vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 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 an 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 2023-04-21 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 following accounts have violated my rights : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: TN

Complaint narrative:
I emailed First Credit Services two separate times requesting a statement of the debt owed and did not receive a reply. I called and requested that I be provided with a link to pay the debt as well as a statement. The person on the phone, who indicated they were a supervisor, continued to insist that i take care of the debt on the phone with him. He refused to take my email address and continued to request why I wouldn't pay the debt with him on the phone. He badgered me about needing to know why I wouldn't handle the debt over the phone with him, not having a statement. When I told him I didn't have to provide any reasons for requesting a solution via email. He was quite aggressive and unwilling to take my email address, insistent that I provide reasoning. 
I am entitled to a statement and to handle the collection of the debt in the manner that I prefer. This particular " supervisor '' was aggressive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
I have now spent two weeks trying to set up transfers between Bank of America and XXXX. I am a gold preferred client with BofA and have been their customer for 27 years. The problem ( admitted by one of the Bank of America XXXX ) is/was from BofA 's side. I have tried their website ( many attempts ), emailed, called, and gone to the local branch. At first they blocked my account for a week and a half. While the block has been removed, I still can not set up this transfer. I tried doing it, somewhat successfully, from XXXX 's side ( took a minute ) but this did not seem fully recognized by BofA ( stated it was inactive ). Today BofA 's rep had me delete this from my account, and had me go through exactly the same steps as I had before, with exactly the same results. Except the link I had established is now gone, as well as another half hour of my time ( I estimate time lost to be 5 and 1/2 hours at this point ). BofA continues to try to blame 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 2023-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-21 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Account was in dispute and Bread Financial incorrectly states the account is 90 days past due. 
Per Bread financials credit card agreement " we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. '' Bread Financial has erroneously and willfully reported false information to the credit bureaus Bread Financial has willfully violated the FCRA and refuses to correct the issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 
In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX , Account Name : XXXX XXXX XXXX Account Number : XXXX, Collection Account : XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy. 
15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My XXXX XXXX account was compromised. The person that gained illegal access to my account purchased several games using the stored debit card information on the XXXX XXXX account. The four fraudulent transactions are listed below along with the dates they were posted to my bank account : XX/XX/2023 : {$74.00} XX/XX/2023 : {$29.00} XX/XX/2023 : {$74.00} XX/XX/2023 : {$63.00} I reached out to XXXX to have the charges refunded and to recover my account. I was able to recover my account, and was refunded for 3 out of the 4 transactions. However, XXXX refused to refund the 4th transaction, {$74.00}, claiming " Company policy does not allow refunds on games that were already downloaded ''. Since the person who fraudulently used my debit card had already downloaded the game, XXXX refused to refund me. 

I filed a dispute with my bank, PNC, and waited to hear back. An agent with PNC informed me that the dispute was denied. I asked for the reason and was told " You were already refunded by the vendor. '' This is not true. PNC is likely confused as to the total number of fraudulent transactions. I only disputed one transaction with PNC, {$74.00}, as the other XXXX transactions were already refunded by the vendor, XXXX XXXX. 

To summarize : 4 fraudulent transactions were made using my stored debit card information on my XXXX XXXX account. The vendor, XXXX XXXX, refunded 3 of the 4 transactions, but refused to refund the 4th. I filed a dispute with my bank, PNC, for the 4th transaction, but was denied. The disputed amount is {$74.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: GA

Complaint narrative:
On XX/XX/2023 I reached out to glass mountain capital to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Long story short, I deposited a cashier 's check for {$10000.00} into my 5/3rd checking account, which did have existing funds deposited and available prior to this deposit, on XX/XX/2023. I did so in person at the local branch and was told by the cashier that the funds would be available the next day. That should have been the first red flag because I've never heard of a hold being placed on a cashier 's check from a major national bank, but as a consumer you tend to believe what the bank agents tell you. Today is XX/XX/2023 and the funds are still not available to me, despite the fact I was specifically told, in writing ( boom ), that they would be available on this date in the morning by the bank 's representative. More so, the customer service, if you can call it that, has issued many reasons for there being a hold on the deposit, all which I have in writing and can't wait to submit. These include, " it's for my own protection to avoid overdraft fees '', " unable to verify the fund 's availability in the initial processing with the check issuer 's bank ''. I'd like to point out again that it is a cashier 's check from XXXX XXXX so the check issuer and the check issuer 's bank are one in the same. They even went as far to suggest that the check could be a fraud and the funds again have to be verified, hence the hold. When I asked why they couldn't simply call XXXX XXXX  since they have the check number, date issued, amount, and payees, they told me " customer service can not make phone calls ''. 

I'm just going to attach a bunch of screenshots that show everything in writing and prove that this was gross misconduct on behalf of 5/3rd bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : BA creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B XXXX XXXX creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent Recovery has violated my consumer right by contining reporting inaccurate information to the credit bureaus. This accouhnt has been removed off my credit file numoerous of time but they keep re inserting information back on my credit acting as it is a new debt. I have asked this compant to remove the negative information that is damaging my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a checking and saving account at Bank of America ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/2023 and I deposited {$100.00}. 
On XX/XX/2023 I have issued a wire transfer of XXXX euro from my Italian bank account ( XXXXXXXX XXXX XXXX to my Bank of America checking account. 
On XX/XX/2023 I tried to access the banking center but I was not able to access. I called the customer service and all the support numbers but they told me to call back on Monday, XXXX when the offices would be open. 
On XX/XX/XXXX I called the customer service number of BofA and they told me that the bank had taken the decision to close my account giving me no explanations and that the expected closure date was the XX/XX/XXXX. The bank would have issued a check with all the money I had in the bank account and I would have had to call back on XX/XX/XXXX to get the tracking number of the check shipment. 
I called on XX/XX/XXXX and they told me that the closure date had moved to XX/XX/XXXX, then to XX/XX/XXXX and today the new account closure date is the XX/XX/XXXX. I even talked to a supervisor but the situation hasn't been solved yet. They keep moving the closure date and I am not able to get my money back until the account is closed.

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 2023-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
I have been paying the Oklahoma Student Loan Authority for my Federal Stafford Loans since XXXX after making over 10 years of payments I realized that none of my payments were going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford Loans actually were and how the payments were only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared. I was unable to negotiate a resolution with the Oklahoma Student Loan Authority and they advised me that my only option to lock in my monthly payments was to refinance with the Department of Education and move my loans which essentially makes me start all over again. Had this information been explained to me I would not have taken out the Stafford Loans or agreed to any kind of interest only payments. It is very deceitful to take students who don't know much about student loans and not give them vital information related to repayment. I have seen many other students online talking about predatory student Stafford loans especially since Stafford loan payments were not suspended during COVID and only when I move my loans to the department of education did I get any kind of COVID relief and the ability to lock in my monthly payment amount to guarantee that my interest would finally be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: OH

Complaint narrative:
XXXX XXXX attempted to collect wrong debt and fees on my account the bill is XXXX this is wrong I want to dispute this of my credit report and debt because this is wrong amount I tried calling them no answer to pay half

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation