vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IL

Complaint narrative:
A debit collection company called ProCollect , INC contacted me on XX/XX/XXXX, claiming that I owe a debt of {$200.00} to a student apartment in XXXXXXXX XXXX XXXX I was sure that I didn't own the debt because I never lived in any cities in XXXX XXXX XXXX in my life and I was no longer a student since XX/XX/XXXX. 

I called XXXX and explained this to them. They told me that they would verify my identity with the student apartment. I didn't hear anything from them after that so I thought the problem was resolved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I check my credit report, I noticed there was a collection placed by XXXX on the credit report. It was placed in XX/XX/XXXX. I tried to call XXXX XXXX to claim that this is a wrong debit collection but they insisted that the apartment provided my social security number to them. 

I believe it is possible that it is identity theft. Someone used my social security number to rent a student apartment in XXXXXXXX XXXX XXXX. This person owns the debit, not me. It is quite easy to prove. I can provide documents to prove that I lived in XXXX XXXX XXXXXXXX and I never changed my address since then. Also, I can provide documents to prove that I graduated from a XXXX XXXX XXXX XXXX in XXXX with a XXXX XXXX XXXX ( so there is NO reason that I would rent a student apartment in 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 2023-01-05 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: SC

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, 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 explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had called the company regarding my citi bank Best Buy credit card. I am in a debt settlement program, I was paying my Best Buy credit card when they closed my account. When they closed my account, is around the time I really struggling with payments. When I talked to Best Buy citi bank they were willing to help me but the man that was suppose to help me regarding a hardship program, did not! I felt like I was being treated like a child. He was suppose to help me with a payment plan and when asked about what I used the card for? I explained to him emergencies like bills, gas, groceries and etc but he kept saying " that's not what I'm seeing here '' and I didn't understand what he was talking about because that is what I used it for but the way he was talking to me, I felt like he was hinting that I just used the card for a shopping spree. Which really upset me because I don't owe anyone an explanation but I do use my things I can't pay in a bind. I'm a paycheck to paycheck house hold. I didn't like how I was treated and was very upset. I had emailed the company 2 times. Since XX/XX/2022 and haven't heard a response.

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 2023-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent an FTC report to Equifax about two inquires that are on my credit report that I need removed. I called on XX/XX/XXXX to receive an update they stated it will take another 30 days to remove which is total of 60 days. Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a right to PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of 1999.. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: MN

Complaint narrative:
XXXX DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS XXXX XXXX XXXX XXXX 
XXXX. Putting a collection on my credit report that is not my account. 
XXXX. Putting the same account that is in collection as a regular account XXXX others items on my credit report. A TOTAL OF 3 times thaXXXX XXXX XXXXs on my credit report and they refuse to remove any of themXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Have never provided XXXX of validation or written signature for any of the accounts listed below. 
XXXX. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute XXXX. They have blocked me from disputing online because I complained on here. 

I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. 
My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. 

Accounts I am suing them over : XXXXXXXX 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 explanation
Consumer complaint received 2023-01-05 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and XXXX XX/XX/XXXX. I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. 

Due to your companys neglect and unjust actions it has cause damage to my consumer report. You company fails to thoroughly investigate and you staff has given misinformation on important information constantly on recorded phone lines! 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. Inaccurately. These accounts should PROMPTLY be updated as PAID/ON TIME : XXXX Bank XXXX XXXX Acct. # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  " verified as accurate and updated '' disputed information regarding I C Systems Collections account no. XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX ). I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXX XXXX XXXX, and XXXX XXXX does not appear to provide products or services within XXXX I have not been involved with XXXX XXXX in any way, yet I C Systems Collections has apparently repeatedly " verified as accurate '' the information it submitted to XXXX which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the I C Systems Collections and 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a secured credit card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, 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 2023-01-05 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX  XXXX in company XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX company account number XXXX XXXX XXXX  account number XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) account number XXXX Account number 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 explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
So I was driving and didnt stop and received a ticket and my car was towed. Fast forward went to court everything was dismissed. But during this who process my car was taking by the Loan company. I wasnt explain there was a clause in the contract for the to take the car if i was wreak less but I wasnt. So they took XXXX that was the down payment of the car hard me going back and forth with the Dealership and American Credit Acceptance. I was told by XXXX XXXX ID # XXXX and supervisor XXXX XXXX that a check on XX/XX/2023 and this XXXX  on XX/XX/2023 i was told by the company we sent it out and its my fault I didnt receive it and oh it looks like it was cashed and this was XXXX that it was received. I told the person on the call it need to be fixed I havent lived at that address in almost XXXX XXXX. So in short I feel like i was violated by the XXXX XXXX and American Credit Acceptance . 

As demonstrated in EXHIBIT A, [ XXXX XXXX ] is a creditor as defined in 15 U.S.Code 1602 ( g ). The agreement proves that this is a consumer credit transaction, as evidenced by the notice required by 16 C.F.R. 433.2, as indicated in EXHIBIT B.

The financing charge is the total cost of consumer credit expressed in dollars, as indicated in EXHIBIT C 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.Code 1605 ( a ). " The finance charge does not include cash comparables. 
In this contract, the " down payment '' is demonstrated in EXHIBIT D as cash down payment. This is a violation of 15 U.S.Code 1640 ( a ) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. 
It is clear [ XXXX XXXX ] XXXX be held liable under criminal liability in the court of law in accordance with XXXX XXXX XXXX ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by Truth in Lending Act. To remedy this situation I am requesting I request an immediate return of the down payment of my vehicle ] I only want communication from this point to be in writing unless you are calling to settle this matter outside of CFPB. Please cease and desist any other communication other than writing to me in regards to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: OH

Complaint narrative:
AMERICOLLECT has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).

Show ( ii ) The consumers name and mailing address.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).

Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).

Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).

Show ( v ) The name of the creditor to whom the debt currently is owed.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).

Show ( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).

Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).

Show ( ix ) The current amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XXXX just opened a secured XXXX account with CapitalOne. Their online system tells me that I am still responsible to pay on two ( 2 ) credit card accounts that were settled as " paid in full '' almost two years ago. I contacted the law firm that purchased the two charged off accounts. They confirmed Ido NOT owe on those two accounts and have provided me letters stating just that! Capital One rep admitted they are aware of this problem with their computer system but they have no idea of if/when it can be fixed- I am quite sure they are reporting this same erroneous information to XXXX, XXXX and XXXX! Help!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Received call around XXXX on XX/XX/2023 from XXXX XXXX XXXX Police detective XXXX XXXX XXXX XXXX ) XXXX, informing me that they had recently came across a large scam involving multiple people and that one of the pieces of mail they found was in my name. The perpetrator involved had applied for and received a Bank of America XXXX Alaska Mileage credit card in my name. XXXX XXXX gave me their police report : XXXX. I called Bank of America and they informed me that their was a fraudulent credit card set up in my name with a credit limit of {$15000.00}. Thankfully, no charges were made on the card, and the Bank of America representative informed me that he card had been closed. I have contacted my financial institution, XXXX XXXX, and verified that my account is secure. I filed a police report with my local XXXX XXXX police department : XXXX. And I have contacted the XXXX credit bureau ( XXXX ) XXXX to report the fraud. I was informed my my local police department XXXX XXXX XXXX XXXX to notify the XXXX XXXX XXXX XXXX. Thank you- 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