vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN 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 ANY PURPOSE.

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 2023-03-13 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN 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 ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Merchants Adjustment Service, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act the companies have 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Kikoff Inc.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act the companies have 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
I am writing to request reimbursement for a rental car. My car had a manufacturer 's issue and was in the shop for two weeks. I reached out to Mercedes-Benz USA and was approved for a rental since the dealership had no loaners available. In these situations, Mercedes ' policy stipulates covering a rental car while the car is being repaired. I have talked to multiple agents who indicated that the responsibility for reimbursement falls on the dealership. I am seeking full reimbursement for this issue that occurred in XX/XX/2022. Detailed below are the actions taken to recover the rental costs ( {$970.00} ). Detailed phone records show when I reached out and the response given by each agent. 

XX/XX/2022 : Approval from Mercedes-Benz USA and given case number regarding renting a vehicle while vehicle in XXXX XX/XX/2022 : Car Rented from XXXX XX/XX/2022 : Sent approval from Mercedes to Service Manager handling this case at XXXX XXXX : XXXX XXXX ( XXXX XXXX The rental was returned on XX/XX/2022 and the final invoice was sent to XXXX. 

XX/XX/2022 : Message sent via text to XXXX requesting an update on reimbursement XX/XX/2022 : XXXX indicated to Mercedes that he never received a C1A to submit rental reimbursement From XXXX customer service - Email sent to the dealership on XX/XX/XXXX -- reimbursements go through dealership No updates since XXXX - agent advised that reimbursementgoes the dealership -- advised to submit a rental receipt, which was provided on XX/XX/2022 by email Called on XX/XX/XXXX -- told that reimbursements are handled by the dealership. Mercedes agent ( following my call in XXXX ) Documents were requested from the dealership in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My complaint is with a financial institution and a credit card bureau. 

I am a customer of XXXX XXXX  ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to XXXX XXXX for a credit line extension on XX/XX/2023. I was told by phone that my TransUnion credit bureau report has a fraud alert. I was told to call TransUnion and have it removed. I stated to XXXX XXXX  I did not place a fraud alert on my credit report. I called TransUnion credit bureau ( phone ) XXXX. TransUnion stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to XXXX XXXX and 2 phone calls to TransUnion. 
This incorrect mistake can be solved with communication between the two companies. 
XXXX XXXX said they won't call or contact TransUnion.to solve mistake. 
TransUnion stated they will not call or contact XXXX XXXX to solve mistake. 

I would like this mistake resolved and fraud alert removed from my XXXX XXXX credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently submitted disputes but never heard back or saw any changes to my credit report. I didn't receive any response letters in the mail

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/22 called all three reporting agencies and they refused to remove

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 2023-03-13 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: FL

Complaint narrative:
XX/XX/22 called all three reporting agencies and they refused to remove

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 2023-03-13 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 write to XXXX, XXXX and Trans Union as my credit reports wrongfully continue to be reported as OPEN for my XXXX XXXX account although I voluntarily CLOSED my account long ago and I have diligently sought to have my account marked CLOSED which required immediate mid cycle reporting to every CRA of my closed status. In fact, I have attached a XX/XX/XXXX listing of 2 entries on my credit report documenting that my account was CLOSED. One entry states XXXX XXXX account was closed On XX/XX/XXXX, your XXXX XXXX credit card was closed. A second entry similarly states : Account Information Changed. Remark code added to XXXX XXXX account. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to thus account : Account closed by consumer. Since it is admitted that my account was closed and in fact reported as Closed, the failure to block changes from Closed to Open, constitutes an obvious Facially False Data deficiency which is prohibited as warned recently by CFOB Director Rohit Chopra. Kindly permanently delete my account and send me additional statutory damages of {$1000.00} for repeated uncurled willful violations of the FCRA and Metro 2.

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 2023-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Speedy Cash Payday Loan : XXXX Under 15 USC 1692a ( 5 ) ( 6 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

This is to validate that Speedy Cash is acting as a debt collector attempting to collect a debt.

Violation of 15 USC 1692e ( 2 ) ( a ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Speedy Cash in direct violation of this law by stating I owe a late payment total of {$310.00} when the principal amount loaned was {$250.00}. Please see attachment for proof of evidence.

Violation 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

After the initial attempt to withdraw from my bank account the amount of {$300.00}, Speedy Cash has emailed me and called me with a payment due date and a payment of {$310.00} that is due on that due date. These are false and misleading practices that are in direct violation of the laws listed in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Credit Acceptance Corporation. Mailed my title with lien letter as well as my payments I made to them to XXXX XXXX XXXX. They closed out the account because they never received title from XXXX XXXX. After filing a police report and civil suit the title was sent to Credit Acceptance with my name on it. They mailed it to the dealership instead of me. Now they are refusing to send proof that they mailed it to XXXXXXXX XXXX instead of me. They also mailed a check for XXXX made out to me to the dealership. They closed out my account because they did not receive title after 9 months of being paid by me. They tried to state they reassigned the contract however the contract was null and voided once the title was not received and they closed it.

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 2023-03-13 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: LA

Complaint narrative:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors 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 lender must file a 1099-c and you a copy of the debt if more than XXXX XXXX and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.

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 2023-03-13 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Capital One 360 Saving account since 2008. Today I noticed the interest rate is low to 0.3 % instead of normal APY on the market. So, I contacted with Capital One about this issue and was told that 360 Saving account is discontinued and I needed to open a new 360 Performance Saving to get an higher interest rate. 

The problem is Capital One has never ever contacted with me about this 360 saving account would be discontinous and the interest rate would be getting down in written notice until I, myself, found this issue. Now they treat my normal adult saving account as kids saving account by offering APY 0.3 %, which is 11 times lower than their new 360 Performance Saving account 3.4 %. 

I don't understand why Capital One won't send a letter to their customs about this product will be closed. It is a very easy and friendly way to keep our customers ' attention. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ).

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it may take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: NC

Complaint narrative:
I paid this account on XX/XX/2022. ( email attached ). I asked the customer to UPDATE the credit report and they have NOT done so. I have also repeatedly requested for them to update. As of today. This account is still reporting Charged off XXXX in the amount of {$3600.00} and XXXX and XXXX status are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
At the start of XX/XX/2022, myself and my fiance disputed the illegal attempt at collecting a debt not valid under Nebraska Law by XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX is the proper name of our former residence, not XXXX XXXX. ) I disputed the results with both XXXX and Transunion, as it had not yet reported to my XXXX credit report. After initiating these disputes, XXXX XXXX XXXX XXXX retaliated by submitting the collection account for the illegal debt not valid under Nebraska law with XXXX. 

At this point, it has been removed by XXXX but not Transunion, as, according to Transunion, the debt is valid, yet several pieces of information on the account are incorrect. Firstly, the responsibility for this account is not an individual account, it is a joint account under both my name and my fianc 's, and the original creditor for this illegal debt was XXXX XXXX, not XXXX XXXX, and this debt doesn't have legal basis in the State in which it was claimed, so how could any of the collection have merit? Transunion failed to look at the provided documentation and did not remove this mark from our credit reports, despite XXXX doing so when presented with the same evidence.

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