system did not update my payment information and instead maintained the old bank account which had been closed. Therefore, my payment was reversed without my knowledge. Once I received the new statement showing that my payment had been reversed, and there was a late payment And a reporting of a late payment on my credit bureau reports. I immediately notified Kohls and spoke with web support who apologized for the error, and that it would be corrected on my credit report as it was a glitch in the system that did not complete the updated information. Web support investigated the issue and advised that they would ensure that my credit report late payment reporting would be removed and that has not been done even though I have Accessed the system again today updated my banking information again, and ensured that the new account information was accepted and finalized

Company response to consumer: Closed with monetary relief