vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FXXXX 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have already went to the company to resolve the discrimination i am facing with this company. They have made an erroneous credit decision based off of melicious intent. With a perfect history across several accounts in no way shape or form should have have had my credit lines reduced. This will adversely affect but credit sending both lines up to a 90 % usage. Also, there is no evidence of higher risk by simply using a car that was moderately used to dormant over years. The email I send to the CEO of the company is below. 


First email no response. 


Good afternoon XXXX CEO of PNC Bank, It is my intention to engage with your company regarding my PNC relationship. I have been a customer with you for over 2 decades. I have paid off 3 Vehicle loans. I have 3 banking accounts. Also, have maintained 2 credit cards in good standing with no payments late over the last two years. I have a PNC Points credit card & a PNC Cash builder credit card. Both have been open and paid in good standings for 6 years and 9 years. 

I was saddened to discover after doing a balance transfer after my card was daily dormant for a time. I found that both of my credit lines were reduced creating a 90 % usage. The both were {$20000.00} separately and {$40000.00} combined reduce to {$5000.00}. I made a complaint and received a call from XXXX who was not equip to answer my questions or work through the escalations process. She was combative and obstructive to the process of seeking to understand what has happened. Asking did you read the letter in the mail is cold and simply beneath the standards that PNC has set in past interactions. 

I understand there are many factors you consider when making decision. My intention is to get you all to reconsider without doing a hard pull as offered by XXXX because a hard pull was not necessary to make the decision. She treated me as if you no longer wanted my business and I am saddened that the banking relationship has soured in the manner. She over talked me and my experience is that she wanted to defend a pore decision at all cost. I intend to take whatever action is necessary to be treated fairly under the FCRA and also I would prefer to avoid contacting the CFPB and the OCC to look into this matter. I feel discriminated against and harmed by the decisions made in such a knee jerk way. Also the obstruction in finding a solution to my concern is operant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: LA

Complaint narrative:
I am writing because I see some unauthorized inquiries on my Equifax credit report that I did not authorize and I would like them to be removed immediately. Also their inaccurate personal information reporting to my Equifax credit report I would like all the old address, phone number, and jobs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations ] ( NATIONAL CREDIT SYSTEMS ) - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/2023 I got a Email form XXXX XXXX XXXX. Goldman Sachs banks XXXX. Said I had a XXXX for {$210.00}. I called them they said they Canceled the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX Account name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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 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 2023-07-10 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: DC

Complaint narrative:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$46000.00}

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 2023-07-10 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: NV

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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}

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 2023-07-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations - GENESIS CREDIT MANAGEMEN - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2023 : {$21.00} interest charge XX/XX/2023 : {$22.00} interest charge XX/XX/2023 : {$21.00} interest charge So, my Bank of America Unlimited Cash Rewards Card was and had been interest-free for years now. At some point, they started charging interest on it. Thats fine, but why hide each monthly charge from the list of transactions on my BofA banking app??? Usually, when there is an interest charge, it shows up in the list of transactions, alongside the purchases and charges one would put on the card for food and bills, etc., but nope, Bank of America wants to be shady and not show interest charges where customers can see them. I had to check my monthly statements because I noticed a change in my credit card balance amount when I hadnt charged anything to it in a while. In the XXXX monthly statement, turns out I was charged interest of {$21.00}. I will include a screenshot, but I did not see the interest charge in the transactions section in my banking app. I checked back to see when they had started charging ( and HIDING the transaction ) me interest on this card. In the XXXX statement, I was charged {$22.00} ( and of course it did not show under the credit card transactions along any purchases that I wouldve made ). And then back in XXXX, {$21.00}. I am complaining about this because my other BofA credit card actually shows me any interest charges and fees alongside the transactions of my purchases. I am lucky that I am more technologically literate. People with language barriers and people who are impaired or older and not technologically literate are getting hurt by these abhorrent business practices. I have had a negative experience with Bank of America customer service before and their customer service phone number is impossible to locate, and then when I found it, I am unable to speak to a real person and instead I am left frustrated with an automated voice. Real, working people do not have the time or patience or energy to be dealing with this. Money is money and businesses need to be fairly earn it, and not by being deceptive. They deserve to be called out and reprimanded for hurting millions of consumers.

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 2023-07-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received my credit report and found that I have sum unauthorized inquiries on my account and would like them removed 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 explanation
Consumer complaint received 2023-07-10 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC XXXX This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. 
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. 
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: LA

Complaint narrative:
I am writing to remove all the unauthorized inquiries reporting to my credit report 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 2023-07-10 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 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 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
United Collection Bureau XXXX Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau  XXXX Inc showing we had a contract as well as the agreement between United Collection Bureau XXXX Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX XXXX amount of {$13000.00}. I reached out to XXXX  and XXXX do they sell debt they stated no ( I'm well aware of my HIPPA laws XXXX. I could sue United Collection Bureau XXXX XXXX for violating XXXX laws. United Collection Bureau XXXX Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau XXXX Inc for the violations of my medical rights. Also their information has not been reviewed by a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I am writing to file a complaint and demand that AMERICAN EXPRESS promptly address and rectify the numerous violations of federal law that have taken place concerning my account. I expect AMERICAN EXPRESS to provide a swift resolution as outlined in this letter. Failure to do so will leave me with no choice but to initiate arbitration proceedings. 

Violation of 15 U.S. Code 1691 ( a ) - Discrimination : AMERICAN EXPRESS ' arbitrary reduction of my credit limit without any valid reason or due process specifically targets me. Such actions directly contradict the provisions of this federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. AMERICAN EXPRESS ' decision to decrease my credit line without my authorization, knowledge, or benefit directly violates federal law and represents a breach of fiduciary duty. 

Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : AMERICAN EXPRESS asserts compliance with the Equal Credit Opportunity Act and all other applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors outlined in a document from AMERICAN EXPRESS dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). AMERICAN EXPRESS has engaged in prohibited discrimination against me by utilizing information obtained illicitly from consumer reports. This conduct also violates the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ), as my nonpublic personal information was disclosed without written consent.

Previous Violations of Federal Law and Damages : Furthermore, I wish to bring your attention to previous violations of federal law referenced in CFPB complaint ID XXXX XXXX. These violations include infractions of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have experienced financial harm, mental anguish, emotional distress, and an inability to provide for my family, make essential household repairs or improvements, or invest in my business during the XXXX pandemic when financial assistance was crucial. 

None of the complaints I filed with the Consumer Financial Protection Bureau have been satisfactorily resolved. Below, I have listed all the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX It is vital to acknowledge that AMERICAN EXPRESS ' actions have resulted in multiple violations of 15 U.S. Code 1681o ( a ) - Civil liability for negligent noncompliance. 

Due to the severity of these violations and the extent of the damages suffered, my demand for remedy is outlined below in detail. 

I appreciate your immediate attention to this matter. 

Thank you.

Company response to consumer: Closed with explanation