vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
It has come to my attention that pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate.

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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 2022-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
Received an email with attached letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that I owe them a debt for {$59000.00}. The Original Creditor was Mercedes-Benz Financial Services USA , who previously charged off the alleged debt and reported it as income. I have no contract with XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX and Mercedes-Benz Financial Services USA , about me is in direct violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dealer was very pushy and refused to let me read the contract on his computer screen. After signing contract with dealer consumer contract was transferred without my knowledge. I found out credit was extended through Ally Financial. I made the first payment online using my debt card before due date. I then submitted a negotiable instrument transferring my interest in note to Ally to apply interest to the principal. Ally received payment instrument and instructions for the trustee and did not comply with the RICO Act, TILA, CFPA, or the UNIFORM COMMERCIAL CODE. Ally did not present the instrument and did.not have a qualified third party dishonor the instrument in writing nor did they allow me an opportunity to Cure the Dishonor Ally placed my account in fraud status and has refused to allow me to make payments as I had made first one. This was not in the original contract and I as Beneficial Owner have not agreed to any such changes. Again a violation of Regulation Z and the RICO Act. I requested a Billing Dispute but have not been offered remedy by Ally.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX Experian XXXX XXXX XXXX To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed this item on XX/XX/2022 but the bureaus did not remove it or prove validation. 

Sec. 602 I have a right to privacy. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

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 2022-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc.

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In XXXX of XXXX I applied for a secured credit card with Discover Card Services. I paid a {$200.00}. deposit fee as stated to be part of the terms in the secured card to establish credit. They opened the account and immediately closed it. When my cards arrived my account had already been shut down with no reason given. They then held my deposit for 2 months before I received it back.They did the exact same thing to my wife and as I did some further research they have done this to numerous people seeking to improve their credit. This action taken by Discover is dishonest and negatively impacted our credit score as we were seeking to improve it, not destroy it. I have asked them to remove the account off my report as they actually never opened my account or did I ever have functioning cards with a open account at any time. We were never asked to Identify our selves at any time. This action taken by them destroyed my employment opportunity and caused my interest rate to go up with several companies I do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: WI

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  opened XX/XX/2022 in the amount of {$330.00}, 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 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 inaccuracy.

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 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
A man messaged me on XXXX trying to send me {$2000.00} through cashapp and the link he sent me requires a {$70.00} payment in order to accept the transaction which is not a cashapp authorized payment. It would just be me sending {$70.00} and never receiving the {$2000.00}. Ultimately resulting in a loss for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX Trans Union To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 XXXXXXXX U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 XXXXXXXX Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - [ ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
My bank paid off the card and I called to close the account and asked would they take off the late fee they said they would and I closed the account. I got a text message saying my payment was due so I called them. They said I owed {$16.00} dollars they said the charge came in after the bank paid them off. I told them I would call back the next week to pay them. When I called the representative a man said that the account was closed and he would take care of this. The next week I get a text saying my payment was late. I called again and was told I owed {$12.00}. I told the representative that I had been told I owed {$16.00} and it would be taken care of because the account was already close. He said ok, the next week I get text messages that Im late I call again Im told this time I owed {$72.00}. I told her if they record the calls like they say then they will hear what the previous representatives told me. She was rude and said the late fee was not taken off and I owed them the money I was not getting anywhere so I told them I was going to report them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I set up an autopay arrangement on Ally 's website but not one payment was drafted and after 4 months I checked and the account had been charged off. I called to ask what happened and why has no payment been drafted and I was told that my account is charged off and there is nothing I can do to get it back. This is WRONG and I want my account reinstated so that I can finish paying my car off.

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 2022-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I spoke with a debt collector on XX/XX/14. She was verbally abusive, after the company refused debt validation from previous mailed letter requested. The debt collector refused to provide any information other than demanding me to pay the debt without any proper validation and used threatening language during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.

Company response to consumer: Closed with explanation