vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-10 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: IN

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  ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-10 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 Account ( XXXX ), XXXX account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, violates 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 : 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 explanation
Consumer complaint received 2023-05-10 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I checked my XXXX credit file and found several inaccurate files. My personal information was shared illegally without my knowledge or permission. I maintain the right to privacy and do not wish for my personal information to be shared by any organization without my permission. My right to privacy according to the Fair Credit Reporting act was clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I sent a certified letter to TransUnion asking them to DELETE various items and incorrect information reporting on my consumer file. On XX/XX/2023, instead of receiving the status of their investigation, I received a letter stating that they were not processing my dispute because they believe I am working with a Credit Repair Company. With the original dispute letter I sent to TransUnion, I attached a copy of my current Driver 's license along with a Utiity billl confirming an address. I have attached a copy of the original dispute I sent TransUnion along with the " Stall Letter '' that I received from TransUnion. I initially pointed out to TransUnion that their were inquiries into my credit file without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. Pursuant to FCRA 623 ( b ) ( 1 ), FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: CL Holdings LLC
State: FL

Complaint narrative:
this is violation of code 15 u.s. code 1681i removal of inaccurate/invalidated credit information please remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Blackhawk Network Holdings Inc.
State: ID

Complaint narrative:
User for years with XXXX XXXX. Received from work XXXX XXXX. No issues until now. This run around & getting poor resolution is unfair & unacceptable. Had {$130.00} bal for over a year. Used card for purch in XXXX it declined. Purchase was {$40.00}. They said no issues on their side but couldve been issue on merchants side. Seemed possible didnt try again & kept saving. Work gave points in XXXX. My bal was {$35.00}. Called to find out how to fix it. Told go to website. I couldnt. Found out theres no profile for me anymore. Was told last 2 transactions. I had a fraud charge {$99.00}. Told try review text alerts of purchase. Explained I never received any alert if I had this wouldve been handled right then. Asked how & when did my profile get erased. They couldnt tell me. They finally understood with no profile there's nothing going to be sent. I wouldnt know of a problem. They said wait for email 24-48 hrs they would have a resolution. Was told get a new card since mine was compromised. Called company several times in two weeks still no email. They would escalate again. Just received new card had to register new profile which now works. Checked new cards bal hoping to see orig {$130.00} & nope its only {$20.00}. Old bal was {$35.00}. They charged a {$15.00} replace fee. Just got email saying sorry but charge was over 60 days old theres nothing they will do to reverse fraud charge. Called to escalate got same thing. Was told with new card I can start over. Tried getting my company to help asked if they could help with reimbursing {$99.00} charge since work is a finance bank & they offer card to employees. They said sorry we just use this company go back to them. Blackhawk wont help. They didnt help in XXXX when all this could have been avoided. Just found out fraud charge was reason orig purchase didnt go through. This company dont care about their users and making things right. They just want to charge you fees & take your money. They are thieves. If you are lucky enough to get a response from the company its just a generic auto response. They do not fix any of the issues. I will also be filing a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: TN

Complaint narrative:
Hello, my name is XXXX XXXX, and I would like to formally file a complaint against Plaza Services for breach of contract with all of their clients. 

On XX/XX/2023, I initiated arbitration proceedings against Plaza Services through the XXXX XXXX XXXX ( XXXX ). The case number for my complaint is XXXX. 

XXXX has reported that Plaza Services has failed to comply with the established rules and has a history of not paying the costs of arbitration. 

I have attached a copy of the correspondence I received as proof of my allegations. 

Unfortunately, I have been adversely affected by this situation and am currently experiencing several negative consequences that are impacting both my personal and financial well-being. These consequences include difficulties in obtaining approval for a home, a significant waste of valuable time, increased XXXX  and XXXX, and marital issues arising from my inability to refinance my existing home and purchase a new one for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I file a dispute 2 months ago to bank of america for fraud. Even ask for a reconsideration. I've send supporting documents and still haven't been able to get reburist for my funds. I've call everyday and been getting the same answer still pending. I was in XXXX and someone use my funds. They are giving me the run around and I'm about to lose my house over lack of funds and that not cool.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX open on XX/XX/2020 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX open on XX/XX/2020 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
I have been a customer of Wells Fargo 14+ years and I notice that I was being charged an extra atm fee when I'm not using an atm that's affiliated with Wells Fargo , I addressed them with this issue and was told that they will refund me the full amount which happened to be in the XXXX dollars or so, this was around XXXX or XXXX, and ive been a customer well over ten years at that time. My app won't allow me to see that far back. I was only aware of this due to an app called XXXX and that helped me address the bank about this issue.

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 2023-05-10 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:
I have disputed a report with Experian 3 times. Along with email from the creditor of the correct balance. As of XX/XX/2023 they will not update the correct information.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid. 
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help.

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