vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have received numerous phone calls and letters alleging that I owe a balance of {$1300.00} to a XXXX XXXX  for an account that was supposed to have been opened on XXXX XXXX This is the information reflected on my credit report. It is being collected by Midland Credit Management. I have stated many times to this company that I do not know who XXXX XXXX. I have lived at my current address since XXXX XXXX XXXX and have not opened any knew accounts anywhere other than my car loan and XXXX XXXX XXXX accounts, which are all in good standing, since moving here. They still have not been able to tell me any details of what type of account this is or provided any type of validating information to my. 

Additionally, I have searched the XXXX  website and found that while this company holds numerous licenses in many states, it does not appear to hold a debt collectors license for the state of California. It does have a branch located in XXXX XXXX, Ca but the license it holds for that branch is a XXXX XXXX XXXX XXXX XXXX XXXX. I may have missed something but from what I have read that does not give them authority to attempt to collect any debts in this state. I feel that is an issue that should be properly investigated.

Never the less, as I have stated, I have not opened any type of accounts other than those i have disclosed and because this company has refuses to provide me with any validating information and only provided multiple threatening statements and continued to harass me, I feel that that should remove this entry from my credit report based on these facts alone. The additional information that I have provided should also be taken into account when determining whether or not they have authority to report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
DO NOT, I repeat do NOT get a loan from them. They lied to me emailing me about a XXXX dollar promotion as I was looking for a company to finance my first ever car purchase. I had other companies that were willing to finance me, but what hooked me was the promotion as I planned on using it as a months payment as I budgeted my expenses. This turned out to be a flat out LIE, as I was at the dealer ready to sign they tell me that the promotion is only valid for people who REFINANCE through them, which was NEVER mentioned in the email or the subsequent calls I had with their agents, up UNTIL I had to sign for the car. I had no choice but to sign as I was already there at the dealer excited to drive away. I later emailed and called Westlake Financial regarding this FALSE ADVERTISING and they never replied to a SINGLE one of my emails in which they asked me to submit he proof that they sent me said email, because according to them they had no record of said email or the preceeding calls mentioning said promotion. I submit everything they asked and got NOTHING, absolutely NOTHING in return. They didn't reply to anything. Trash company with predatory lending and false advertising.

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 2024-01-06 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: FL

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

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2024, an application for credit was done over the phone, reference number : XXXX. 
I provided an application, turned it into a promissory note, something of value. AND RECIPIENT DID NOT PROVIDE ANYTHING OF VALUE BACK TO ME. 
I made two phone calls with discover credit account services. TOLD ME THE CREDIT FACTORS DETERMINED CREDIT LINE. HOWEVER COLLATERAL HAS BEEN PROVIDED, equity is had been provided which means the account shouldve been approved and remedy of this is necessary. Both of them told me there was nothing they could do for me, the supervisor of the department told me she understood the validity of the claim, the value in my application, and the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor per their prospectus, I have provided a promissory note and that is a security which provides all collateral necessary for the opening of the open ended credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I opened a business checking account with relay financial they made me jump through all these hoops and loops and did this extensive verification with lots of extra steps just to open account in XXXX of XXXX finally once opened I deposited {$100.00} and tried using debit card for months I couldnt use the account kept calling customer service getting the run around then on XX/XX/XXXX they sent me a email saying they are closing my account for no reason and sending me a check on XX/XX/XXXX its XX/XX/XXXX and no check received no response from customer service and the {$100.00} still sitting in account refusing to send it back and account locked I deposited a legit check for XXXX $ they played games for 10 days then accused me of altering the check this bank is garbage and a bunch of crooks nothing but excuses and stories delaying me and hindering my business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I am writing to urgently bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX in reinserting an account on my credit report without providing the required notice within the stipulated timeframe. 

On XX/XX/2023, I initiated a dispute with XXXX regarding an account ( Account number : XXXX ) reported on my credit report, and as a result of the investigation, I was informed on XX/XX/XXXX that the account had been deleted from my credit report by XXXX and XXXX. However, to my dismay, I have recently discovered that this item has been reinserted on my credit report. 

In accordance with the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX is obligated to notify me of the reinsertion in writing within 5 business days. Quoting the relevant section of the FCRA : " ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' Regrettably, I received no such notification from XXXX, a clear violation of the FCRA. I must emphasize that this is a severe breach of consumer rights and a blatant disregard for the law. I reserve the right to pursue legal action to address this matter. 

I hereby demand that XXXX immediately deletes the reinserted item from my credit report to rectify this violation. I have also submitted this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX 

Enclosed with this letter are copies of the original dispute submitted to XXXX, supporting documentation, and the investigation results from XXXX and XXXX. I kindly request your prompt intervention and assistance in resolving this matter. 

