vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I rented an apartment online while I was working out of town, I paid the first month and deposit, but when I went to pick up my keys for my new apt XXXX All XXXX broke lose, they put me in a different apt . unit, I had to wait 3 hours before they gave me another unit, and that unit was NOT move-in ready .... I contacted the office many times and took pictures and sent a letter to XXXX XXXX XXXX, The Corporate Office of the apartment, and the XXXX, the Corporate Office of the apartment never return my call or emails. after 4 weeks of complaining and nothing getting fix I moved out, and a emails was sent to the apt manager... Now looking at my credit report some company name PROCOLLECT , INC Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Is reporting this account on my credit report, without contacting me on the phone or email. 
Reporting without my knowledge.

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 2023-07-11 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: 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 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 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 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 non-monetary relief
Consumer complaint received 2023-07-11 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 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 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 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 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 2023-07-12 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.

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 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

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 2023-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 instruction.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TN

Complaint narrative:
My information was compromised due to the XXXX data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!

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 2023-07-11 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: TN

Complaint narrative:
My information was compromised due to the Equifax data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one Quicksilver. Charges were added to a brand new card. I called told them I did not purchase game at. XXXX. XXXX. They cancelled card issued new one. The new one came and I saw statement and charges were never credited back. The new card was already charged again with same fraud site again. I honestly think its capital one. Way of fraudulently not fixing problem. Hurting consumer credit when I tried to cancel entire card. Never helpful. Dont see them adding payments I have sent them. There is something very wrong with this card and no help from customer service. They just want to lock card and continue adding member fees. Please investigate. No one should have to deal with fraud in this manner. Hurts credit XXXX score mess now. Horrible ordeal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
Hi This is my third time filing a complaint against Bank of America! they owe me money they messed up my account my car got repoed because of what they did they took money from me several times.. and told me that they could not credit my account due to the funds that disappeared was a ghost transaction! whatever that meant. I called daily to resolve this issue asking them how did all of my money disappear from my account? I was told i used it.. before it posted! which i knew was a lie. it was mysterious to myself. and i didn't understand it at all.. this started back on XX/XX/2023 and my account never got solved. i kept calling and also going to the XXXX Texas Branch to speak with Managers only to find out that my account had been closed due to it being a Risk account. I didn't understand why they would close my account without at least giving me back my money. The Manager XXXX ask me did i not receive a check? I told her No I did not receive anything. Then I ask her why did they do that to me instead of just resolving the issue? I was told by here that Bank of America has done this to people that had been with them as long as i had with no warning.. they would just receive a letter stating that the account had been closed.. because they had decided not to do business with that Individual anymore!.. I was with bank of america on and off for 24 yrs.. and i never understood why my account was always low after depositing large amounts and would have to figure out how to pay my bills after i had just put money in my account and being told that they money was already used and that once the money posted that it all went to whom ever i paid or whatever i spent. I am in XXXX because of this.. i have lost my car XX/XX/XXXX because the money i paid for my car bank of america claim i disputed my car note back three months alone with bills and other things that i had to pay triple too.. i made a few reports to you all.. and nothing happen.. i am asking that you all please help me.I am a Grandmother of XXXX children and has now taken on a XXXX that was abandon by a family member and this is not right.. for everyone that this has happen too.. this is wrong.. not to mention they just sent me a letter in the mail asking me to reconcile my account starting out with {$8.00} yes you read that correct {$8.00} i am livid and i have been in deep XXXX since this happen to me! i can only imagine how many people this has happen too. I HAD two accounts with Bank Of America the one i entered the info and the other one i can't remember the account number but it ended in XXXX the one that I have on your page is the one that i found

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 


XXXX XXXXXXXX account number XXXX Open date XXXX XXXX XXXX XXXX XXXX Open date 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 2023-07-11 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 submitted a dispute to Experian on XX/XX/XXXX and uploaded documents to support my dispute, On XX/XX/XXXX central time, XXXX minutes after my dispute, I looked at my report and it said Dispute Updated ..... THEY DID NOT INVESTIGATE MY DISPUTE .... according to the Fair Credit Reporting Act, that is breaking the law.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi keeps decreasing my credit limit putting me in a place to be at 99 % utilization which is adversely impacting my credit score. They provide no advance notice and I feel this is unfair and deceptive because I cant avoid the impact on my credit score. I pay them on time ( excellent payment history ) and I try to keep my utilization low. This is not a good practice and if it wasnt going to further impact my score I would close this account. This appears to be a common practice for Citibank and needs to be investigated for the negative unavoidable impact this is having on customers. I will never open another product with this financial institution.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
BANK OF AMERICA IS A FRAUDULENT ACCOUNT REPORTING ON MY XXXX CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.

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 2023-07-12 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: NY

Complaint narrative:
Transunion is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Indie Technology DBA Found
State: LA

Complaint narrative:
I use my car and ATM and the ATM did not dispense any money and did not show that my card had been debited. I did not look at the receipt I did not think that it had debited my account, but when I noticed that it did I contacted My financial institution Immediately and they told me to fill out the paperwork and I did and that was XXXX days ago and they told me today that they were not going to issue me a provisional credit for my lost And I just now seeing that my furniture institution on the very same day that I disputed the transaction they announce that they credit my account, but there was no credit when I looked in there, so I guess they took the provisional credit away. I dont know what happened, but I have proof of the message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I tried to explained that the account isnt mine and the report fell off my credit between XXXX to XXXX. I want to know why is the information reappearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Today I was served a summons for a XXXX XXXX credit card debt that I've already paid. I contacted the company and they refused to address the issue. Their advice was to " just ignore it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: IN

Complaint narrative:
15 U.S Code 1681c-2 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, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 


Please see attachments below.

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 2023-07-11 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: WA

Complaint narrative:
XXXX XXXX XXXXXXXX IS A FRAUDULENT ACCOUNT REPORTING ON MY EXPERIAN CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.

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