vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
Extremely high interest and extra balances being added on all the time, fees were out of control, car was later repossessed and I was fine with that. They continued past the time the car was taken to continuously call. I could not afford the car anymore at that time. Horrible finance company, didn't verify my husband and I income at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: PA

Complaint narrative:
I have file numerous credit disputes over the past 5 year and have never receive and verification/validation of inconsistent and obvious contradicting information reporting within the reporting 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
company never sent out letters and Due to multiple XXXX I was unable to communicate with anyone from the bank.

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 2023-09-13 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: NC

Complaint narrative:
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your immediate attention a matter of significant importance concerning inaccuracies in my credit report. I have identified several items that are not compliant with Metro 2 reporting standards, specifically related to the account managed by Midland Credit Management. I kindly request your prompt assistance in rectifying this matter.

Creditor : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Allias : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Last reported XX/XX/2023 Dispute Type : Metro 2 Compliance Violation I have thoroughly reviewed my credit report and found that the reporting for this account does not adhere to Metro 2 standards. I am formally disputing the presence of Midland Credit Management and any associated negative credit impacts. I urge you to take the following actions : 1. Immediately remove the entry for Midland Credit Management from my credit report, along with any associated negative credit impacts.

2. Perform a thorough investigation into the Metro 2 compliance of the reporting for this account and negative reporting credit items.

3. Provide a detailed response outlining the steps taken to rectify this situation within the statutory time frame. 

Midland Credit Management has failed to adhere to the Metro 2 reporting compliance standards, and failed in any supporting evidence, to facilitate the resolution process. I trust that you will handle this matter with the urgency it requires.

Please acknowledge receipt of this letter and inform me of any additional information or documentation you may need from my end to facilitate this dispute.

Thank you for your immediate attention to this matter. I anticipate your timely response and resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/2023 I received a phone from a woman named XXXX claiming she was from Associated Bank. I returned the call from the number XXXX. The recording says that it is associated bank and asked to state the nature of the call, I said it was a return call. I was connected with someone who said they couldn't tell me why I got the phone call unless I verified my information. I was at work and hung up and figured they were calling because my account balance was - {$240.00}. I called back again around XXXX the same day. Thinking this was the bank the woman on this call asked to verify my information. I ended up giving out my account number and the last 4 of my social. She then told me that there was no account and then asked for my ENTIRE social security number and at this point I stopped and did not give it out. I asked to be transferred to my bank and she stated she was not able to do that because she is from a different branch. I called my actual bank, told them what happened and made an appointment to go and have my account changed ( checking ) I called this company again because they claim if you return the call to them they can ask you to verify your information. However, the last call I made I had hung up, this gentleman called me back and I asked several people what the call I got was for were unable to tell me but somehow this man was able to figure out my account was overdrawn ( I never disclosed that information ) and called me back to tell me he was able to figure it out without verification then asked when I will be depositing money into the account. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all 3 of my credit reports as soon as possible. 

XXXX XXXX XXXX XXXX OPENED:XXXX {$500.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$870.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$820.00} ( XXXX  XXXX ) XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$1200.00} ( XXXX XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX OPENED : XX/XX/2022 {$1000.00} ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting of 30-Day Late Payment Account Number : XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a XXXX late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my XXXXrelated circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the XXXX pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the XXXX virus. I would like to affirm that the XXXX late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the XXXX late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, XXXX  Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, National Association of Attorneys General, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau 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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today XX/XX/2023 around or about XXXX XXXX  yours truly experienced XXXX profiling by a white PNC Customer Service Representative. To whom stated that despite me already being verified through the PNC Banks Automated System. She in a racially prejudice manner told me that I had to answer some specific questions to verify to whom I am and as me being a person of XXXX I felt very offended at this poor ethic nature in customer service. And she was actually trying to trap me so that I wouldnt have any access to my account. However when calling back a few minutes later and being connected with a minority customer service representative. There was absolutely no problem with him giving me the valid updated information on my account and prior to me being verified through the automated system there were no request for a second validation. PNC seems to be vindictive towards me. Because about a month ago @ their location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As I was doing a transaction inside of the Branch. In which the Branch Manager was filling in as XXXX of the Tellers. During the midst of the Financial Transition. She rudely stated that I could use the ATM outside. However she and many others knows that this is a XXXX XXXX infested crime ridden area. So for the third time PNC @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im not a follower of these deceptive lies about this XXXX XXXX being a safe community. So for my safety Ill come into the Branch in which I thought was improving until this and the Security Guard playing the role as a PNC Customer Service Representative. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it XXXX concern, I recently received my credit report from Experian, XXXX, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law. 
- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report. 

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n. 

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights. 

Best Regards,

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PERMISSIBLE PURPOSES OF CREDIT REPORT 15 US CODE 1581B EXPERIAN IS VIOLATING MY RIGHTS BY ALLOWING THESE ACCOUNTS BELOW REPORT ON MY CREDIT REPORT,

 I HAVE NO AGREEMENT, PAYMENT HISTORY AUTHORIZATION TO REPORT ON MY CREDIT FILE.  
RENTDEBT AUTOMATED 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.  I HAVE A COMPLAINT FILES WITH THE FTC TOO.,  SEE ATTACHMENT INCLUDING THESE 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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$180.00}.

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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A demand letter was sent to Capitol one dated XX/XX/2023 and I didn't receive any response. Now I am taking this matter to a whole new level being that Capital one want to continue to lie and disrespect me along with assassinate my character steal my money aggravate me cause me all this pain anguish and frustration when all they had to do is look at the date and time on my paperwork. I am gon na file a lawsuit on the matter then maybe I'll get my money back from these apathetic self righteous, people. I still do business with capital one. It was {$300.00} they took out my account. I sent Capital one my proof and to no avail still no resolve. My claim will be for {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2023, I got a response from Capital One that my credit limit increase request was denied due to legal action pending against me.There were no other further details that explained that meant. Ive a XXXX capital one cards for over a year and got a {$100.00} increase last year. 
I called Capital One customer service on XX/XX/2023 and talked to XXXX different people who couldnt help me. The last person I spoke with said no one at the company has that information and cant access it because they arent the ones who decide the reasons for any payment increase requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: AL

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.

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 informationisinaccurate.

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 2023-09-14 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, BARCLAYS BANK DELAWARE has violated my rights. 
Under 15 USC 1681 Section 602, it states I have the right to privacy.

Under 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

BARCLAYS BANK DELAWARE reported my account late for XXXX and XX/XX/XXXX. They have not updated the status of my account since XX/XX/XXXX. The balance on this account has been paid since XX/XX/XXXX ; however the report claims I still owe money. Also they have raised my interest rate ( APR ) to the highest possible rate since.

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