Thank you for your attention to this urgent matter.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I filed a complaint on XX/XX/XXXX regarding inaccurate information about the same credit account from XXXX XXXX XXXX XXXX. I also sent in evidence proving that the late payment listed for XX/XX/XXXX was false. I received a response from XXXX Regarding that matter and I was told that their investigations department found the information to be accurate despite receiving bank statements showing payments. On XX/XX/XXXX I received an alert from XXXX regarding inaccurate and duplicate information reporting on my account from XXXX XXXX XXXX XXXX. 2 days later I called their department, the agent said that it will take 30 days to review the information. on friday XX/XX/XXXX, I received an alert via email that my Dispute had been Complete. I opened the credit file and the account and inaccurate information is still reporting with a comment stating that the information listed meets requirements of the fair credit reporting act ( Which Is False ). Ive Also Sent Disputes Regarding a Capital One Account That Was Opened In XX/XX/XXXX, I Received Letters From Capital One Providing No Evidence Supporting their Claims Reported on my Credit Report In response to my request for information and dispute for deletion sent XX/XX/XXXX. Upon My Own Investigation, I've Viewed All XXXX of My credit reports and have found that the information across all XXXX of my credit reports is Inaccurate. Due to XXXXXXXX XXXX  Continued Negligence, I DEMAND that All Inaccurate information of any type is updated and or REMOVED from my credit report based on the information ive provided IMMEDIATELY. Failing to do so will result in my measures to take the Appropriate Legal Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: DISCOVER BANK
State: CA

Complaint narrative:
Unauthorized inquiry made on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unauthorized inquiry made on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is another case, a follow up for case : XXXX. 

Comenity Capital Bank responded with : " Your account was previously enrolled in automatic payments with XXXX, via the Customer Portal ( CP ) on XXXX, XXXX, 2022. The payments were initially set up for a fixed payment amount of {$150.00}, later that same day the amount was updated via the CP for the minimum payment due. ' I never updated that amount later to minimum payment, why would I even do this??? There is also no confirmation anywhere that I changed it to minimum payment after I initially set it to {$150.00} ( there was an email confirmation when I set it to {$150.00} ). This company changed it behind my back or their system somehow failed, but I never changed it back by myself, I never even got a confirmation that it was changed to minimum payment- I would at least see that it has changed and would change it back to {$150.00} or at least reach out to DELL. This bank is lying, so they can collect interest, which I do not owe them. This is unfair and disgusting and it seems like you do not even read their responses or you are ok with fraudulent banks. 

I am attaching a screenshot of the email I received when I changed the payment to {$150.00}. There is no such email with another later change to minimum as this bank claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
Someone Stole my wallet several years ago and all my information was in there.I gotten so many credit fraud, applying for loans, sss attempts, online shopping attempts, basically Identity theft. 
Up until now Im getting lots of phone calls that I owe them such and such. Debt collection letters and sometimes phone threats that from unknown callers. Its very frustrating and depressing at the same time I have 3 kids to raise and feed them and Im just a regular citizen of this country whom lives on a paycheck to paycheck kinda life style on top of that I have mortgage and car payments, phone bills, electric, water, sewage and garbage fees. Gas for off to work and then some. Life isnt going get easy here Washington state because there will always be challenging test to live on and I doing the best I can to survive for us to survive with all the hardship that the world can throw at us. With all due respect I wish to dispute this collections off my back so we can focus and concentrate towards living.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank is holding funds on a BUSINESS check for 7 business days, 12 calendar days. Per their website, some funds should become available immediately ( none are ) and the hold should be no longer than 5 business days. 

We called the account holds department and because the issuing bank does not verify funds over the phone, nothing can be done. 

Electronically, this should clear their system in 1-2 days. Why the exceptionally long hold time? 

I regularly made large deposits ( as a sole proprietor ) and recently these excessive holds have felt unfair and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I previously distributed a fraudulent account on my personal consumer report SANTANDER who had failed to remove this account that is involved in identity theft. I notified them of this and sent a copy of my FTC REPORT which has been ignored and has affected my credit in a negative way. Please remove this account immediately! This information is also being reported to third party bureaus and is being used to verify fraudulent information as a result of this information being shared without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: FL

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

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 2024-01-06 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: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to XXXX XXXX XXXX ( XXXX ) it states this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to XXXX XXXX XXXX it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me XXXX who else they are doing this too. 
Can you fix

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 2024-01-06 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: U.S. BANCORP
State: CA

Complaint narrative:
Unauthorized inquiry made on XX/XX/2023.

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 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Per the FCRA XXXX federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per USC 15 6802.

This car was charged off, so the company is fraudulently reporting inaccurate information and selling my information. 
Thanks, 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 2024-01-06 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: IL

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 confidently under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last four of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXX XXXX XXXX last four of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX  XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.

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