vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 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: VA

Complaint narrative:
According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
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 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 XXXX XXXX XXXX XXXX XXXX I am requesting these accounts be deleted from my reports.

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 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I have been on payment plans for years and realized their amount did not match my amount. So I contacted the agency XX/XX/24 and was told they could not provide me any court documents or any paperwork with my debit and what was originally owed. But they said the court tacked on XXXX  % percent interest. So I stopped payments and then was told they could only give me a paper showing me how much I paid into it. I tried disputing when I was originally contacted and given the response i owed, but I had to hurry and move and buy a house so I paid. I was never once provided paperwork or court paperwork. I believe my rights where violated and didn't think I had any choice but to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are 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 2024-04-21 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are 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 explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The car company I have is credit acceptance I told them that I could make the payment the payment were too high I told them several times to come get the car the police repossessed the car because of the tolls I told them that the price they set was too high the car place that did the care loan was XXXX XXXX she scammed me out of XXXX for down payment and credit acceptance knew I couldnt pay it was too much .also since I had the car it had many problems and I keep taking my car back and court and telling the bank they did nothing

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 2024-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: CA

Complaint narrative:
I am submitting a complaint against Netspend after reaching out to the IRS and conducting a refund trace, which revealed that my refund was not offset. The IRS investigation confirmed that my refunds had been sent to Netspend. I had XXXX accounts with Netspend- I was unable to access the first account due to forgetting my login information, so I created a second account. Due to my relocation, I did not receive cards for either Netspend account. Both accounts had direct deposits, but I have not received any funds from the first account after disputing both accounts for fraud. Netspend intentionally misclassified the dispute for the first account as an error for XXXX direct deposits totaling a lil over {$3000.00} each. The dispute for the other Netspend account was correctly labeled as fraud, and I have received some of the funds from that claim via a check.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently discovered multiple hard and soft inquiries on my credit report that I did not initiate, authorize or recognize. Specifically, there are two hard inquiries from different banks in cities where I have never resided or conducted any financial transactions. 

XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX Background Information : I have never applied for a credit card or loan of any kind, and therefore, these inquiries are entirely unexpected and concerning to me. As I am actively trying to build my credit score, these unauthorized inquiries pose a significant obstacle. 

XXXX of Events : [ XX/XX/XXXX ] : Discovered multiple unauthorized hard and soft inquiries on my credit report. 
[ XX/XX/XXXX ] : Verified with TransUnion that I have never engaged in any financial transactions with the banks associated with the hard inquiries. 
[ XX/XX/XXXX ] : Conducted a thorough review of my financial records to ensure that I did not inadvertently initiate these inquiries. 
Actions Taken : Contacted TransUnion to address the unauthorized inquiries on my credit report. 
Due to the unexpected nature of these inquiries and my lack of involvement in any financial transactions associated with them, TransUnion has requested additional verification of my identity before taking further action.

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 2024-04-21 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: 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. 
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 ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the nations financial system. It emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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 2024-04-21 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: 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 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 ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the nations financial system. It emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to purchase a XXXX XXXX XXXX. Yet the so called XXXX holder is located in XXXX XXXX, Texas name Toyota Motor Credit Corporation. This company was not present at XXXX XXXX where the so called debt was originated. When mortgages or so called debts exchange hands, employees at the second, third company or fourth company must send the customer/investor written consent to put their mortgage or any kind of so called debt on consumer reports ( also known as credit reports ). These so called debt collection companies can not report on any kind debt on consumer reports ( also known as credit reports ) without written consent from someone like myself. If a so called debt was originated off my own equity but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that other company ( XXXX ). If I purchased my debts but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that company. The contract exists with the person that originated the so called debt. So if I go to buy a car, I sign with one company. Before I make my first payment that company then sells the debt to another company. By federal law that second company can not put that so called debt on my credit report without employees sending me a written consent to do so. The fair credit reporting act section 605 ( b ) states that persons need written consent to put a debt or to report to consumer reporting agencies ( known as credit bureaus ) with any outstanding debt if that company is not the original company that originated the debt. 

