vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. 
I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. 
I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. 
I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. 
She returned and stated she could not cash and deposit the check because my last name was different that my account name. 
I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! 
I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve.

Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable..

I became frustrated and ask that she just return my check.

I phoned PNC to make a complaint and was told I should receive a call within 24 hours.

I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Bridgecrest Acceptance Corporation
State: FL

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

123

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I was sold a car without a gas gauge and I was not able to get it registered due to criminal tampering with vin number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I received a call from a person no name or company was introduced! From XXXX a me asked me to verify my SSN/ info I refused! Said he calling from CONTRACT CALLERS I see they have a diff number when I said Im not familiar with his co he hung up as I searched there number is XXXX he said he had all my info here and he cant release my info without me verifying its me! 


I also got 2 text today from ppl I dont know this is a new number I have and I get all type of calls and text to say the least I place a block on text. 
Some jobs dont seem right either just want to gather your info~ like this one XXXX XXXXXXXX XXXX XXXXXXXX XXXX Less than 10 minutes left! Your one-way interview for XXXX XXXX is coming up at Monday, XX/XX/XXXX XXXX EDT! Click the link below to get started, or join from your computer using the link in your email. 
XXXX XXXX XXXX  If you can't attend, please reschedule or cancel with the link : XXXX  : XXXX And XXXX which I finally spoke to mgt but no job offer/ the recruiter was weird we spoke about trips etc then she called me back to say apply for another XXXX said she sent my info out but I heard nothing back I was fed Govt worker

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a card in early XXXX, the card was loaded with {$250.00} ... when I went to load the card I got an " oops '' message ... stating to contact the company... I contacted them and they refused to activate my card because I didn't have id.it is now XX/XX/XXXX the card was processed on the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
15 usc 1681 section 602 states i have the rights to privacy 15 usc section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  said I owe them {$520.00} i disputed this problem about a year ago and I won, then the company sends it to collection again the same thing hows it possible for me to have won my case have my credit restored then all the sudden they send it to collections again then I dispute it again and nothing happens i dont owe this money I won the first time why am I dealing with this again

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I paid the requested amount stated on the payment app. However, their app must have had a glitch, and calculated the due payment {$40.00} short. When I received the alert I made a phone call to have them correct the issue. They stated that it was {$40.00} short, I would ruin my credit for {$40.00} and I paid the amount immediately and demanded the late payment be removed my credit report. After several letters and phone calls, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.

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 2023-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a copy of my drivers license and bill with my dispute letters. They were received on XX/XX/2022 at both Equifax and XXXX. No action was taken. I am sending a copy of the dispute letters and the USPS tracking confirmations, that the letters was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-16 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:
My attached XXXX and Trans Union credit reports, both dated XX/XX/2023, for XXXX XXXX  XXXX, clearly and unambiguously show obvious materially prohibited differences and discrepancies such that at least one of the reports with XXXX XXXX  XXXX account data has inaccurate data, as both reports can not be both accurate. Investigate and permanently correct the inaccurate data or preferably permanently delete my XXXX XXXX XXXX  from every CRA.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: TN

Complaint narrative:
It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report. 
Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
when i first saw this collection on all 3 of my reports for jefferson capital systems ( XXXX XXXX ) XXXX for amount of XXXX dollars- i sent out a debt validation letter to jefferson capital systems in XXXX XXXX never got a response back from them, i disputed this multiple times to all 3 credit bureaus and it came back verifed how can that be when they wouldnt validate this debt. still to this day i have not heard back from jefferson capital for validation. THEY NEED TO DELETE THIS COLLECTION from all 3 my credit report IMMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: MI

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

15 U. S. C. 1681 section 602 A. States I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its 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 2023-03-16 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: VA

Complaint narrative:
I mailed a letter to Experian on XX/XX/2023 and they sent me a letter back on XX/XX/2023 claiming the letter I sent them was not from me and that they would not be complying to my request to remove unauthorized inquires.

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 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

123

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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