vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I requested by certified mail for the highest available standard to date of debt validation to be proformed on this account. Also the original contract with my signature : All invoices : charge slips : payments : or promise note to prove my indebtedness : And the furnitures contact information and findings of his reinvestigation. The law clearly states that any information that can not be validated or it's found to be incomplete, Inaccurate or incorrect must be DELEATED NOT UPDATED. XXXX has already removed this account from my credit report!!! I demand Transunion and XXXX follow suit!!! I have been impacted negatively by this Improper debt reporting and have been disputing this over nine months. I will not wait another 60 days for the company to respond. This damage is irreversible!!!! By law, they have thirty days from receipt of my certified letter dated XXXX. I demand that immediate deletion of 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has reduced my credit XXXX score of XXXX to XXXX for having my XXXX loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.

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 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX added a trade line with Jefferson Capital System. The collection company failed to send notification of the debt and notice of right to dispute. According to the FDCPA collection agencies have to send a validation notice It must be sent within XXXX days of the first contact. 

The debt validation letter includes : The amount owed. 

The name of the creditor seeking payment. 

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. 

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. 

A statement that if you request information about the original creditor within 30 days, the collector must provide it. 

None of this was sent, which is a vilation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing today because I found some new inaccurate information on my credit. From my understanding, you have 5-30 days to investigate and correct the inaccurate information you are reporting. Time is of the essence here because i am trying to get health insurance and my credit score is so low because of your false reporting. I am a consumer and you have to investigate this matter because of me notifying you with this letter. This is my 4th attempt to get this stuff fixed! Remove inaccurate info or I will be forced to seek further legal action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX XXXX, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583.

AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX XXXX in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.

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 2024-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
My payment was refused by MBFS in XX/XX/XXXX although I only have been late once and have used this payment method since the start of my contract in XXXX ( years ). It took them a month to call me back on why. Finally, months later I got an answer. They also lied and said my XXXX relief payments would not be used from the contract allotment and they were forcing me to not have options in pushing payments off causing me to lose what was granted to me contractually. My contract was violated and I have detailed accounts including recordings of conversations and information provided from the start of the loan. I've been lied to and finally, due to the contract dispute they picked up my vehicle last night after me indicated Ill make the payments but I want my answers to my questions- I have more questions as to why I was lied to ( picked up same day ). I was also sold a used car as new from the beginning forcing me to overpay and I have never been able to use the warranty I purchased. Many violations here from the start and I have recordings and emails etc... This was a coordinated effect and I want accountability. They also reported my payments incorrectly to the credit bureaus - indicating I was late when I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of the Equifax data breach. Attached to this complaint is the supporting documents of my claim that will be apart of this ongoing litigation.

I decided to investigate and thoroughly review the report about this old information and found multiple discrepancies and errors after they made opposite claims. This is frustrating and impedes the process to financially prosper. Following accounts must be removed from my credit report as I also do not have any signed contracts associated with these accounts that are 7 years old and was falsely exposed under this data breach. 

I am requesting a removal of this accounts on my report due to the data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 and other adverse items 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. Attached copies of credit report information associated with the following accounts validates my findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a large purchase with a promotional 0 % interest using a Synchrony Bank credit card. I set up automatic payments to pay the minimum required balance each month and all payments have been made on time. There is no mention that paying that amount will not cover the required balance at the end of the promotional period, nor is there a way to pay all interest saving payments automatically. Furthermore, the bank failed to disclose when that promotional balance will expire and despite claiming to have sent email statements the information contained in emails was purposely minimal and excluded promotional period expiration date or interest charged. On their website details of promotional period expiration dates are also hidden on purpose, even though they have placeholders for where the information would go. No additional communication was received related to the promotional balance expiring. There is no way to see what communication you are receiving from the bank on their online platform. All I can see is that I'm enrolled in electronic statements. So the bank is preventing users from seeing the information regarding the expiration of promotional balances and trapping them into failing to make the final payment on the promotional balance and therefore forcing them to incur deferred interest. The promotional period has expired 2 days ago for me and I only found out because I noticed a huge increase in my outstanding balance this month.

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 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i recently reviewed a copy of my credit report, and noticed fradulant accounts on my report. Please remove these accounts they are not mine, and hurting my ability to obtain credit.

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 2024-02-13 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: CA

Complaint narrative:
On XX/XX/year> I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that XXXX, TransUnion and XXXX, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXXXXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services

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 2024-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that XXXX, XXXX and Experian, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXXXXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services

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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Winn Brown Law Firm, LLC
State: MS

Complaint narrative:
I received a letter stating my wages were about to get garnished. I am unaware of the alleged debt. I never received an initial communication letter or a right to dispute. I called to the courthouse and i was not able to get information on whether i have a judgment against me. I also did not receive anything via certified 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 2024-02-13 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: Experian Information Solutions 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 confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX, XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 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. PLEASE REMOVE FROM MY ACCT

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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I received a letter stating my wages were about to get garnished. I am unaware of the alleged debt. I never received an initial communication letter or a right to dispute. I called to the courthouse and i was not able to get information on whether i have a judgment against me. I also did not receive anything via certified 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
My ex opened an account using my name, address, and social security number. Apparently, Kikoff doesn't really have a verification process. Put in a valid social security number that matches the name on the application and your good to go. Anyone could take your info & open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion and XXXX have 2 addresses reporting on my credit report that do not belong to me : 1. XXXX XXXX XXXX, XXXX GA XXXX ; and 2. XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX have 2 addresses reporting on my credit report that do not belong to me : 1. XXXX XXXX XXXX, XXXX GA XXXX ; and 2. XXXX XXXX XXXX, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows erroneous and unverified item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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