Also a debt validation notice was sent out on XX/XX/XXXX to this address putting employees on notice at : Toyota Financial Services XXXX XXXX XXXX Mail Drop XXXX XXXX, Texas XXXX XXXX company name where someone reported to the consumer reporting agencies is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Company used a tactic by putting derogatory information on my report without giving me an opportunity to address the debt. The debt is unfamiliar and I have never heard of this company or the company they are collecting for

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
I contacted Kimball Tirey & St John several times by phone last year regarding a default judgment on a civil lawsuit for XXXX XXXX XXXX. They refuse to stop reporting this judgment on my XXXX credit file. 

According to the Consumer Financial Protection Bureau, judgments ( which are a matter of public record ), no longer appear on credit reports as of XXXX. 

As part of a settlement agreement stemming from multiple class-action lawsuits, the three major United States credit bureaus XXXX XXXX XXXX, and XXXX all agreed to stop displaying judgments on their reports. 

XXXX has continuously been reporting this judgment on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been on payment plans for years and realized their amount did not match my amount. So I contacted the agency XX/XX/24 and was told they could not provide me any court documents or any paperwork with my debit and what was originally owed. But they said the court tacked on XXXX  % percent interest. So I stopped payments and then was told they could only give me a paper showing me how much I paid into it. I tried disputing when I was originally contacted and given the response i owed, but I had to hurry and move and buy a house so I paid. I was never once provided paperwork or court paperwork. I believe my rights where violated and didn't think I had any choice but to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: 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 account XXXX account name : XXXX XXXX  XXXX  account number XXXX account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 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 my account without 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, other than records of conviction of crimes which antedates the report by more than 7 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 2024-04-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent the company my i.d and bills and and let me know that non of the information they have is actually me and they still updated this account on my credit report

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 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had opened an account on XX/XX/2023 and the last payment I made to the company was on XX/XX/2023. Due to hardship, I wasn't able to make my payments anymore so the company charged off my account. I started receiving letters and calls to with offers in attempts to settle my debt and close the account. I came to terms with one of the letters and saved up the amount asked for ( {$1900.00} ) and made the payment over the phone to the collector. The collector I spoke to assured me that the account was now closed and that it would take up to 30 days to be removed from my credit report. It has been about two months now and it is still effecting my credit. After speaking to the collector, he assured me that everything will clear up and things will be fine but the account is still listed as opened and that I still owe this company but when I called them they stated that the account was already closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
XXXX claims that I owe money on XXXX loans but is not able to provide me with information as to where they sent this money to, ie account number, financial institution, etc. I am working with my bank to pull statements and EdFinancial can not tell me where or how they disbursed these funds in question

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to resolve fraud with citi, i am an id theft victim. In the last week we discovered the fraud spanned back much further than thought. I was on the phone with citi, we discovered non-matching ending and beginning balances, we discovered at least one false merchant. Then i was hung up on. This displays an unwillingness of citi bank to resolve my identity theft. They are coercing me to either pay the false charges of a felon or lower my score. That is extortion.

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 2024-04-21 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: TN

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to purchase a XXXX XXXX XXXX. Yet the so called XXXX holder is located in XXXX XXXX, Texas name XXXX XXXX XXXX XXXX. This company was not present at XXXX XXXX where the so called debt was originated. When mortgages or so called debts exchange hands, employees at the second, third company or fourth company must send the customer/investor written consent to put their mortgage or any kind of so called debt on consumer reports ( also known as credit reports ). These so called debt collection companies can not report on any kind debt on consumer reports ( also known as credit reports ) without written consent from someone like myself. If a so called debt was originated off my own equity but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that other company ( s ). If I purchased my debts but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that company. The contract exists with the person that originated the so called debt. So if I go to buy a car, I sign with one company. Before I make my first payment that company then sells the debt to another company. By federal law that second company can not put that so called debt on my credit report without employees sending me a written consent to do so. The fair credit reporting act section 605 ( b ) states that persons need written consent to put a debt or to report to consumer reporting agencies ( known as credit bureaus ) with any outstanding debt if that company is not the original company that originated the debt. 

Also a debt validation notice was sent out on XX/XX/XXXX to this address putting employees on notice at : XXXX XXXX XXXX XXXX XXXX XXXX Mail Drop XXXX XXXX, Texas XXXX XXXX company name where someone reported to the consumer reporting agencies is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation