vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX  ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 2023-10-10 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX ( XXXX ) 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 2023-10-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
around XXXX I applied for unemployment my claim ended in XXXX. Than when I reapplied and rectified I thought I was denied. than I put claim after claim and I was and when XXXX my mother brought me a card from her apartment. It was suppose to be send to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. Not once did this happen but twice. when I continued to call about the eligibility the representative from XXXX said I was denied or did not make enough. Which I thought was odd. So when my card was brought to me from the easet there was money on it. I called the bank and they said they deposit from my unemployment. So I went online and notice purchases and deposits that er  made and not from me. I called XXXX and Bank of America and noticed that something was not right. There was over {$50000.00} XXXX. missing from my bank starting with the account and email address as XXXX and now XXXX. When me and the claims rep discuss the transactions of over XXXX disputes that were done. I thought they would credit me some money. so far from XXXX I only received no more than {$2000.00} XXXX. Also I notice that my XXXX pay was was stolen. It was suppose to arrive on XXXX XXXX in XXXX XXXX XXXX XXXX. I never received the card and the Bank of America hung up on me over XXXX to XXXX times. They were very rude very disrespective and not professional about them make XXXX transfers without my permission. and they allowed people to make deposits and go in and take money. MY card is a government card so how could the bank do such action against me and my request of my money that they transferred. The traction 's were made and deposit of the XXXX was transferred to another account at the same time. I want them to all records of my account XXXX can you please investigate this for me.

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 2023-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NV

Complaint narrative:
About a year a ago, I filed a complaint with the CFPB against XXXX XXXX XXXX. At the time they were threatening to damage my credit score if I didnt pay them {$12000.00} on an un-used apartment rental lease. I threatened to hire a lawyer and they appeared to back down. this notification was received by certified mail. 

I explained in detail why I could not honor that lease. 

In XXXX, following the Covid lockdowns, XXXX XXXX was offering a Pre-lease to fill the building, but they said that I could not move in until XXXX of the next year. The building I was living in had just been sold. So I told XXXX XXXX that if I was evicted from the sold building before the move-in date in XXXX. I would have to make other arrangements. The sale rep said ok. Two months later, I was evicted. It was XXXX. I walked to the XXXX XXXX building and asked them to allow me to move-in immediately. They said that they did not own the building yet ; they could not do it. 


At the time my credit score was above XXXX. And it remained between XXXX and XXXX up until XX/XX/2023. In early XXXX, I filed a new application to rent an apartment at XXXX XXXX XXXX. About 3 weeks later, XXXX XXXX approved me, but with conditions. They said that because there was a rental collections on my report, I could not self-guarantee. They said that they would waive it if I agreed to pay an additional {$130.00} per month. Upon checking my credit, my score had dropped to XXXX. Apparently, XXXX XXXX filed a claim against my report for a {$350.00} reassignment fee while i was applying for a new apartment, so that they could use it against me. This was a total surprise because I received no notification from XXXX XXXX about a reassignment fee. 
It is clear to me that when I visited their office to apply for a new apartment, they decided to retaliate against me by damaging my credit. I spent the next XXXX weeks looking at other apartments, but it was obvious that no one would rent to me. 

Finally, I decided to go back to XXXX XXXX and pay the extra {$130.00} per month. 
But, to my surprise again, XXXX XXXX refused to honor their own approval letter. In addition, they refused to refund my {$200.00} application fee. 
I have tried to hire a lawyer, but there is not enough money in this to interest anyone. I've called the state AG 's office, but they only exist to represent state agencies. So far, I am having a great deal of trouble getting anyone to care about what happened to me.

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 2023-10-10 00:00:00
Product: Credit reporting 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a first-year international XXXX XXXX  at XXXX University ( please refer to Attachment 1 for proof ). I opened both a savings and a checking account at Bank of America ( BoA ) on XXXXXXXX XXXX XXXX, with the intention of using these accounts to manage my university stipends and cover my daily expenses. However, things did not go as planned. 

On XXXX XXXX, I received a paper check for my first month 's stipend, totaling {$6600.00}, from XXXX University ( please see Attachment 2 for my funding letter and Attachment XXXX for my paystub ). I deposited this check at a BoA ATM. Unexpectedly, on XXXX XXXX, I discovered that my accounts had been locked ( please refer to Attachment 6 for my transaction history ), and all my deposited funds were frozen. 

Concerned, I visited a BoA branch the next day to inquire about the issue. A specialist informed me that BoA had decided to close my account, suspecting that the check I had deposited was fraudulent. To substantiate my claim, I provided BoA with the front page of my check ( Attachment 2 ), confirming that XXXX University had indeed issued a legitimate check to me. 

However, when I revisited the branch on XXXX XXXX to follow up on my case, I was informed that their decision to close my accounts was final, and my check was still under investigation, which would take less than 1-3 months. Furthermore, they could only return the check to me if their investigation determined it to be genuine. As of today, the entire balance in my checking account, amounting to {$6800.00}, remains frozen by Bank of America. 

All the funds in my account are legitimate, and the check I received was issued to me by XXXX University for my stipend. Given these facts, I have no idea about why BoA chose to freeze my funds and close my account. Their actions are entirely baseless and have had a significantly adverse impact on my life. 

I hereby demand the following actions from BoA : 1. Swiftly restore access to my accounts. 
2. Release the frozen balance in my checking account without delay. 
3. Given that this situation arose due to BoA 's errors, and I have not engaged in any fraudulent activity, I insist that this case should not have any negative impact on my credit history. 

Attachments : ( 1 ) My XXXX University student ID ( 2 ) My funding letter from XXXX University ( XXXX ) My paystub from XXXX University 's portal ( 4 ) The front page of the check from the Trustees of XXXX University ( 5 ) Photographs of the check ( 6 ) My transaction history, provided by the Bank of America XXXXpecialist.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) Late payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My XXXX  whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$150.00}.

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 2023-10-10 00:00:00
Product: Credit reporting 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: GA

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.

has violated my rights. Or list of inquiries 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: MS

Complaint narrative:
Credit was ran without my permission. Already had a pre approval letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my experian credit report theirs is XXXX negative item that's a collection account called credit collection this negative item supposed to be removed from my experian credit report filed a federal trade commission identity theft report on file also their XXXX hard credit inquiries on my report those inquiries supposed to be removed from my experian credit report and regarding XXXX Credit report there's XXXX negative item that's XXXX  days late its a fraud account

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