vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I never activated the account, I never used the account. I am not interested in the account. Thus, the account should be closed and reported to all major credit reporting repositories as " account closed by consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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. 
1. XXXX XXXX XXXX XXXX remove late payments 2. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late 3. XXXX  XXXX XXXX XXXX Remove account 4. XXXX XXXX XXXX XXXX remove the account 5. XXXX XXXX Remove account, not in collections 6. XXXX XXXX XXXX Remove account should not be on the report 7. XXXX XXXX XXXX remove from mortgage report and all credit reports 8. EQUIFAX FRAUDIQ IDENTITY SCAN ALERT removes any remarks 9. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 10. Remove all names that are not XXXX XXXX XXXX 11. Remove my social security from all reports 12. Remove all inquiries from my credit report I did not approve 13. Remove all SERIOUS DELINQUENCY or late payments from all accounts that apply 14. Remove XXXX XXXX XXXX 15. Remove XXXX XXXX 16. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 17. Remove XXXX XXXX XXXX XXXX 18. Remove all closed accounts from all reports 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

15 U.S.C. 1681a ) ( d ) ( 2 ) Consumer Report- Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Despite the Law, XXXX continues to report " Transactions '' and " late payments '' on XXXX XXXX XXXX to the 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 non-monetary relief
Consumer complaint received 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/XXXX my capital one card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account May only stay on record 7years from original date of delinquency XXXX continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after XXXX couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that capital one delete this account from my XXXX bureau since the original delinquencies exceed 7 year period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account/s below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
This debt with Consumer Portfolio Services was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated XXXX XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called Equifax 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from XXXX and I cannnot pull it from Equifax annual credit report. Equifax swears its fixed but it hasn't been. This goes against my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my CBR after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not. 

I need help resolving this so I can get my fico score back up. 

Company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not.

I need help resolving this so I can get my fico score back up. 

Company XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not. 

I need help resolving this so I can get my fico score back up. 

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Consolidated Information Services Solutions, LLC
State: AZ

Complaint narrative:
These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX  : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. CIS Credit Solutions : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. Barclays Bank Delware ( Bank ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts 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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Financial Services, Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Medical Financial Services , Inc for committing identity theft. I have never given Medical Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Medical Financial Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Medical Financial Services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Medical Financial Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Medical Financial Services Inc continues its collection efforts, I will file for litigation for actual damages caused and Medical Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
On XX/XX/2022 an inquiry was shown on my credit profile by Experian XXXX XXXX on my Experian Credit Profile. I did not provide permission to anyone to pull my credit profile. This transaction is fraud. I have requested the inquiry to be removed from Experian immediately.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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