vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Thursday, XXXX XXXX around XXXX I made a cash deposit of {$4000.00}. The machine spit back some of my cash which I retrieved however the remaining balance of {$3000.00} was spit out but once I went to grab it snatched the money back into the machine without applying to my account. I need my funds back immediately! There was another gentleman who approached me and said he just had issues with the same ATM machine and called the bank. He handed me the slip with the phone number to call. Since there were so many people lining up behind me I left and called the bank to advise of the issue and was told the claim was filed. Now it is days later and I do not have credit nor access to my {$3000.00}. I am livid! I have banked with BOA for years! Help me retrieve my funds. I do not have money to give away freely. How difficult is it to determine as my card was still in the machine when it sucked up my money. I called Friday to ask a branch manager for help. Still nothing and no money.

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 2023-01-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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

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 2023-01-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX, XXXX and XXXX XXXX Account # XXXX, XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
A Debt Collection named in the complaint ( Hayt Hayt & Landau, LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named XXXX XXXX XXXX XXXX as fraudulently opened and closed which no further collection attempting such have continued under the law. I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Receivables Management Corporation
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: CT

Complaint narrative:
My score is reduced with no changes to my report. I believe reporting is being done fraudulently and does not actually reflect my accounts.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The complaint - I initially went to the Experian.com website on the morning ( PST ) of XX/XX/2023 to put a credit freeze in place and the only option offered to me was to sign up for a monthly service at {$24.00} per month or call their Fraud department. I initially sought out the CFPB to complain about the required payment for a service the other agencies offer for free. It seemed to me Experian was making money providing credit services and it didn't make sense that I should need to pay to protect myself from fraud. It also seemed self serving to place a cost barrier to protecting oneself from fraud. 

Then something interesting happened. I was doing research on the CFPB website and signed back into my Experian.com account to make sure I had the right company name. I was now able to freeze my account for free, which I did. 

I can't prove what I saw when I first logged in ( no screen prints ), but I bet that's exactly what Experian relies on - having deniability. 

On my second login I'm betting their software either noted that I had accessed the CFPB website or because it was my second login now gave me the option of freezing my credit for free. 

I'm sure the CFPB has many more pressing issues to look after and this particular behavior I saw had to be embedded in the software logic. Something I'm sure would be difficult to uncover. 

I wanted to file this complaint just in case others have experienced or will experience what I did. 

No response necessary. I'm sure Experian would deny or suggest I made some error along thte way.

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it XXXX concern, On XX/XX/XXXX, XXXX, and XXXX my Chase checking account was hacked via the apps, XXXX XXXX and XXXX. There were XXXX transactions in total that were obviously invalid and not made by me, or any member of my family as I am the only person in possession of my phone at all times. I alerted Chase Bank the following day, as soon as I noticed the fraudulent transactions on my account. XXXX of the obviously false transaction was denied by Chase 's XXXX XXXX. All of the others were allowed to be processed. 

Chase did launch an investigation into the fraudulent charges and initially agreed to reimburse me for the XXXX transactions via XXXX XXXX which are as follows : XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX : {$700.00} On Thursday, XX/XX/XXXX, I received an email from Chase stating that they decided that these false transactions were made by me, and will be reversing my reimbursement on or after XX/XX/XXXX from my Chase Checking account. Not only are these transactions false, but Chase refuses to provide any detailed evidence or information, so that I XXXX pursue the matter further. 

The XXXX XXXX transactions were made around the same time as the XXXX XXXX transactions and are as follows : XXXX. XX/XX/XXXX - {$220.00} ( this transaction was denied by XXXX ) XXXX. XX/XX/XXXX - {$230.00} ( this transaction was approved by XXXX ) It would seem obvious that anyone looking at these transactions during this time frame could easily see something is off. Especially considering my past history using these app and the recipients of any transactions. 

I have spent hours on the phone with Chase Customer Service, and they can not provide any answers that make any sense as to why I will have to pay for their business getting hacked. 

I am a senior citizen on fixed income and this is wreaking havoc on my financial situation. I do not have the funds to cover this reversal of reimbursement, and as such, will only incur more charges when my account is overdrawn. 

It is concerning that a financial institution can continue to operate in this manner by taking advantage of seniors, and not doing the right thing. This situation leads to more concerns over the security of their internal systems, and I would implore you to take a closer look at these types of scams that innocent, everyday people have no control over when their financial institution will do nothing. 

Kind regards, Real, Hardworking Person

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
ProCollect sent me notice that I and my wife and father owed {$13000.00} for breaking a lease and damages. However, ProCollect doesn't recognize a debt not owed. As you can see, XXXX XXXX clearly states she would allow us a 7 to give a seven-day notice with no penalties or fines. Apparently ProCollect doesn't follow the law as the letter specifically states this. They are going on something that doesn't exist. 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 2023-01-08 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: LA

Complaint narrative:
Equifax credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. Equifax is reporting the following accounts and information violating the laws I listed above : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Capio Partners, LLC
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Assetcare LLC, XXXX XXXX XXXX and Capio Partners Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 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 recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. The following personal information - 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 XXXXXX/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 2023-01-09 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: NC

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 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 2023-01-08 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: CA

Complaint narrative:
Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: NY

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, 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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex System furnished a fraudulent account on my consumer report. And it has came to my attention that I was discriminated against because Chex Systems shared my consumer report which involves a fraudulent account on my consumer report. I did not give Chex Systems permission to share my consumer reports with any other organization. 
Pursuant to 15 usc 1681m ( B ) - If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall, to dispute with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. My rights have been violated. Chex Systems did not verify the debt. I was never notified when this inaccurate information was furnished, and I was never notified during this company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( l ) - This grave error has undermined my confidence in this company 's procedures, and as a result if this I will no longer by extending credit, and if this information is not removed, I no longer want my information in your company 's database. 
Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. You all did not insure that this information is correct and you did not exercise your grave responsibility with fairness and impartiality.

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 2023-01-08 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: NJ

Complaint narrative:
I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX XXXX and Equifax please remove the inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-08 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: CA

Complaint narrative:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.

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