vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and 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 2023-09-10 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: TX

Complaint narrative:
There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.

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 2023-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.

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 2023-09-10 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX has the wrong information. I tried to contact them to receive the right information but I was not provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: AL

Complaint narrative:
In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the banking systeI And item repreat by more then seven years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXXXXXX XXXX XXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: AL

Complaint narrative:
In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the ban
king systeI And item repreat by more then XXXX years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXX XXXX XXXXXXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my 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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting act ( XXXX  XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Capital One XX/XX/2022 XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My car was illegally repossessed. On top of that, the contract I had with Toyota had several violations so I requested to rescind the contract. Multiple times. I have given many notices with no response, and one day they just come and repossess the car.

Toyota can say that I have defaulted on payments, but Toyota is at fault by committing FRAUDULENT MISREPRESENTATION, UNFAIR PRACTICES ACT, TRUTH IN LENDING ACT VIOLATIONS. The contract between me and Toyota was fraud and voided once I discovered the violations, so Toyota had no right to repossess my property.

I can support my claims in court, and I have notarized the affidavits of truth that I have already sent, and I have also notarized the rescission notice. I have also kept all certified mail documents to prepare a legit claim against TOYOTA FINANCIAL. 

In closing, if Toyota Financial Services so chooses to come to an agreement, then it is my wish that the following terms be provisioned so that my equitable interest can be restored. Otherwise, I am fully prepared to file a claim in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, equifax and XXXX to remove synapse info off of my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a yotta account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, XXXX and experiann to remove synapse info off of 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 2023-09-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX 1802 has violated my rights.

15 USC 1681 Section 602 States that I have a 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 2023-09-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States that I have a 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 non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Vanilla Gift Card 16 digit gift card number is scratched out so I could not see the entire number. 

I purchased a Vanilla Gift Card for {$60.00} on XX/XX/2023 at a XXXX XXXX 
When I opened the gift card part of the card number was scratched off. 

I called Vanilla at XXXX. The customer service representative said I would have to provide them with a copy of my driver 's license and also them my birth date before they would log my request into their system. 

I was not comfortable providing them with my personal information and asked if I could just give them a copy of the gift card. They said they could not log my request without me providing them with the requested personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a dispute against XXXX XXXX XXXX on XX/XX/23. Long story short, the bank screwed me around so severely about the dispute that I ended up closing my account. 

Later they realized their mistake and sent me a check for the disputed amount ( {$140.00} ). But for some reason, they reopened my account without my permission to bill me for that amount without telling me why or giving me any reason why that happened. I contacted the bank about it and they told me the hotel is arguing back so they reopened the dispute. They told me what the hotel said, and it is 100 % lies. 

I spent so many hours dealing with this in the first place and chose to close my account. I never asked for my money back but they voluntarily gave it back to me. Now I'm back in this mess and also am finding out that if I don't pay the bank the {$140.00}, and nothing is resolved, it could go into collections and mess up my perfect credit. Additionally, this is not good for my mental health. 

I would have been fine putting this mess behind me, but they paid me back and now I'm back in it. Please help!

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 monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I was sued by Persolve Legal Group on a debt that the statute of limitations has expired. My last payment on this debt according to my credit report from XXXX and XXXX XXXX was on XX/XX/2017. I was not served a summons to appear in court so I was unable to plead my case and let the judge know the the statute of limitations has expired. I did not know anything about being sued until I got the memoranda of costs after judgment. Since I was not there a default judgement was filled against me. Now any and all my accounts and safety deposit boxes connected to my name and SSN are levied and my wages are being garnished. Persolve also over the years sent me fake court documents trying to scare me into thinking I was being sued and/or to talk to them. I noticed that the fake documents did not have the county clerks stamp or an actual date to appear. Using scare tacts to force someone to pay or do anything I know is very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Financial Services Customer Service Department XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Discover Financial Services, I hope this letter finds you well. I am writing to bring to your attention an important matter regarding my Discover account, specifically in reference to the statement dated XXXX. I have highlighted a statement from this billing statement that has led me to believe that I am entitled to a refund of the credit balance on my account. **Statement Attached** The highlighted statement reads as follows : " If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. '' Based on this statement, it is my understanding that I am owed a refund of the credit balance that is currently displayed on the front of my billing statement. I would like to request that this refund for the attached statement be immediately applied to my account. 

Additionally, I wish to discuss a more substantial matter concerning my account. Instead of receiving a physical check through the mail for the refund of the statements, I would like to propose an alternative solution. I kindly request that all of my previous statements be reviewed and the credit balances from those statements be totaled. I would like this total to be applied as an increase to my credit limit on my Discover account. 

To expedite the resolution of this matter, I am requesting that Discover Financial Services contact me within 24 hours of receiving this letter by email, which will be sent via priority mail and will be tracked for your reference. 

I trust that this issue can be resolved promptly and amicably. However, if this matter is not addressed in a timely manner, I will have no choice but to pursue legal action to ensure my rights are upheld. Should we opt for arbitration and I emerge victorious in court, it's worth noting that I could potentially be awarded 1 % of the company 's net worth as compensation. However, I believe it is in everyone 's best interest to resolve this matter amicably and expeditiously, which would entirely eliminate the need for such legal proceedings. I am also willing to sign a nondisclosure agreement to keep this matter from the ears of the public. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and request that you update me on the progress as soon as possible.

Company response to consumer: Closed with explanation