vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX Called ON XXXX  at XXXX XXXX. 

I did not pick up the phone, my Employee did as i was at work and busy, the representative asked " Can i speak with XXXX XXXX '' my Employee said " This is Him '' and BAM without verifying ANY personal information the RMP rep started rattling off debts owed, to who and how much ( XXXX of them ) to a THIRD PARTY. After this when confronted With " You just XXXX  up you verified no information and just violated the FDCPA " the RMP Employee proceeded to say " I Don't have to i just have to ask for the named person '' This phone call was recorded and is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I attended XXXX XXXX during XXXX. I received a Pell grant and student loans to pay for my tuition, books, fees, etc. My last completed semester was fall of XXXX. I enrolled in the winter XXXX semester approximately XX/XX/XXXX. The courses began XX/XX/XXXX. I became XXXX with XXXX  symptoms at that time and was not well enough to start the course. I dropped the classes on XX/XX/XXXX the day classes started to avoid any impending charges to occur. The school has a policy to drop within a specific period without penalty or having a W for withdrawal on your transcript. I dropped the classes in the allotted time frame. Several weeks went by and there was a hold on my account stating I owed the school {$1000.00} for dropping the courses and a book fee. The Federal Pell grant paid for my courses which is free and does not have to be paid back. However, the school states I owe them because they paid my refund that was left over from my Pell grant. I am trying to receive my transcript and the school refuses to issue me a Official transcript with the seal on it until I pay them the money they say I owe them. I talked to Federal student aid and they say I do not have an overpayment listed in their database and as per the federal student aid agency I do not owe anything. I also was told by the federal student aid agency that a law was passed in XX/XX/XXXX that it is illegal for colleges to hold transcripts because of student loan. I did not have a personal loan with the school I had a grant. Since then the school has written the debt off and now it is with a collection agency. The collection is Merchants & Medical Collections XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I was told that I do not have a debt with the collection agency. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I did not agree for the creditor to sell the debt the claim I owe to a third party. I was informed the collection company does not have a right to collect nor did I give verbal consent. I need my Official transcript with the seal to transfer to a university.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 # 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 2023-04-27 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: GA

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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 non-monetary relief
Consumer complaint received 2023-04-27 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: GA

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 2023-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Direct Cash LLC
State: MO

Complaint narrative:
Hello, I have a loan with Direct Cash, LLC. I began working with a settlement company in XXXX and I revoked ach authorization. I called them and they asked for it in an email in written form. I provided them an email stating this on XX/XX/XXXX. However, I just saw that my account was charged on XX/XX/XXXX and XXXX despite revoking their authorization to charge my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act XXXX  XXXX  are violating my rights # XXXX for XXXX XXXX XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Everi Payments Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I visited XXXX XXXX XXXX in XXXX, OK  Address XXXX XXXX XXXX XXXX, Ok XXXX I used the Everi ATM machine I entered my debit card and requested a balance inquiry. However, the machine error out and prompted me with a message that says, " unable to complete transaction '' We can not process your request at this time. The machine charged me {$1100.00}. XXXX says this was to purchase a gaming ticket, yet I was doing a balance inquiry. When they looked back it said note presented not collectable. I filed a claim to the XXXX, but they told me not to worry that Everi will credit my money back. I waited a week a nothing happened, waited a couple more weeks nothing happened. So, I called my bank and file a claim on XX/XX/XXXX  my bank did not credit my account. So now I need you help since your machine stole my money and the casino crew is clueless. Kindly contact me and provide a solution. Everi does not have an easy number for any consumers to contact them. I have tried calling the XXXX number and keep getting told my case will be escalated and nothing happens. This is money I actually need, and I know for certain nothing was dispensed. Even XXXX confirmed to me that they don't see a gaming ticket was presented. That I need to contact Everi so that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, Id like to first state how PayPals customer service is the worse of the worst Ive ever experienced. To say the least is quite an understatement. The agents are rude and dismissive with no integrity whatsoever. This issue is in reference to ( ID - XXXX ). On XX/XX/XXXX  I received a message from XXXX XXXX stating why there was a permanent limitation placed on my account. Which states there was a high level of risk associated with my account, specifically, a history of sending and receiving payments from another PayPal account in my name. Yes, that is correct. When did it become an issue to send money to myself in which I have been doing so for a little over 5 years now ( DUE TO MY CONVENIENCE WITH NO ISSUES UNTIL NOW ). Both accounts under XXXX and XXXX belong to me. One is used to send money and the other to make purchases. Upon the temporary limitation being placed on my account, I was asked to provide certain documents and an explanation on specific transactions and the reason given was very much clear. XXXX XXXX also states that PayPal reviewed my Account and determined they were unable to mitigate the risk associated with my Account and determined the explanation was not sufficient for my payment activity. I was personally sending money to myself. How else am I supposed to explain that and why is that an issue almost 6 years of doing so??? Seems like PayPal needed an excuse to permanent limit my account after they put a temporary limitation on it, also, after the confirmation of my identity. If me sending money to myself is the reason why my accounts has been suspended than that should have been stated in the very first few messages Ive received. Yet, instead Ive received different reasons concerning why my accounts has been permanent limited. To sum it upPayPal was not 100 % clear nor was there clear communication on their end of comprehension referring to the suspensions of my accounts. On both accounts Ive done absolutely nothing wrong that contributes to PayPals policy. I am very well aware of my rights and this is against the law. I have contacted my attorney, he also stated that there was absolutely nothing in the user agreement that qualifies for the limitation being put on both of my accounts. Ive already taking this matter to the small claims court, as I feel this issue has become inconvenient for me and has gone way further than needed. I would like both of my accounts reinstated. If my issue is not resolved I will be force to take this situation to the federal courthouse. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC
State: AZ

Complaint narrative:
I have made a previous complaint under XXXX to XXXX XXXX XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to JTM Capital Management LLC and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXXXXXX XXXX XXXXXXXX and this was paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
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 14 usc 1681. 

XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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 non-monetary relief
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX  XXXX XXXX : {$2000.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00}

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