vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I received an email about a application opened XX/XX/2022 in my name that has hit my credit report. It says it is from Synchrony Bank/JC Penny XXXX I tried calling and got ahold of Synchrony and told them this wasn't me and it was fraud and they needed to fix it. They took my information and said they would look into it. I received a letter in the mail Dated XX/XX/2022 saying that they looked into it and that " the information supplied at the time of application matches the credit Bureau file that was accessed during the application process and that since the information matched, they were unable to do anything about it. 
I called back as soon as I got the letter and told them again that it wasn't me that filled out the application and that it was fraud. I finally got ahold of someone that could look up information. She said they see the app and that it has my social security number and date of birth but my address and phone number was wrong. I asked for information about the application but they wouldn't give me anything.

The lady said that the application was processed but was denied for some reason but it did hit my credit report. I asked her how it was denied when I have two emails saying things like " Thank you for being a Synchrony Home Credit cardholder '', " Promotional financing '', " your card is now accepted at thousands of locations nationwide '', " Credit is extended to you by Synchrony Bank ''. 
I'm having a hard time understanding how the application was denied while saying things like the above!? 
They wouldn't provide me an account number or any information regarding the app. 
I take my credit seriously and I want this fixed but unfortunelty Synchrony doesn't seem to care to much. 
I have received XXXX emails now about this account I supposedly have. 
Please help me Thanks I have been sent emails and letters from Synchrony Home Synchrony Financial Synchrony/ JC Penny 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 non-monetary relief
Consumer complaint received 2022-10-20 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: MD

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : DXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-20 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: NY

Complaint narrative:
Hi, Ive been a victim of fraud and over {$50000.00} was stolen from my bank. The bank denied my claim and closed my account. The name of the bank is Bank of America. This is going to severely affect me as Ive done nothing wrong. Please help as Im out of luck. This was all my savings

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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I will continue to file complaints to the CFPB until my complaint is resolved. 
Submitting an answer back to the CFPB of we received your complaint, Thank you. Shows how very unprofessional this company truly is. 

So again, I will continue filing complaints at this point forward not only to the CFPB, but now to the XXXX and state attorney generals office until this debt is removed off my credit report for failure to validate this debt as requested several times. Clearly you are violating the FDCPA laws. 


This past August I filed a complaint with the CFPB against Pro collect. I have never at any time received a representation letter from this company, a bill in the mail and furthermore, a chance to dispute this account. Instead, Pro collect has placed this on my credit report with no explanation to get me to pay the bill. Our apartment had numerous issues during our four and a half years of renting including MOLD, ( I have pictures ) water coming in thru the walls in our master bedroom, and a water heater they tried to fix over 10 times in a 2 day holiday period which flooded our laundry room ( had we not been home, it would have created a very serious issue ) Below is the response from a procollect representative that has failed to resolve these issues I have listed, provide a bill to me whats so ever as stated in her response, and finally, allow me to file a dispute in writing. As you can see in the representatives response, there is no resolution on any of my concerns, the representative just list how to make payments. 

Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$2100.00} for ( RENT/LATE XXXX XXXX XXXX XXXX DEP XXXX ). The consumer 's dispute has been noted and the account has been updated. On XX/XX/XXXX, the consuner contacted Procollect and was made aware of the debt. The consumer provided Procollect with his attorney 's contact information at that time. Procollet contacted the consumer 's attorney on XX/XX/XXXX. The consumer 's attorney indicated that he needed to contact the consumer and he would call back. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this may have caused. Procollect will only communicate with the consumer 's attorney. The consumer 's attorney may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. The consumer 's attorney may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer 's attorney has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You

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 2022-10-20 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: MA

Complaint narrative:
Bank of America shut down my account. Followed up again regarding funds in the account with no 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 monetary relief
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.

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 2022-10-20 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: TN

Complaint narrative:
I send a letter to Experian with several items on XX/XX/2022. I ask for them to delete this items do to me never sign any agreement with such companies. They responded, they will investigate on or before XX/XX/2022. 
After 30 days they concluded that all was verified and no deletion or changes was made to my file. I then proceeded to send an escalation letter and a 609, letter included, I also mention penalties. 
As of today The only deleted total of 3, 1, one being child support. 2 of this items are from The Child Support Agency, this 2 are by far the most harmful to my daily leaving. ( but they deleted 1 ) Escalation letter had a due date of XX/XX/2022. 
I will mark deleted ones on my attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Today XX/XX/22 I was putting in a deposit for this rental I thought was legit. They had names matching up with the owners. The real owners I finally contacted and they told me it was a scam. I had found this listing online so I could have a place to stay while I work the XXXX XXXX  but I got scammed {$1000.00} I sent it through my bank through Zelle. My bank said they cant do anything neither did Zelle. They had me fill out rental application with all my info so they have my social and drivers license number too. 
The place was on XXXX as a cabin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: FL

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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-10-21 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: FL

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The bank, Capital One, has entered a cancelled deposit as a withdrawal. The amount of the check was then entered as a withdrawal instead of a deposit. The person who I spoke to over the phone was rude, they spoke over me during the conversations with their customer service line. They also lied and said that they were never called at the time of the issues regarding the deposit to the account. The customer service representative and their manager lied a second time and refused to make any attempt to resolve the issue. They continued to allow my bank account to remain in a negative balance exceeding the amount of {$2000.00}. The original deposit was blocked, there was no access to the image of the check or the deposit. The bank has made their own decision to remove the funds from my account although there were never any funds place in the account. The deposit was cancelled by phone with customer service the day it was attempted to be deposited. The man at the bank argued with me about the ownership of my account, and accused me of a crime for the purpose of the account being accessed by other people and made accusations about something irrelevant to a bank deposit. They started asking me about my device, or how do I access my bank account. They then disregarded any of my concerns and did not attempt in any way shape or form to resolve the issue or reverse the errors on the account. There is now a - {$2900.00} balance which has been added and the deposit was never applied to my balance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Westlake Services, LLC
State: NY

Complaint narrative:
ive called this company several times, mailed them letters but no answer. they are still reporting a repossession on my credit report when it has been more than 7 years and they have been paid in full. the repossession was on my credit report since XXXX or XX/XX/XXXX of 2015. 

The name of the company is Westlake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent in a dispute on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Car loan is paid in full but showing closed wrote off as bad debt

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 2022-10-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Car loan is paid in full but showing closed wrote off as bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Car loan is paid in full but showing closed wrote off as bad debt

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 2022-10-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I Paid {$500.00} XX/XX/2022 I was not sent a letter after my payment that I was going to be reported to the credit bureaus I was trying to prevent this and I was assured by the representative XXXX XXXX. I have recorded messages and my bank receipt. The last time XXXX XXXX called me was XX/XX/XXXX just two weeks after I paid {$500.00}, no connection after this I was immediately reported to the credit bureaus out of anger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MOHELA
State: NJ

Complaint narrative:
I am trying to get XXXX refunded. XXXX XXXX and Mohela will not provided any information of how much money has been approved and just keep saying to give it more time. I have called XXXX XXXX. I need XXXX refunded back to me and more information about the amount that has been approved. I need to make sure the amount of the refund is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation